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1240 Lucerne Loop Rd NE, Winter Haven, FL 33881 Property Records

Polk County property record for 1240 Lucerne Loop Rd NE, Winter Haven, FL 33881

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,584 sqft · built 1958
Lot Size1.18 acres (51,492 sqft)
Owner2 Individual Names on Record
Last Sale$50,000 (Jan 1997)
Tax Bill$670 (2025)
Deeds & MortgagesMay 2020 Line of Credit
Flood ZoneZone X (minimal risk)
APN26-28-02-522100-000340

Property Details

APN / Parcel Number

Primary APN26-28-02-522100-000340
Alternative APNs
  • 022826522100000340
  • 22826000

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,584 sqft Living Area
1st Floor Area1,584 sqft
FlooringWood
Interior WallsPlaster
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1958
Effective Year BuiltEffective 1958
Exterior MaterialShingles
Construction TypeWood
Foundation TypeConcrete
Roof TypeGable
Roof MaterialOther
Lot Area51,492 sqft
View / LotCommercial/Industrial
Garage TypeDetached
Garage Area704 sqft

Exterior Amenities

PorchScreened/Unfinished Porch
Porch Area264 sqft
Shed1 Shed
Boat AccessBoat Access

Location & Zoning

Street Address1240 LUCERNE LOOP RD NE
CityWINTER HAVEN
StateFL
Zip33881-9330
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionLUCERNE SHORES PB 39 PG 38 LOTS 34 & 35 & SLY 1/2 OF CLOSED C STREET LYING NLY OF LOT 35 LESS WLY 15 FT OF SAID STREET
Legal Range26E
Legal Township28S
Legal Section02
Legal SubdivisionLUCERNE SHORES
Legal Tract522100
Legal Block2
Legal Lot Number34,35
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2035
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 Record2 Individual Names on Record
Mailing Address1240 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9330
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 16, 1997 · Amount on Record
Deed SaleJan 16, 1997 · Amount on Record
Prior SaleJan 18, 1996 · Amount on Record
Deed Book / Page3783 / 1970
Transfer Doc3625002101
Record UpdatedOct 29, 2026

May 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address1240 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9330
Document Number0112491782
Instrument DateMay 16, 2020
Transaction TypeMortgage
Record UpdatedJun 17, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1240 LUCERNE LOOP RD NE WINTER HAVEN FL 338819330, WINTER HAVEN, FL 33881-9330

Mortgage

Document Number0112491782
DateJun 2, 2020
Book Page011249/001782
Instrument108112
Lender
NameMIDFLORIDA CU
AddressLAKELAND, FL 33802
Agreement
TypeLine of Credit
AmountAmount Recorded
Term240 Months
DueJun 1, 2040
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$122,389 (+2.7%)$299,107 (-0.6%) Land $81,519 Building $217,588
2025$670.00 (-40.23%) Homeowner's exemption$119,171 (+5.99%)$300,927 (-1.76%) Land $81,519 Building $219,408
2023$1,121.00 (+11.76%) Homeowner's exemption$112,439 (+5.82%)$306,331 (+1.74%) Land $78,919 Building $227,412
2022$1,003.00 Homeowner's exemption$106,251$301,093 Land $90,390 Building $210,703

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 61% of the US · lower than 65% of Florida
Wildfire Likelihood0.2% 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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