1230 Lucerne Loop Rd NE, Winter Haven, FL 33881 Property Records

Polk County property record for 1230 Lucerne Loop Rd NE, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,496 sqft · built 1968
Lot Size	0.663 acres (28,872 sqft)
Owner	2 Individual Names on Record
Last Sale	$270,000 (Aug 2020)
Tax Bill	$3,305 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage Aug 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-02-522100-000360`

Property Details

APN / Parcel Number

Primary APN	`26-28-02-522100-000360`
Alternative APNs	`022826522100000360` `22826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,496 sqft Living Area
Gross Area	1,707 sqft
1st Floor Area	1,352 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1968
Effective Year Built	Effective 2015
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	28,872 sqft (0.663 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	187 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	296 sqft
Patio Area	312 sqft
Shed	1 Shed
Utility Building	187 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1230 LUCERNE LOOP RD NE
City	WINTER HAVEN
State	FL
Zip	33881-9330
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LUCERNE SHORES PB 39 PG 38 LOT 36 & NLY 1/2 OF CLOSED C STREET LYING SLY OF LOT LESS WLY 15 FT OF SAID STREET
Legal Range	26E
Legal Township	28S
Legal Section	02
Legal Subdivision	LUCERNE SHORES
Legal Tract	522100
Legal Block	2
Legal Lot Number	36
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2035
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	1230 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9330
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2020	Warranty Deed, Transfer · FHA Mortgage DAS ACQUISITION
Aug 11, 2020	Quit Claim Deed, Transfer INTEGRITY FIRST TITLE LLC/DAVE
Oct 5, 2017	Warranty Deed, Transfer · FHA Mortgage MORTGAGE FIRM

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2020 · Amount on Record
Deed Sale	Aug 11, 2020 · Amount on Record
Prior Sale	Oct 5, 2017 · Amount on Record
Deed Document Number	2020161659
Deed Book / Page	11329 / 2008
Prior Transfer Date	Jul 22, 2020
Prior Transfer Doc	0000161658
Record Updated	Oct 29, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Aug 11, 2020
Property Address	1230 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9330
Document Number	0113292008
Book / Page	011329 / 002008
Instrument Date	Jul 22, 2020
Instrument	161659
Transaction Type	Transfer
Record Updated	Aug 28, 2020
Title Company	INTEGRITY FIRST TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,890.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1230 LUCERNE LOOP RD NE WINTER HAVEN FL 338819330, WINTER HAVEN, FL 33881-9330

Mortgage

Document Number	113292010
Date	Aug 11, 2020
Book Page	011329/002010
Instrument	161660

Lender

Name	DAS ACQUISITION
Address	KENOSHA, WI 53141

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 10, 2050

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Aug 11, 2020
Property Address	1230 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9330
Document Number	0113292006
Book / Page	011329 / 002006
Instrument Date	Jul 22, 2020
Instrument	161658
Transaction Type	Transfer
Record Updated	Aug 28, 2020
Title Company	INTEGRITY FIRST TITLE LLC/DAVE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1230 LUCERNE LOOP RD NE WINTER HAVEN FL 338819330, WINTER HAVEN, FL 33881-9330

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 5, 2017
Property Address	1230 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9330
Document Number	0102790637
Book / Page	010279 / 000637
Instrument Date	Sep 19, 2017
Instrument	191054
Transaction Type	Transfer
Record Updated	Nov 20, 2018
Title Company	INTEGRITY FIRST TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,715.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1230 LUCERNE LOOP RD NE WINTER HAVEN FL 338819330, WINTER HAVEN, FL 33881-9330

Mortgage

Document Number	102790638
Date	Oct 5, 2017
Book Page	010279/000638
Instrument	191055

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 4, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$269,452 (-7.05%) Land $64,554 Building $204,898	$269,452 (-7.05%) Land $64,554 Building $204,898
2025	$3,305.00 (-16.62%) Homeowner's exemption	$289,882 (-2.95%) Land $64,554 Building $225,328	$289,882 (-2.95%) Land $64,554 Building $225,328
2023	$3,964.00 (+8.16%) Homeowner's exemption	$298,701 (+9.57%) Land $61,954 Building $236,747	$298,701 (+9.57%) Land $61,954 Building $236,747
2022	$3,665.00	$272,601 Land $63,246 Building $209,355	$272,601 Land $63,246 Building $209,355

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 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 61% of the US · lower than 65% of Florida
Wildfire Likelihood	0.2% 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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