1361 Lucerne Loop Rd NE, Winter Haven, FL 33881 Property Records

Polk County property record for 1361 Lucerne Loop Rd NE, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,597 sqft · built 2019
Lot Size	0.144 acres (6,255 sqft)
Owner	Company Name on File
Tax Bill	$4,315 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage Sep 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-02-522102-000260`

Property Details

APN / Parcel Number

Primary APN	`26-28-02-522102-000260`
Alternative APNs	`022826522102000260` `22826000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,597 sqft Living Area
Gross Area	2,079 sqft
1st Floor Area	1,597 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	6,255 sqft (0.144 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	482 sqft
Porch	Finished/Open Porch
Porch Area	48 sqft

Location & Zoning

Street Address	1361 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 26
Legal Range	26E
Legal Township	28S
Legal Section	02
Legal Subdivision	LUCERNE PARK
Legal Block	2
Legal Lot Number	26
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2043
Census Tract	12804

Owner

1361 Lucerne Loop Rd NE, a single family home, is owned by a company.

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

Owner of Record	Company Name on File
Mailing Address	800 N STATE ST, 402, DOVER, DE 19901-3925
Owner Type	Company
Vesting	Limited Liability Company

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

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2020	Grant Deed, Subdivision Related Transfer · FHA Mortgage FBC MTG
Sep 16, 2020	Grant Deed, Subdivision Related Transfer · FHA Mortgage PARAMOUNT RESID'L MTG
Mar 19, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

October 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Oct 5, 2020
Property Address	1361 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9301
Document Number	0114010561
Book / Page	011401 / 000561
Instrument Date	Sep 29, 2020
Instrument	208933
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 28, 2020
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,596.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	261 MEADOWBROOK BLVD WINTER HAVEN FL 33881, WINTER HAVEN, FL 33881

Mortgage

Document Number	114010562
Date	Oct 5, 2020
Book Page	011401/000562
Instrument	208934

Lender

Name	FBC MTG
Type	Mortgage Company
Address	ORLANDO, FL 32801

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 4, 2050

September 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Sep 16, 2020
Property Address	1361 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9301
Document Number	0113761106
Book / Page	011376 / 001106
Instrument Date	Sep 10, 2020
Instrument	192421
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 7, 2020
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,610.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	242 MEADOWBROOK BLVD WINTER HAVEN FL 33881, WINTER HAVEN, FL 33881

Mortgage

Document Number	113761107
Date	Sep 16, 2020
Book Page	011376/001107
Instrument	192422

Lender

Name	PARAMOUNT RESID'L MTG
Type	Mortgage Company
Address	CORONA, CA 92879

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 15, 2050

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Mar 19, 2020
Property Address	1361 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9301
Document Number	0111820739
Book / Page	011182 / 000739
Instrument Date	Mar 17, 2020
Instrument	63639
Transaction Type	Transfer
Record Updated	Oct 7, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$9,800.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6200 LEE VISTA BLVD #400 ORLANDO FL 328225149, 400, ORLANDO, FL 32822-5149

Tax Assessment & Valuation

The 2025 property tax bill for 1361 Lucerne Loop Rd NE was $4,315, down 6.9% from the year before.

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		$211,831 (-6.63%) Land $50,000 Building $161,831	$211,831 (-6.63%) Land $50,000 Building $161,831
2025	$4,315.00 (-6.94%)	$226,874 Land $50,000 Building $176,874	$226,874 Land $50,000 Building $176,874
2024	$4,637.00 (-2.85%)
2023	$4,773.00 (+8.38%)	$247,870 (+9.4%) Land $48,000 Building $199,870	$247,870 (+9.4%) Land $48,000 Building $199,870
2022	$4,404.00	$226,578 Land $40,000 Building $186,578	$226,578 Land $40,000 Building $186,578

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

Flood

FEMA maps place 1361 Lucerne Loop Rd NE in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 1361 Lucerne Loop Rd NE is moderate, ranking above 43% of the US, with a 0.08% annual chance of 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	0.08% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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