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1140 Lucerne Loop Rd NE, Winter Haven, FL 33881 Property Records

Polk County property record for 1140 Lucerne Loop Rd NE, Winter Haven, FL 33881

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 864 sqft · built 1946
Lot Size0.573 acres (24,947 sqft)
OwnerIndividual Name on Record
Tax Bill$373 (2025)
Flood ZoneZone X (minimal risk)
APN26-28-02-522100-000471

Property Details

APN / Parcel Number

Primary APN26-28-02-522100-000471
Alternative APNs
  • 022826522100000471
  • 22826000

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area864 sqft Living Area
Gross Area1,140 sqft
1st Floor Area864 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1946
Effective Year BuiltEffective 1946
Exterior MaterialStucco
Construction TypeWood
Foundation TypePier/Post & Beam
Roof TypeGable
Roof MaterialMetal
Lot Area24,947 sqft (0.573 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area276 sqft

Exterior Amenities

PorchScreened/Unfinished Porch
Porch Area308 sqft
Shed1 Shed
Utility Building84 sqft

Utilities, Heating & Cooling

Cooling SystemNone

Location & Zoning

Street Address1140 LUCERNE LOOP RD NE
CityWINTER HAVEN
StateFL
Zip33881-9681
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionLUCERNE SHORES PB 39 PG 38 LOTS 47 & 48 PART DES AS BEG SW COR OF 47 RUN ELY ALONG SLY LINE OF LOT 47 339.93 FT TO WATERS EDGE N ALONG WATERS EDGE 44.3 FT WLY TO PT IN ELY LINE LUCERNE DR 100.43 FT NLY FROM POB SLY TO POB
Legal Range26E
Legal Township28S
Legal Section02
Legal SubdivisionLUCERNE SHORES
Legal Tract522100
Legal Block2
Legal Lot Number47,48
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2037
Census Tract12804

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 RecordIndividual Name on Record
Mailing Address1140 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9681
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Record UpdatedOct 29, 2026

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
MunicipalityWinter Haven City
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$59,481 (+2.7%)$181,412 (+0.79%) Land $59,873 Building $121,539
2025$373.00 (-55.38%) Homeowner's exemption$57,917 (+5.99%)$179,990 (-1.42%) Land $59,873 Building $120,117
2023$836.00 (+4.11%) Homeowner's exemption$54,646 (+3%)$182,586 (+8.93%) Land $57,378 Building $125,208
2022$803.00 Homeowner's exemption$53,054$167,621 Land $57,378 Building $110,243

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
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 20 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies20 in force
Nearby Flood Claims7 (2004–2023)
Claims Outside the SFHA1 of 7
Most Recent ClaimApr 2023 · rainfall accumulation
Claims by Event
  • Hurricane Frances, Sep 2004 · 3 claims
  • Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 2 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 83% of Florida
Wildfire Likelihood0.1% annual chance
ExposureDirect
burnable vegetation

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 SystemWINTER HAVEN WATER DEPARTMENT
serves 87,537 people · EPA ID FL6531992
Water SourceGroundwater
Last State InspectionDec 2021
Lead7 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Sep 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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 123 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000

May also be available: Frontier, Verizon.

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