1320 Lucerne Loop Rd NE, Winter Haven, FL 33881 Property Records

Polk County property record for 1320 Lucerne Loop Rd NE, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,154 sqft · built 1989
Lot Size	0.627 acres (27,321 sqft)
Owner	Individual Name on Record
Last Sale	$350,000 (Aug 2021)
Tax Bill	$5,481 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Aug 2021 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-02-522100-000260`

Property Details

APN / Parcel Number

Primary APN	`26-28-02-522100-000260`
Alternative APNs	`022826522100000260` `22826000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,154 sqft Living Area
1st Floor Area	1,425 sqft
Upper Floors Area	729 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2010
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	27,321 sqft (0.627 acres)
View / Lot	Commercial/Industrial
Garage Type	Detached
Garage Area	156 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1320 LUCERNE LOOP RD NE
City	WINTER HAVEN
State	FL
Zip	33881-9680
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	LUCERNE SHORES PB 39 PG 38 LOT 26
Legal Range	26E
Legal Township	28S
Legal Section	02
Legal Subdivision	LUCERNE SHORES
Legal Tract	522100
Legal Block	2
Legal Lot Number	26
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	Individual Name on Record
Mailing Address	1320 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9680
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 5, 2025	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Aug 12, 2021	Warranty Deed, Transfer · FHA Mortgage AMERIFIRST FINANCIAL CORP
Jul 26, 2019	Warranty Deed, Transfer · FHA Mortgage FREEDOM MTG
Jan 30, 2019	Warranty Deed, Transfer SUNBELT TITLE (AGENCY)
Jan 30, 2019	Quit Claim Deed, Transfer SUNBELT TITLE (AGENCY)
Apr 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 12, 2021 · Amount on Record
Deed Sale	Aug 12, 2021 · Amount on Record
Prior Sale	Jul 26, 2019 · Amount on Record
Deed Document Number	2021210744
Deed Book / Page	11845 / 1728
Prior Transfer Date	Feb 15, 2010
Prior Transfer Doc	0000025141
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1320 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9680
Transaction Type	Mortgage
Record Updated	Sep 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1320 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9680

Mortgage

Document Number	0000208052
Date	Sep 5, 2025
Book Page	13687/584
Instrument	2025208052

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	311 Months
Due	Aug 1, 2051

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Aug 12, 2021
Property Address	1320 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9680
Document Number	0000210744
Book / Page	11845 / 1728
Map Reference	MB 39 PG 38
Instrument Date	Jul 26, 2021
Instrument	2021210744
Transaction Type	Transfer
Record Updated	Aug 27, 2021
Title Company	REAL ESTATE TITLE SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	ARKASA KARPATHOS, GREECE XX

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1320 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9680
Investor	Possibly a Property Investor

Mortgage

Document Number	0118451729
Date	Aug 12, 2021
Instrument	11845/1729

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 26, 2019
Property Address	1320 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9680
Document Number	0109191774
Book / Page	010919 / 001774
Instrument Date	Jul 23, 2019
Instrument	156526
Transaction Type	Transfer
Record Updated	Aug 9, 2019
Title Company	UNITED TITLE GROUP/LAKELAND LLC, UNITED TITLE GRP/LAKELAND LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,701.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1320 LUCERNE LOOP RD NE WINTER HAVEN FL 338819680, WINTER HAVEN, FL 33881-9680

Mortgage

Document Number	109191776
Date	Jul 26, 2019
Book Page	010919/001776
Instrument	156527

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 25, 2049

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jan 30, 2019
Property Address	1320 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9680
Document Number	0107361384
Book / Page	010736 / 001384
Instrument Date	Jan 29, 2019
Instrument	19307
Transaction Type	Transfer
Record Updated	Feb 13, 2019
Title Company	SUNBELT TITLE (AGENCY)

Transaction

Amount	Amount Recorded
Tax	$1,484.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1320 LUCERNE LOOP RD NE WINTER HAVEN FL 338819680, WINTER HAVEN, FL 33881-9680

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	Jan 30, 2019
Property Address	1320 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9680
Document Number	0107361383
Book / Page	010736 / 001383
Instrument Date	Jan 23, 2019
Instrument	19306
Transaction Type	Transfer
Record Updated	Feb 13, 2019
Title Company	SUNBELT TITLE (AGENCY)

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1320 LUCERNE LOOP RD NE WINTER HAVEN FL 338819680, WINTER HAVEN, FL 33881-9680

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1320 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9680
Document Number	0101371047
Book / Page	010137 / 001047
Instrument Date	Apr 26, 2017
Transaction Type	Mortgage
Record Updated	Jun 22, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1320 LUCERNE LOOP RD NE WINTER HAVEN FL 338819680, WINTER HAVEN, FL 33881-9680

Mortgage

Document Number	0101371047
Date	May 4, 2017
Book Page	010137/001047
Instrument	85302

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 3, 2047

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		$286,010 (-0.74%) Land $63,391 Building $222,619	$286,010 (-0.74%) Land $63,391 Building $222,619
2025	$5,481.00 (-4.96%)	$288,145 (-3.8%) Land $63,391 Building $224,754	$288,145 (-3.8%) Land $63,391 Building $224,754
2023	$5,767.00 (+7.79%)	$299,532 (+8.82%) Land $60,791 Building $238,741	$299,532 (+8.82%) Land $60,791 Building $238,741
2022	$5,350.00	$275,265 Land $61,385 Building $213,880	$275,265 Land $61,385 Building $213,880

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 50% of the US · lower than 79% of Florida
Wildfire Likelihood	0.1% 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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