Polk County property record for 1370 Lucerne Loop Rd NE, Winter Haven, FL 33881
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,628 sqft · built 1979 |
| Lot Size | 0.736 acres (32,043 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $178,000 (Jun 2016) |
| Tax Bill | $1,659 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-02-522100-000210 |
| Primary APN | 26-28-02-522100-000210 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,628 sqft Living Area |
| 1st Floor Area | 1,208 sqft |
| Flooring | Terrazzo |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Tile |
| Lot Area | 32,043 sqft (0.736 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Detached |
| Garage Area | 520 sqft |
| Porch | Florida Room |
| Porch Area | 430 sqft |
| Cooling System | Central |
|---|
| Street Address | 1370 LUCERNE LOOP RD NE |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33881-9680 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LUCERNE SHORES PB 39 PG 38 LOT 21 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 02 |
| Legal Subdivision | LUCERNE SHORES |
| Legal Tract | 522100 |
| Legal Block | 2 |
| Legal Lot Number | 21 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2045 |
| Census Tract | 12804 |
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 | 1370 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9680 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 13, 2016 · Amount on Record |
| Deed Sale | Jun 13, 2016 · Amount on Record |
| Prior Sale | Jul 20, 1998 · Amount on Record |
| Deed Document Number | 2016105688 |
| Deed Book / Page | 9847 / 2215 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1370 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9680 |
| Transaction Type | Mortgage |
| Record Updated | May 6, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1370 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9680 |
| Document Number | 0000103903 |
|---|---|
| Date | Apr 23, 2021 |
| Book Page | 11682/331 |
| Instrument | 2021103903 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2051 |
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $171,094 (+3.3%) | $256,715 (+3.32%) Land $66,932 Building $189,783 | |
| 2025 | $1,659.00 (-19.35%) Homeowner's exemption | $165,622 (+5.99%) | $248,471 (-1.81%) Land $66,932 Building $181,539 |
| 2023 | $2,057.00 (+3.42%) Homeowner's exemption | $156,266 (+3%) | $253,039 (+7.82%) Land $64,332 Building $188,707 |
| 2022 | $1,989.00 Homeowner's exemption | $151,715 | $234,680 Land $67,052 Building $167,628 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
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 |
| 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.
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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