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509 Ridges Dr, Dundee, FL 33838 Property Records

Polk County property record for 509 Ridges Dr, Dundee, FL 33838

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,242 sqft · built 2006
Lot Size0.145 acres (6,325 sqft)
Owner2 Individuals on Record
Last Sale$195,000 (Nov 2025)
Tax Bill$4,425 (2025)
Deeds & MortgagesNov 2025 Sale
Jun 2022 Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN27-28-27-835824-000940

Property Details

APN / Parcel Number

Primary APN27-28-27-835824-000940
Alternative APN
  • 72827000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories2 Stories
Building Area2,242 sqft Living Area
Gross Area2,662 sqft
1st Floor Area1,160 sqft
Upper Floors Area1,082 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2006
Exterior MaterialStucco
Construction TypeConcrete Block
Roof TypeHip
Roof MaterialOther
Lot Area6,325 sqft (0.145 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area420 sqft
PorchUnfinished Open Porch
Porch Area18 sqft

Location & Zoning

Street Address509 RIDGES DR
CityDUNDEE
StateFL
Zip33838-4629
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionRIDGE OF DUNDEE PB 137 PG 8 LOT 94
Legal Range27E
Legal Township28S
Legal Section27
Legal SubdivisionRIDGE OF DUNDEE
Legal Tract835824
Legal Block1
Legal Lot Number94
JurisdictionPOLK FL
Township / Civil DivisionHAINES CITY
Census Block Group1
Census Block1062
Census Tract14121

Owner

Source: Polk County assessment roll, as of July 23, 2026

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

Owner of Record2 Individuals on Record
Mailing Address110 W CYPRESS ST, DAVENPORT, FL 33837-3112
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 13, 2025Special Warranty Deed, Transfer
UNKNOWN, TOWNSGATE CLOSING SERVICES
Jun 14, 2022Deed of Trust, Mortgage · FHA Mortgage
PENNYMAC LOAN SERVICES LLC
Jan 17, 2020Loan Modification, Mortgage · Conventional with PMI
PENNYMAC
Dec 7, 2018Loan Modification, Mortgage · Conventional with PMI
PENNYMAC
Oct 18, 2017Warranty Deed, Transfer
ATLANTIC BAY MTG

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 13, 2025 · Amount on Record
Deed SaleNov 13, 2025 · Amount on Record
Prior SaleMar 4, 2025 · Amount on Record
Deed Document Number2025268976
Deed Book / Page13777 / 8
Record UpdatedSep 20, 2026

November 2025: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionPOLK FL
Recording DateNov 13, 2025
Property Address509 RIDGES DR, DUNDEE, FL 33838-4629
Document Number0000268976
Book / Page13777 / 8
Map ReferenceMB 137 PG 8
Instrument DateOct 15, 2025
Instrument2025268976
Transaction TypeTransfer
Record UpdatedNov 28, 2025
Title CompanyUNKNOWN, TOWNSGATE CLOSING SERVICES

Transaction

AmountAmount Recorded
Tax$1,365.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3043 TOWNSGATE RD # 200, 200, WESTLAKE VILLAGE, CA 91361-3027

Transferred To (Grantee/Buyer)

NameVerified Name
Address110 W CYPRESS ST, DAVENPORT, FL 33837-3112

June 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address509 RIDGES DR, DUNDEE, FL 33838-4629
Transaction TypeMortgage
Record UpdatedJun 28, 2022
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address509 RIDGES DR, DUNDEE, FL 33838-4629

Mortgage

Document Number0000161727
DateJun 14, 2022
Book Page12295/1175
Instrument2022161727
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressMOORPARK, CA 93021
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term356 Months
DueFeb 1, 2052

January 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionPOLK FL
Property Address509 RIDGES DR, DUNDEE, FL 33838-4629
Document Number0111680540
Instrument DateJan 17, 2020
Transaction TypeMortgage
Record UpdatedMar 27, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address509 RIDGES DR DUNDEE FL 338384629, DUNDEE, FL 33838-4629

Mortgage

Document Number0111680540
DateMar 9, 2020
Book Page011168/000540
Instrument53627
Lender
NamePENNYMAC
AddressMOORPARK, CA 93021
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueMar 8, 2050
Interest
Rate TypeFixed Rate
Rate4.12%

December 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionPOLK FL
Property Address509 RIDGES DR, DUNDEE, FL 33838-4629
Document Number0107800002
Instrument DateDec 7, 2018
Transaction TypeMortgage
Record UpdatedApr 1, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address509 RIDGES DR DUNDEE FL 338384629, DUNDEE, FL 33838-4629

Mortgage

Document Number0107800002
DateMar 18, 2019
Book Page010780/000002
Instrument53124
Lender
NamePENNYMAC
AddressMOORPARK, CA 93021
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueMar 17, 2049
Interest
Rate TypeFixed Rate
Rate5.25%

October 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateOct 18, 2017
Property Address509 RIDGES DR, DUNDEE, FL 33838-4629
Document Number0102890565
Book / Page010289 / 000565
Instrument DateOct 6, 2017
Instrument198737
Transaction TypeTransfer
Record UpdatedMar 27, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,189.00

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address509 RIDGES DR DUNDEE FL 338384629, DUNDEE, FL 33838-4629

Mortgage

Document Number102890567
DateOct 18, 2017
Book Page010289/000567
Instrument198738
Lender
NameATLANTIC BAY MTG
TypeMortgage Company
AddressVIRGINIA BEACH, VA 23452
Agreement
AmountAmount Recorded
Term360 Months
DueOct 17, 2047

Tax Assessment & Valuation

Source: Polk County assessment roll, as of July 23, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
MunicipalityDundee Town
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,425.00 (-2.7%)$221,206 (-2.64%) Land $38,000 Building $183,206$221,206 (-2.64%) Land $38,000 Building $183,206
2024$4,548.00 (+4.03%)$227,195 (-5.92%) Land $38,000 Building $189,195$227,195 (-5.92%) Land $38,000 Building $189,195
2023$4,372.00 (+12.13%)$241,485 (+21.77%) Land $37,000 Building $204,485$241,485 (+21.77%) Land $37,000 Building $204,485
2022$3,899.00$198,320 Land $31,000 Building $167,320$198,320 Land $31,000 Building $167,320

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies4 in force
Nearby Flood Claims4 (2002–2004)
Claims Outside the SFHA2 of 4
Most Recent ClaimSep 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 RiskModerate
above 46% of the US · lower than 82% of Florida
Wildfire Likelihood0.08% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemTOWN OF DUNDEE
serves 3,824 people · EPA ID FL6530485
Water SourceGroundwater
Last State InspectionDec 2024
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

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

Water QualityTotal trihalomethanes
not recorded as resolved · Jan 2026
Ethylene dibromide
resolved · Jan 2024
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting14
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 219 locations within half a mile, as of December 31, 2025

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

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