1190 Lucerne Loop Rd NE, Winter Haven, FL 33881 Property Records

Polk County property record for 1190 Lucerne Loop Rd NE, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 4,130 sqft · built 1976
Lot Size	0.865 acres (37,679 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,306 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Aug 2019 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-02-522100-000410`

Property Details

APN / Parcel Number

Primary APN	`26-28-02-522100-000410`
Alternative APNs	`022826522100000410` `22826000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	4,130 sqft Living Area
Gross Area	1,850 sqft
1st Floor Area	1,274 sqft
Flooring	Terrazzo
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	37,679 sqft (0.865 acres)
View / Lot	Commercial/Industrial
Porch	Florida Room
Porch Area	712 sqft
Shed	1 Shed

Location & Zoning

Street Address	1190 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 LOTS 41 & SLY 50 FT OF 42
Legal Range	26E
Legal Township	28S
Legal Section	02
Legal Subdivision	LUCERNE SHORES
Legal Tract	522100
Legal Block	2
Legal Lot Number	41
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2036
Census Tract	12804

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 Record	2 Individual Names on Record
Mailing Address	1190 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9681
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2021	Quit Claim Deed, Transfer · VA Mortgage FREEDOM MTG
Aug 5, 2019	Grant Deed, Transfer ATTORNEY ONLY
Jul 19, 2017	Deed of Trust, Mortgage · VA Mortgage NETWORK CAP FNDG
Dec 23, 2016	Deed of Trust, Mortgage · VA Mortgage NETWORK CAP FNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 13, 2021
Deed Sale	Jan 13, 2021
Prior Sale	Sep 10, 2002 · Amount on Record
Deed Document Number	20219718
Deed Book / Page	11536 / 2267
Prior Transfer Date	Jul 28, 2020
Prior Transfer Doc	0000009718
Record Updated	Oct 29, 2026

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Jan 13, 2021
Property Address	1190 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9681
Document Number	0115362267
Book / Page	011536 / 002267
Instrument Date	Jul 28, 2020
Instrument	9718
Transaction Type	Transfer
Record Updated	Jan 26, 2021
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1190 LUCERNE LOOP RD NE WINTER HAVEN FL 338819681, WINTER HAVEN, FL 33881-9681

Mortgage

Document Number	115362270
Date	Jan 13, 2021
Book Page	011536/002270
Instrument	9719

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jan 12, 2046

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Aug 5, 2019
Property Address	1190 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

Transaction

Amount	Amount Recorded
Tax	$7,000.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

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

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1190 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9681
Document Number	0102182123
Book / Page	010218 / 002123
Instrument Date	Jul 19, 2017
Transaction Type	Mortgage
Record Updated	Aug 16, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1190 LUCERNE LOOP RD NE WINTER HAVEN FL 338819681, WINTER HAVEN, FL 33881-9681

Mortgage

Document Number	0102182123
Date	Jul 31, 2017
Book Page	010218/002123
Instrument	145071

Lender

Name	NETWORK CAP FNDG
Type	Funding / Finance Company
Address	IRVINE, CA 92614

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 30, 2047

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1190 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9681
Document Number	0100411691
Book / Page	010041 / 001691
Instrument Date	Dec 23, 2016
Transaction Type	Mortgage
Record Updated	Feb 24, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1190 LUCERNE LOOP RD NE WINTER HAVEN FL 338819681, WINTER HAVEN, FL 33881-9681

Mortgage

Document Number	0100411691
Date	Jan 19, 2017
Book Page	010041/001691
Instrument	10647

Lender

Name	NETWORK CAP FNDG
Type	Funding / Finance Company
Address	IRVINE, CA 92614

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 18, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$223,261 (+2.7%)	$486,841 (+1.52%) Land $71,163 Building $415,678
2025	$3,306.00 (+5.89%) Homeowner's exemption	$217,391 (+5.99%)	$479,556 (-1.28%) Land $71,163 Building $408,393
2023	$3,122.00 (+2.83%) Homeowner's exemption	$205,111 (+3%)	$485,762 (+24.39%) Land $68,563 Building $417,199
2022	$3,036.00 Homeowner's exemption	$199,137	$390,517 Land $73,821 Building $316,696

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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	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 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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