1319 Lucerne Loop Rd NE, Winter Haven, FL 33881 Property Records

Polk County property record for 1319 Lucerne Loop Rd NE, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,599 sqft · built 2020
Lot Size	0.176 acres (7,671 sqft)
Owner	Individual Name on Record
Last Sale	$280,000 (Dec 2023)
Tax Bill	$4,342 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Sep 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-02-522102-000100`

Property Details

APN / Parcel Number

Primary APN	`26-28-02-522102-000100`
Alternative APNs	`022826522102000100` `22826000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,599 sqft Living Area
Gross Area	2,079 sqft
1st Floor Area	1,599 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Other
Lot Area	7,671 sqft (0.176 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	480 sqft
Porch	Finished/Open Porch
Porch Area	48 sqft

Location & Zoning

Street Address	1319 LUCERNE LOOP RD NE
City	WINTER HAVEN
State	FL
Zip	33881-9301
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUCERNE PARK PB 171 PGS 1-4 LOT 10
Legal Range	26E
Legal Township	28S
Legal Section	02
Legal Subdivision	LUCERNE PARK
Legal Block	2
Legal Lot Number	10
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2043
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	Individual Name on Record
Mailing Address	1319 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9301
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2023	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Sep 4, 2020	Grant Deed, Transfer ATTORNEY ONLY
Sep 2, 2020	Loan Modification, Mortgage HOUSING CAP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 2023 · Amount on Record
Deed Sale	Dec 21, 2023 · Amount on Record
Deed Document Number	2023297816
Deed Book / Page	12949 / 1200
Record Updated	Oct 29, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Dec 21, 2023
Property Address	1319 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9301
Document Number	0000297816
Book / Page	12949 / 1200
Map Reference	MB 171 PG 1-4
Instrument Date	Dec 14, 2023
Instrument	2023297816
Transaction Type	Transfer
Record Updated	Jan 9, 2024
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,960.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	27452 CALLE ARROYO # 402, 402, SAN JUAN CAPISTRANO, CA 92675-2748

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1319 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9301

Mortgage

Document Number	0129491202
Date	Dec 21, 2023
Instrument	12949/1202

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Sep 4, 2020
Property Address	1319 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9301
Document Number	0113650217
Book / Page	011365 / 000217
Instrument Date	Sep 2, 2020
Instrument	184524
Transaction Type	Transfer
Record Updated	Sep 29, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$4,248.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	14701 PHILIPS HWY #300 JACKSONVILLE FL 322563742, 300, JACKSONVILLE, FL 32256-3742
Investor	Possibly a Property Investor

September 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK FL
Property Address	1319 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9301
Document Number	0113691669
Instrument Date	Sep 2, 2020
Transaction Type	Mortgage
Record Updated	Sep 28, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	14701 PHILIPS HWY JACKSONVILLE FL 322563743, JACKSONVILLE, FL 32256-3743

Mortgage

Document Number	0113691669
Date	Sep 10, 2020
Book Page	011369/001669
Instrument	187623

Lender

Name	HOUSING CAP
Type	Funding / Finance Company
Address	13737 NOEL RD # 800, DALLAS, TX 75240-1331

Agreement

Amount	Amount Recorded

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		$211,902 (-7.18%) Land $50,000 Building $161,902	$211,902 (-7.18%) Land $50,000 Building $161,902
2025	$4,342.00 (-8.88%)	$228,292 (-7.75%) Land $50,000 Building $178,292	$228,292 (-7.75%) Land $50,000 Building $178,292
2023	$4,765.00 (+8.39%)	$247,466 (+9.4%) Land $48,000 Building $199,466	$247,466 (+9.4%) Land $48,000 Building $199,466
2022	$4,396.00	$226,202 Land $40,000 Building $186,202	$226,202 Land $40,000 Building $186,202

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 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.09% 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 53 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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