408 Ridges Dr, Dundee, FL 33838 Property Records

Polk County property record for 408 Ridges Dr, Dundee, FL 33838

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,383 sqft · built 2017
Lot Size	0.215 acres (9,370 sqft)
Owner	Individual Name on Record
Last Sale	$290,000 (Dec 2022)
Tax Bill	$2,698 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Mar 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`27-28-27-835824-000740`

Property Details

APN / Parcel Number

Primary APN	`27-28-27-835824-000740`
Alternative APN	`72827000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,383 sqft Living Area
Gross Area	1,803 sqft
1st Floor Area	1,383 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	9,370 sqft (0.215 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	420 sqft
Porch	Screened/Unfinished Porch
Porch Area	118 sqft

Location & Zoning

Street Address	408 RIDGES DR
City	DUNDEE
State	FL
Zip	33838-4626
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIDGE OF DUNDEE PB 137 PG 8 LOT 74
Legal Range	27E
Legal Township	28S
Legal Section	27
Legal Subdivision	RIDGE OF DUNDEE
Legal Block	1
Legal Lot Number	74
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	408 RIDGES DR, DUNDEE, FL 33838-4626
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2022	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Mar 3, 2020	Deed of Trust, Mortgage · VA Mortgage LOW VA RATES LLC
Nov 9, 2017	Grant Deed, Subdivision Related Transfer · VA Mortgage ONETRUST HM LOANS
Nov 9, 2017	Affidavit of Death, Transfer SUNBELT TITLE SERVICES INC
May 23, 2017	Grant Deed, Transfer SUNBELT TITLE (AGENCY)

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 19, 2022 · Amount on Record
Deed Sale	Dec 19, 2022 · Amount on Record
Prior Sale	Nov 9, 2017 · Amount on Record
Deed Document Number	2022326180
Deed Book / Page	12522 / 649
Record Updated	Oct 29, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Dec 19, 2022
Property Address	408 RIDGES DR, DUNDEE, FL 33838-4626
Document Number	0000326180
Book / Page	12522 / 649
Map Reference	MB 137 PG 8
Instrument Date	Dec 14, 2022
Instrument	2022326180
Transaction Type	Transfer
Record Updated	Dec 30, 2022
Title Company	CELEBRATION TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,030.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4525 DUNKELD AVE, ORLANDO, FL 32822-5699

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 RIDGES DR, DUNDEE, FL 33838-4626

Mortgage

Document Number	0012522653
Date	Dec 19, 2022
Instrument	12522/653

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	408 RIDGES DR, DUNDEE, FL 33838-4626
Document Number	0111690724
Instrument Date	Mar 3, 2020
Transaction Type	Mortgage
Record Updated	Apr 6, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 RIDGES DR DUNDEE FL 338384626, DUNDEE, FL 33838-4626

Mortgage

Document Number	0111690724
Date	Mar 9, 2020
Book Page	011169/000724
Instrument	54421

Lender

Name	LOW VA RATES LLC
Address	LINDON, UT 84042

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 8, 2050

November 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Nov 9, 2017
Property Address	408 RIDGES DR, DUNDEE, FL 33838-4626
Document Number	0103092173
Book / Page	010309 / 002173
Instrument Date	Oct 31, 2017
Instrument	215161
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 8, 2017
Title Company	SUNBELT TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,259.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 RIDGES DR DUNDEE FL 338384626, DUNDEE, FL 33838-4626

Mortgage

Document Number	103092174
Date	Nov 9, 2017
Book Page	010309/002174
Instrument	215162

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 8, 2047

November 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	POLK FL
Recording Date	Nov 9, 2017
Property Address	408 RIDGES DR, DUNDEE, FL 33838-4626
Document Number	0103092170
Book / Page	010309 / 002170
Instrument Date	Oct 31, 2017
Instrument	215159
Transaction Type	Transfer
Record Updated	Dec 8, 2017
Title Company	SUNBELT TITLE SERVICES INC

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	May 23, 2017
Property Address	408 RIDGES DR, DUNDEE, FL 33838-4626
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		$183,625 (+2.7%)	$206,200 (+1.41%) Land $38,000 Building $168,200
2025	$2,698.00 (-41.98%) Homeowner's exemption	$178,797 (-20.04%)	$203,324 (-9.07%) Land $38,000 Building $165,324
2023	$4,650.00 (+3,370.15%)	$223,613 (+94.69%) Land $37,000 Building $186,613	$223,613 (+12.2%) Land $37,000 Building $186,613
2022	$134.00 Homeowner's exemption	$114,854	$199,301 Land $31,000 Building $168,301

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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