Polk County property record for 1170 Lucerne Loop Rd NE, Winter Haven, FL 33881
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,596 sqft · built 1973 |
| Lot Size | 0.527 acres (22,956 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $865 (2025) |
| Deeds & Mortgages | Aug 2019 Sale Jan 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-02-522100-000440 |
| Primary APN | 26-28-02-522100-000440 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,596 sqft Living Area |
| Gross Area | 2,058 sqft |
| 1st Floor Area | 1,596 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 22,956 sqft (0.527 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Street Address | 1170 LUCERNE LOOP RD NE |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33881-9681 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LUCERNE SHORES PB 39 PG 38 LOT 44 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 02 |
| Legal Subdivision | LUCERNE SHORES |
| Legal Tract | 522100 |
| Legal Block | 2 |
| Legal Lot Number | 44 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2037 |
| Census Tract | 12804 |
1170 Lucerne Loop Rd NE is owned and occupied by an individual.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 4255, WINTER HAVEN, FL 33885-4255 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 5, 2019 | Grant Deed, Transfer ATTORNEY ONLY |
| Jan 12, 2018 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA BANK OF AMERICA NA |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 5, 2019 |
| Property Address | 1170 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9681 |
| Document Number | 0109290511 |
| Book / Page | 010929 / 000511 |
| Instrument Date | Jul 31, 2019 |
| Instrument | 162976 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $7,000.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 27452 CALLE ARROYO SAN JUAN CAPISTRANO CA 926752748, SAN JUAN CAPISTRANO, CA 92675-2748 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1170 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9681 |
| Document Number | 0103870046 |
| Instrument Date | Jan 12, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2018 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 1170 LUCERNE LOOP RD NE WINTER HAVEN FL 338819681, WINTER HAVEN, FL 33881-9681 |
| Document Number | 0103870046 |
|---|---|
| Date | Feb 2, 2018 |
| Book Page | 010387/000046 |
| Instrument | 25933 |
| Name | BANK OF AMERICA NA BANK OF AMERICA NA |
|---|---|
| Type | Funding / Finance Company |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2048 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 1170 Lucerne Loop Rd NE was $865 with a homeowner's exemption.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $108,635 (+2.7%) | $237,616 (+0.74%) Land $55,094 Building $182,522 | |
| 2025 | $865.00 Homeowner's exemption | $105,779 | $235,881 Land $55,094 Building $180,787 |
| 2023 | $1,281.00 (+4.66%) Homeowner's exemption | $99,804 (+3%) | $242,302 (+6.76%) Land $52,799 Building $189,503 |
| 2022 | $1,224.00 Homeowner's exemption | $96,897 | $226,949 Land $52,799 Building $174,150 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1170 Lucerne Loop Rd NE in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 20 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 20 in force |
| Nearby Flood Claims | 7 (2004–2023) |
| Claims Outside the SFHA | 1 of 7 |
| Most Recent Claim | Apr 2023 · rainfall accumulation |
| Claims by Event |
|
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 risk around 1170 Lucerne Loop Rd NE is moderate, ranking above 46% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · lower than 83% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WINTER HAVEN WATER DEPARTMENT serves 87,537 people · EPA ID FL6531992 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2021 |
| Lead | 7 ppb (2023) action level 15 ppb |
| Water Quality | E. coli resolved · Sep 2021 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 16 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.
Source: FCC Broadband Data Collection, based on 123 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
May also be available: Frontier, Verizon.
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