407 Ridges Dr, Dundee, FL 33838 Property Records

Polk County property record for 407 Ridges Dr, Dundee, FL 33838

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,532 sqft · built 2017
Lot Size	0.145 acres (6,325 sqft)
Owner	Individual Name on File
Last Sale	$270,000 (Jan 2022)
Tax Bill	$3,506 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Oct 2021 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`27-28-27-835824-000800`

Property Details

APN / Parcel Number

Primary APN	`27-28-27-835824-000800`
Alternative APN	`72827000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,532 sqft Living Area
Gross Area	2,086 sqft
1st Floor Area	1,532 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
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	Florida Room
Porch Area	166 sqft

Location & Zoning

Street Address	407 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 80
Legal Range	27E
Legal Township	28S
Legal Section	27
Legal Subdivision	RIDGE OF DUNDEE
Legal Tract	835824
Legal Block	1
Legal Lot Number	80
Jurisdiction	POLK FL
Township / Civil Division	HAINES CITY
Census Block Group	1
Census Block	1062
Census Tract	14121

Owner

Source: Polk County assessment roll, as of June 23, 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 File
Mailing Address	407 RIDGES DR, DUNDEE, FL 33838-4627
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2022	Warranty Deed, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
Oct 13, 2021	Warranty Deed, Transfer FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO
Nov 12, 2020	Warranty Deed, Transfer NONA TITLE INC
Dec 28, 2017	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	Verified Name on Deed
Last Sale	Jan 19, 2022 · Amount on Record
Deed Sale	Jan 19, 2022 · Amount on Record
Prior Sale	Oct 13, 2021 · Amount on Record
Deed Document Number	202215910
Deed Book / Page	12078 / 1947
Record Updated	Sep 20, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jan 19, 2022
Property Address	407 RIDGES DR, DUNDEE, FL 33838-4627
Document Number	0000015910
Book / Page	12078 / 1946
Map Reference	MB 137 PG 8
Instrument Date	Jan 14, 2022
Instrument	2022015910
Transaction Type	Transfer
Record Updated	Feb 3, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,890.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 2150, CHANDLER, AZ 85286-1662

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	407 RIDGES DR, DUNDEE, FL 33838-4627

Mortgage

Document Number	0120781948
Date	Jan 19, 2022
Instrument	12078/1948

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 13, 2021
Property Address	407 RIDGES DR, DUNDEE, FL 33838-4627
Document Number	0000268102
Book / Page	11937 / 1103
Map Reference	MB 137 PG 8
Instrument Date	Oct 8, 2021
Instrument	2021268102
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Tax	$1,792.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	268 CITRUS POINTE DR, HAINES CITY, FL 33844-9519

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662
Investor	Possibly a Property Investor

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Nov 12, 2020
Property Address	407 RIDGES DR, DUNDEE, FL 33838-4627
Document Number	0114530163
Book / Page	011453 / 000163
Instrument Date	Oct 23, 2020
Instrument	242285
Transaction Type	Transfer
Record Updated	Nov 26, 2020
Title Company	NONA TITLE INC

Transaction

Amount	Amount Recorded
Tax	$13,370.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	407 RIDGES DR DUNDEE FL 338384627, DUNDEE, FL 33838-4627

December 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Dec 28, 2017
Property Address	407 RIDGES DR, DUNDEE, FL 33838-4627
Document Number	0103522058
Book / Page	010352 / 002058
Instrument Date	Dec 20, 2017
Instrument	249423
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 19, 2018
Title Company	SUNBELT TITLE (AGENCY)

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,301.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 RIDGES DR DUNDEE FL 338384627, DUNDEE, FL 33838-4627

Mortgage

Document Number	103522059
Date	Dec 28, 2017
Book Page	010352/002059
Instrument	249424

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	Dec 27, 2047

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	May 23, 2017
Property Address	407 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 June 23, 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
2025	$3,506.00 (-13.75%) Homeowner's exemption	$219,164 (-7.89%) Land $38,000 Building $181,164	$219,164 (-7.89%) Land $38,000 Building $181,164
2023	$4,065.00 (-8.73%) Homeowner's exemption	$237,942 (+12.02%) Land $37,000 Building $200,942	$237,942 (+12.02%) Land $37,000 Building $200,942
2022	$4,454.00	$212,415 Land $31,000 Building $181,415	$212,415 Land $31,000 Building $181,415

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

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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