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1313 Lucerne Loop Rd NE, Winter Haven, FL 33881 Property Records

Polk County property record for 1313 Lucerne Loop Rd NE, Winter Haven, FL 33881

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,746 sqft · built 2020
Lot Size0.143 acres (6,247 sqft)
Owner2 Individual Names on Record
Last Sale$295,000 (Aug 2024)
Tax Bill$3,752 (2025)
Deeds & MortgagesSep 2020 Loan Modification
Flood ZoneZone X (minimal risk)
APN26-28-02-522102-000070

Property Details

APN / Parcel Number

Primary APN26-28-02-522102-000070
Alternative APNs
  • 022826522102000070
  • 22826000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,746 sqft Living Area
Gross Area2,187 sqft
1st Floor Area1,746 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeSlab (Mat/Raft)
Roof TypeHip
Roof MaterialOther
Lot Area6,247 sqft (0.143 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area441 sqft
PorchFinished/Open Porch
Porch Area140 sqft

Location & Zoning

Street Address1313 LUCERNE LOOP RD NE
CityWINTER HAVEN
StateFL
Zip33881-9301
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLUCERNE PARK PB 171 PGS 1-4 LOT 7
Legal Range26E
Legal Township28S
Legal Section02
Legal SubdivisionLUCERNE PARK
Legal Block2
Legal Lot Number7
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2043
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 Address1313 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9301
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 29, 2024 · Amount on Record
Deed SaleAug 29, 2024 · Amount on Record
Deed Document Number2024200260
Deed Book / Page13246 / 1796
Record UpdatedOct 29, 2026

September 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionPOLK FL
Property Address1313 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9301
Document Number0113691772
Instrument DateSep 2, 2020
Transaction TypeMortgage
Record UpdatedSep 28, 2020
Title CompanyOTHER

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address14701 PHILIPS HWY JACKSONVILLE FL 322563743, JACKSONVILLE, FL 32256-3743

Mortgage

Document Number0113691772
DateSep 10, 2020
Book Page011369/001772
Instrument187660
Lender
NameHOUSING CAP
TypeFunding / Finance Company
Address13737 NOEL RD # 800, DALLAS, TX 75240-1331
Agreement
AmountAmount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$223,306 (-7.28%) Land $50,000 Building $173,306$223,306 (-7.28%) Land $50,000 Building $173,306
2025$3,752.00 (-25.5%)$240,849 (-7.9%) Land $50,000 Building $190,849$240,849 (-7.9%) Land $50,000 Building $190,849
2023$5,036.00 (+8.25%)$261,522 (+9.26%) Land $48,000 Building $213,522$261,522 (+9.26%) Land $48,000 Building $213,522
2022$4,652.00$239,363 Land $40,000 Building $199,363$239,363 Land $40,000 Building $199,363

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 43% of the US · lower than 85% of Florida
Wildfire Likelihood0.09% 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 53 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		7,000 / 7,000
Spectrum
Cable		1,000 / 35

May also be available: Verizon.

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