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1330 Lucerne Loop Rd NE, Winter Haven, FL 33881 Property Records

Polk County property record for 1330 Lucerne Loop Rd NE, Winter Haven, FL 33881

Property Summary

Property TypeSingle Family Home
Details4 bd · 4 ba · 2,437 sqft · built 2004
Lot Size1.22 acres (53,195 sqft)
Owner2 Individual Names on Record
Last Sale$40,000 (Jun 2002)
Tax Bill$2,727 (2025)
Deeds & MortgagesJul 2022 Line of Credit
Flood ZoneZone X (minimal risk)
APN26-28-02-522100-000240

Property Details

APN / Parcel Number

Primary APN26-28-02-522100-000240
Alternative APNs
  • 022826522100000240
  • 22826000

Interior

Bedrooms4 Beds
Full Baths4 Baths
Stories2 Stories
Building Area2,437 sqft Living Area
Gross Area2,989 sqft
1st Floor Area2,245 sqft
Upper Floors Area192 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2004
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeGable
Roof MaterialOther
Lot Area53,195 sqft
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area552 sqft
Pool TypeEnclosed Pool
PorchScreened/Unfinished Porch
Porch Area351 sqft

Location & Zoning

Street Address1330 LUCERNE LOOP RD NE
CityWINTER HAVEN
StateFL
Zip33881-9680
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR4
Legal DescriptionLUCERNE SHORES PB 39 PG 38 LOTS 24 & 25
Legal Range26E
Legal Township28S
Legal Section02
Legal SubdivisionLUCERNE SHORES
Legal Tract522100
Legal Block2
Legal Lot Number24,25
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2032
Census Tract12804

Owner

Source: Polk County records, as of September 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Mailing AddressPO BOX 4613, WINTER HAVEN, FL 33885-4613
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 12, 2002 · Amount on Record
Deed SaleJun 12, 2002 · Amount on Record
Prior SaleFeb 21, 2001 · Amount on Record
Deed Book / Page5030 / 1222
Last Transfer DateJul 9, 2003
Transfer Doc0054250319
Record UpdatedOct 29, 2026

July 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address1330 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9680
Transaction TypeMortgage
Record UpdatedAug 2, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address1330 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9680

Mortgage

Document Number0000185950
DateJul 8, 2022
Book Page12329/1651
Instrument2022185950
Lender
NameCITIZENS BANK & TRUST
TypeBank
AddressFROSTPROOF, FL 33843
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

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$259,921 (+39.04%)$443,592 (+16.51%) Land $82,796 Building $360,796
2025$2,727.00 (+6.19%) Homeowner's exemption$186,934 (+5.99%)$380,719 (-3.58%) Land $82,796 Building $297,923
2023$2,568.00 (+2.97%) Homeowner's exemption$176,375 (+3%)$394,866 (+5.05%) Land $80,196 Building $314,670
2022$2,494.00 Homeowner's exemption$171,238$375,895 Land $92,434 Building $283,461

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 50% of the US · lower than 79% of Florida
Wildfire Likelihood0.1% 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 SystemSWISS VILLAGE MHP
private · serves 1,410 people · EPA ID FL6532715
Water SourceGroundwater
Last State InspectionSep 2024
Also Mapped HereWINTER HAVEN WATER DEPARTMENT
Lead1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting8
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

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000

May also be available: Frontier, Verizon.

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