1. Home
  2. Florida
  3. Polk County
  4. Winter Haven
  5. Lucerne Loop Rd NE

1280 Lucerne Loop Rd NE, Winter Haven, FL 33881 Property Records

Polk County property record for 1280 Lucerne Loop Rd NE, Winter Haven, FL 33881 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,439 sqft · built 2013
Lot Size1.13 acres (49,519 sqft)
Owner2 Individual Names on File
Last Sale$60,100 (Nov 2012)
Tax Bill$3,058 (2025)
Deeds & MortgagesAug 2017 Mortgage
Flood ZoneZone X (minimal risk)
APN26-28-02-522100-000290

Property Details

APN / Parcel Number

Primary APN26-28-02-522100-000290
Alternative APNs
  • 022826522100000290
  • 22826000

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,439 sqft Living Area
Gross Area2,919 sqft
1st Floor Area1,432 sqft
Upper Floors Area1,007 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2013
Effective Year BuiltEffective 2013
Exterior MaterialStucco
Construction TypeConcrete Block
Roof TypeFlat
Roof MaterialOther
Lot Area49,519 sqft
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area480 sqft
PorchFinished/Open Porch
Porch Area429 sqft

Location & Zoning

Street Address1280 LUCERNE LOOP RD NE
CityWINTER HAVEN
StateFL
Zip33881-9330
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLUCERNE SHORES PB 39 PG 38 LOTS 29 & 30
Legal Range26E
Legal Township28S
Legal Section02
Legal SubdivisionLUCERNE SHORES
Legal Tract522100
Legal Block2
Legal Lot Number29,30
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2032
Census Tract12804

Owner

Source: Polk County records · APN 26-28-02-522100-000290

Assessment roll updated June 23, 2026 · Last verified July 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 File
Mailing Address1280 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9330
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 14, 2012 · Amount on Record
Deed SaleNov 14, 2012 · Amount on Record
Prior SaleFeb 06, 2007 · Amount on Record
Deed Document Number2012204524
Deed Book / Page8798 / 1827
Record UpdatedSep 20, 2026

August 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address1280 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9330
Document Number0102581102
Instrument DateAug 22, 2017
Transaction TypeMortgage
Record UpdatedAug 25, 2018
Title CompanyVANTAGE PT TITLE INC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1280 LUCERNE LOOP RD NE WINTER HAVEN FL 338819330, WINTER HAVEN, FL 33881-9330

Mortgage

Document Number0102581102
DateSep 13, 2017
Book Page010258/001102
Instrument175067
Lender
NameFIRST FED'L SVGS BK
TypeFederal Savings Bank
AddressLAKE CITY, FL 32055
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term180 Months
DueSep 12, 2032

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$3,058.00 (+6%) Homeowner's exemption$204,357 (+5.99%)$378,687 (-3.53%) Land $80,039 Building $298,648
2023$2,885.00 (+2.89%) Homeowner's exemption$192,814 (+3%)$392,559 (+10.61%) Land $77,439 Building $315,120
2022$2,804.00 Homeowner's exemption$187,198$354,911 Land $88,023 Building $266,888

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050128042, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 20 individual NFIP policies nearby
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 Storm
  • Hurricane Frances, Sep 2004 · 3 claims
  • Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 2 claims

Wildfire

Wildfire RiskModerate
above 50% of the US · above 20% of Florida
Wildfire LikelihoodAbout 1 in 1,000 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 123 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Frontier, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on Lucerne Loop Rd NE

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures