6020 Lake Ruth Dr E, Dundee, FL 33838 Property Records

Polk County property record for 6020 Lake Ruth Dr E, Dundee, FL 33838

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,303 sqft · built 1997
Lot Size	0.257 acres (11,186 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Jul 2026)
Tax Bill	$3,430 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-28-21-834512-000320`

Property Details

APN / Parcel Number

Primary APN	`27-28-21-834512-000320`
Alternative APNs	`212827834512000320` `12827000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,303 sqft Living Area
Gross Area	1,803 sqft
1st Floor Area	1,303 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	11,186 sqft (0.257 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	500 sqft
Porch	Unfinished Open Porch
Porch Area	30 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	6020 LAKE RUTH DR E
City	DUNDEE
State	FL
Zip	33838-4233
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE RUTH ESTATES PB 98 PG 50 & 51 LOT 32
Legal Range	27E
Legal Township	28S
Legal Section	21
Legal Subdivision	LAKE RUTH ESTATES
Legal Tract	834512
Legal Block	2
Legal Lot Number	32
Jurisdiction	POLK FL
Township / Civil Division	HAINES CITY
Census Block Group	2
Census Block	2015
Census Tract	14131

Owner

6020 Lake Ruth Dr E is owned and occupied by two individuals who bought it in July 2026.

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	2 Individual Names on File
Mailing Address	6020 LAKE RUTH DR E, DUNDEE, FL 33838-4233
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2026 · Amount on File
Deed Sale	Jul 16, 2026 · Amount on File
Prior Sale	Aug 6, 1997 · Amount on File
Deed Document Number	2026169638
Deed Book / Page	14077 / 2002
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 16, 2026
Property Address	6020 LAKE RUTH DR E, DUNDEE, FL 33838-4233
Document Number	0000169638
Book / Page	14077 / 2002
Instrument Date	Jul 16, 2026
Instrument	2026169638
Transaction Type	Transfer
Record Updated	Jul 30, 2026
Title Company	ROSCOMMON COUNTY TITLE INSURANCE AGENCY, ROSEMONT TITLE INSURANCE AGENC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$176,750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	6020 LAKE RUTH DR E, DUNDEE, FL 33838-4233

Mortgage

Document Number	0000169639,
Date	Jul 16, 2026
Book Page	14077/2004
Instrument	2026169639

Lender

Name	SOUTHEAST MORTGAGE/GA

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	301 Months
Due	Aug 1, 2051

Interest

Rate	6.48%
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 6020 Lake Ruth Dr E was $3,430.

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		$181,818 (+9.68%) Land $36,000 Building $145,818	$181,818 (-2.91%) Land $36,000 Building $145,818
2025	$3,430.00	$165,765	$187,276 Land $36,000 Building $151,276
2023	$3,233.00 (+10.04%)	$198,308 (+14.17%) Land $32,000 Building $166,308	$198,308 (+14.17%) Land $32,000 Building $166,308
2022	$2,938.00	$173,693 Land $27,000 Building $146,693	$173,693 Land $27,000 Building $146,693

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

Flood

FEMA maps place 6020 Lake Ruth Dr E in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2022.

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	1 (2022)
Most Recent Claim	Sep 2022 · Hurricane Ian

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 6020 Lake Ruth Dr E is low, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.1% 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 86 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20