3829 Spring Creek Rd, Dundee, FL 33838 Property Records

Polk County property record for 3829 Spring Creek Rd, Dundee, FL 33838

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,616 sqft · built 2016
Lot Size	0.223 acres (9,701 sqft)
Owner	2 Individual Names on File
Last Sale	$190,000 (Oct 2018)
Tax Bill	$3,820 (2025)
Deeds & Mortgages	May 2023 Mortgage Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`27-28-26-835302-000340`

Property Details

APN / Parcel Number

Primary APN	`27-28-26-835302-000340`
Alternative APNs	`262827835302000340` `62827000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,616 sqft Living Area
Gross Area	2,016 sqft
1st Floor Area	1,616 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	9,701 sqft (0.223 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	400 sqft
Porch	Finished/Open Porch
Porch Area	172 sqft

Location & Zoning

Street Address	3829 SPRING CREEK RD
City	DUNDEE
State	FL
Zip	33838-4436
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MABEL LOOP RIDGE SUBDIVISION PHASE 1 A REPLAT PB 151 PGS 15 THRU 19 LOT 34
Legal Range	27E
Legal Township	28S
Legal Section	26
Legal Subdivision	MABEL LOOP RIDGE SUBDIVISION PHASE 1 A R
Legal Phase	1
Legal Tract	835302
Legal Block	1
Legal Lot Number	34
Jurisdiction	POLK FL
Township / Civil Division	HAINES CITY
Census Block Group	1
Census Block	1054
Census Tract	14121

Owner

3829 Spring Creek Rd is owned and occupied by two individuals who bought it in October 2018.

Source: Polk County records, as of September 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3829 SPRING CREEK RD, DUNDEE, FL 33838-4436
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 10, 2023	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Nov 19, 2021	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Oct 9, 2018	Warranty Deed, Transfer · Conventional Mortgage HOUSING FIN AGCY
Jan 11, 2017	Grant Deed, Subdivision Related Transfer · FHA Mortgage WATERSTONE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 9, 2018 · Amount on File
Deed Sale	Oct 9, 2018 · Amount on File
Prior Sale	Jan 11, 2017 · Amount on File
Deed Document Number	2018212852
Deed Book / Page	10635 / 2249
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3829 SPRING CREEK RD, DUNDEE, FL 33838-4436
Transaction Type	Mortgage
Record Updated	May 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3829 SPRING CREEK RD, DUNDEE, FL 33838-4436

Mortgage

Document Number	0000108810
Date	May 10, 2023
Book Page	12685/861
Instrument	2023108810

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2053

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3829 SPRING CREEK RD, DUNDEE, FL 33838-4436
Transaction Type	Mortgage
Record Updated	Dec 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3829 SPRING CREEK RD, DUNDEE, FL 33838-4436

Mortgage

Document Number	0000304713
Date	Nov 19, 2021
Book Page	11993/1179
Instrument	2021304713

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 9, 2018
Property Address	3829 SPRING CREEK RD, DUNDEE, FL 33838-4436
Document Number	0106352249
Book / Page	010635 / 002249
Instrument Date	Oct 5, 2018
Instrument	212852
Transaction Type	Transfer
Record Updated	Oct 25, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,330.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3829 SPRING CREEK RD DUNDEE FL 338384436, DUNDEE, FL 33838-4436

Mortgage

Document Number	106352272
Date	Oct 9, 2018
Book Page	010635/002272
Instrument	212854

Lender

Name	HOUSING FIN AGCY
Address	TALLAHASSEE, FL 32301-1329

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 8, 2048

Mortgage

Document Number	106352252,
Date	Oct 9, 2018
Book Page	010635/002252
Instrument	212853

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLTON, TX 75007

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 8, 2048

January 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Jan 11, 2017
Property Address	3829 SPRING CREEK RD, DUNDEE, FL 33838-4436
Document Number	0100351045
Book / Page	010035 / 001045
Instrument Date	Dec 28, 2016
Instrument	5679
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 25, 2017
Title Company	STEEL CITY TITLE INC, STEEL CTY TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,085.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3829 SPRING CREEK RD DUNDEE FL 338384436, DUNDEE, FL 33838-4436

Mortgage

Document Number	100351048,
Date	Jan 11, 2017
Book Page	010035/001048
Instrument	5681

Lender

Name	WATERSTONE MTG
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 10, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3829 Spring Creek Rd was $3,820 with a homeowner's exemption.

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Dundee Town
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$217,341 (-7.47%) Land $35,000 Building $182,341	$217,341 (-7.47%) Land $35,000 Building $182,341
2025	$3,820.00 Homeowner's exemption	$234,883 Land $35,000 Building $199,883	$234,883 Land $35,000 Building $199,883
2023	$4,499.00 (+9.46%)	$239,321 (+11.97%) Land $34,000 Building $205,321	$239,321 (+11.97%) Land $34,000 Building $205,321
2022	$4,110.00	$213,740 Land $28,000 Building $185,740	$213,740 Land $28,000 Building $185,740

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3829 Spring Creek Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2002.

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	4 (2002–2004)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Sep 2004 · Hurricane Frances
Claims by Event	Hurricane Frances, Sep 2004 · 3 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 3829 Spring Creek Rd is moderate, ranking above 61% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 61% of the US · lower than 63% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF DUNDEE serves 3,824 people · EPA ID FL6530485
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Total trihalomethanes not recorded as resolved · Jan 2026 Ethylene dibromide resolved · Jan 2024
Treatment and Procedure	None last 10 years
Monitoring and Reporting	14 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 129 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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