405 Ridges Dr, Dundee, FL 33838 Property Records

Polk County property record for 405 Ridges Dr, Dundee, FL 33838

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,861 sqft · built 2017
Lot Size	0.145 acres (6,325 sqft)
Owner	Individual Name on Record
Last Sale	$196,300 (Jul 2019)
Tax Bill	$3,190 (2025)
Deeds & Mortgages	Jul 2019 Sale & Mortgage May 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`27-28-27-835824-000790`

Property Details

APN / Parcel Number

Primary APN	`27-28-27-835824-000790`
Alternative APN	`72827000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,861 sqft Living Area
Gross Area	2,303 sqft
1st Floor Area	1,861 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	6,325 sqft (0.145 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	442 sqft
Porch	Finished/Open Porch
Porch Area	176 sqft

Location & Zoning

Street Address	405 RIDGES DR
City	DUNDEE
State	FL
Zip	33838-4627
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIDGE OF DUNDEE PB 137 PG 8 LOT 79
Legal Range	27E
Legal Township	28S
Legal Section	27
Legal Subdivision	RIDGE OF DUNDEE
Legal Tract	835824
Legal Block	1
Legal Lot Number	79
Jurisdiction	POLK FL
Township / Civil Division	HAINES CITY
Census Block Group	1
Census Block	1062
Census Tract	14121

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	405 RIDGES DR, DUNDEE, FL 33838-4627
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Jul 3, 2019	Grant Deed, Subdivision Related Transfer · FHA Mortgage ONETRUST HM LOANS
May 23, 2017	Grant Deed, Transfer SUNBELT TITLE (AGENCY)

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 3, 2019 · Amount on Record
Deed Sale	Jul 3, 2019 · Amount on Record
Prior Sale	May 1, 2017 · Amount on Record
Deed Document Number	2019139092
Deed Book / Page	10896 / 1585
Last Transfer Date	Jul 9, 2025
Transfer Doc	0000166027
Record Updated	Oct 29, 2026

July 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Jul 3, 2019
Property Address	405 RIDGES DR, DUNDEE, FL 33838-4627
Document Number	0108961585
Book / Page	010896 / 001585
Instrument Date	Jun 27, 2019
Instrument	139092
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 17, 2019
Title Company	SUNBELT TITLE (AGENCY)

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,374.10
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 RIDGES DR DUNDEE FL 338384627, DUNDEE, FL 33838-4627

Mortgage

Document Number	108961586
Date	Jul 3, 2019
Book Page	010896/001586
Instrument	139093

Lender

Name	ONETRUST HM LOANS
Type	Funding / Finance Company
Address	SAN DIEGO, CA 92108

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 2, 2049

Mortgage

Document Number	108961600,
Date	Jul 3, 2019
Book Page	010896/001600
Instrument	139094

Lender

Name	HOUSING FIN AGCY
Address	TALLAHASSEE, FL 32301-1329

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 2, 2049

Interest

Rate	12%

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	May 23, 2017
Property Address	405 RIDGES DR, DUNDEE, FL 33838-4627
Document Number	0101540006
Book / Page	010154 / 000006
Instrument Date	May 17, 2017
Instrument	97693
Transaction Type	Transfer
Record Updated	Jan 16, 2018
Title Company	SUNBELT TITLE (AGENCY)

Transaction

Amount	Amount Recorded
Tax	$17,108.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1450 LAKE ROBBINS DR #430 SPRING TX 773803294, 430, SPRING, TX 77380-3294
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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		$208,873 (+2.7%)	$246,042 (+1.43%) Land $38,000 Building $208,042
2025	$3,190.00 (+1.75%) Homeowner's exemption	$203,382 (+5.99%)	$242,579 (-9%) Land $38,000 Building $204,579
2023	$3,135.00 (+2.99%) Homeowner's exemption	$191,893 (+3%)	$266,565 (+11.36%) Land $37,000 Building $229,565
2022	$3,044.00 Homeowner's exemption	$186,304	$239,365 Land $31,000 Building $208,365

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

Flood

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

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

Wildfire Risk	Moderate above 53% of the US · lower than 75% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	None beyond ember reach

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 289 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

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