1260 Lucerne Loop Rd NE, Winter Haven, FL 33881 Property Records

Polk County property record for 1260 Lucerne Loop Rd NE, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,307 sqft · built 2006
Lot Size	1.21 acres (53,004 sqft)
Owner	2 Individual Names on Record
Last Sale	$571,000 (Jul 2022)
Tax Bill	$8,333 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Jul 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-02-522100-000310`

Property Details

APN / Parcel Number

Primary APN	`26-28-02-522100-000310`
Alternative APNs	`022826522100000310` `22826000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	3,307 sqft Living Area
Gross Area	3,879 sqft
1st Floor Area	2,227 sqft
Upper Floors Area	1,080 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	53,004 sqft
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	572 sqft
Porch	Unfinished Open Porch
Porch Area	423 sqft

Location & Zoning

Street Address	1260 LUCERNE LOOP RD NE
City	WINTER HAVEN
State	FL
Zip	33881-9330
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	LUCERNE SHORES PB 39 PG 38 LOTS 31 & 32
Legal Range	26E
Legal Township	28S
Legal Section	02
Legal Subdivision	LUCERNE SHORES
Legal Tract	522100
Legal Block	2
Legal Lot Number	31,32
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2032
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	1260 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9330
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jul 31, 2023	Quit Claim Deed, Transfer · Conventional Mortgage LAKEVIEW MORTGAGE BANKERS CORP
Nov 21, 2022	Quit Claim Deed, Transfer · Construction Mortgage STORMFIELD SPV I LLC
Jul 27, 2022	Warranty Deed, Transfer OS NATIONAL LLC
May 27, 2022	Warranty Deed, Transfer OS NATIONAL LLC
Dec 20, 2019	Warranty Deed, Transfer · FHA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2022 · Amount on Record
Deed Sale	Jul 27, 2022 · Amount on Record
Prior Sale	May 27, 2022 · Amount on Record
Deed Document Number	2022204732
Deed Book / Page	12355 / 1827
Last Transfer Date	Jun 30, 2023
Transfer Doc	0000177571
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1260 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9330
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1260 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9330

Mortgage

Document Number	0000032749
Date	Feb 7, 2022
Book Page	12104/1814
Instrument	2022032749

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

July 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Jul 31, 2023
Property Address	1260 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9330
Document Number	0000177571
Book / Page	12782 / 1196
Map Reference	MB 39 PG 38
Instrument Date	Jun 30, 2023
Instrument	2023177571
Transaction Type	Transfer
Record Updated	Aug 21, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1260 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9330

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1260 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9330

Mortgage

Document Number	0127821199
Date	Jul 31, 2023
Instrument	12782/1199

Lender

Name	LAKEVIEW MORTGAGE BANKERS CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

November 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Nov 21, 2022
Property Address	1260 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9330
Document Number	0000303091
Book / Page	12490 / 2052
Map Reference	MB 39 PG 38
Instrument Date	Oct 25, 2022
Instrument	2022303091
Transaction Type	Transfer
Record Updated	Dec 6, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1260 LUCERNE LOOP RD NE, 1260, WINTER HAVEN, FL 33881-9330

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1260 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9330

Mortgage

Document Number	0124902056
Date	Nov 21, 2022
Instrument	12490/2056

Lender

Name	STORMFIELD SPV I LLC
Type	Non-Lending Institution

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 27, 2022
Property Address	1260 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9330
Document Number	0000204732
Book / Page	12355 / 1827
Map Reference	MB 39 PG 38
Instrument Date	Jul 25, 2022
Instrument	2022204732
Transaction Type	Transfer
Record Updated	Aug 8, 2022
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Tax	$3,997.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	410 N SCOTTSDALE RD # RD1600, 410, TEMPE, AZ 85288-7094

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1260 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9330

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 27, 2022
Property Address	1260 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9330
Document Number	0000145730
Book / Page	12272 / 288
Map Reference	MB 39 PG 38
Instrument Date	May 19, 2022
Instrument	2022145730
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Tax	$3,843.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1260 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9330

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Dec 20, 2019
Property Address	1260 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9330
Document Number	0110811835
Book / Page	011081 / 001835
Instrument Date	Dec 13, 2019
Instrument	270242
Transaction Type	Transfer
Record Updated	Jan 13, 2020
Title Company	PARAMOUNT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,175.60
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1260 LUCERNE LOOP RD NE WINTER HAVEN FL 338819330, WINTER HAVEN, FL 33881-9330

Mortgage

Document Number	110811837
Date	Dec 20, 2019
Book Page	011081/001837
Instrument	270243

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 19, 2049

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		$494,662 (+2.7%)	$495,586 (+2.89%) Land $82,653 Building $412,933
2025	$8,333.00 (-7.91%) Homeowner's exemption	$481,657 (+2.49%) Land $82,653 Building $399,004	$481,657 (+2.49%) Land $82,653 Building $399,004
2023	$9,049.00 (+79.76%)	$469,937 (+55.64%) Land $80,053 Building $389,884	$469,937 (+8.73%) Land $80,053 Building $389,884
2022	$5,034.00	$301,932	$432,190 Land $92,205 Building $339,985

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	SWISS VILLAGE MHP private · serves 1,410 people · EPA ID FL6532715
Water Source	Groundwater
Last State Inspection	Sep 2024
Also Mapped Here	WINTER HAVEN WATER DEPARTMENT
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	8 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. The service area is an EPA estimate; the actual supplier may differ.

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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