1380 Lucerne Loop Rd NE, Winter Haven, FL 33881 Property Records

Polk County property record for 1380 Lucerne Loop Rd NE, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,366 sqft · built 1959
Lot Size	0.552 acres (24,041 sqft)
Owner	Individual Name on File
Last Sale	$283,000 (Feb 2026)
Tax Bill	$3,632 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-28-02-522100-000200`

Property Details

APN / Parcel Number

Primary APN	`26-28-02-522100-000200`
Alternative APNs	`022826522100000200` `22826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,366 sqft Living Area
Gross Area	1,726 sqft
1st Floor Area	1,366 sqft
Flooring	Tile
Interior Walls	Paneling

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Other
Lot Area	24,041 sqft (0.552 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	360 sqft

Exterior Amenities

Porch	Enclosed/Unfinished Porch
Porch Area	1,002 sqft
Shed	1 Shed
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	1380 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 20
Legal Range	26E
Legal Township	28S
Legal Section	02
Legal Subdivision	LUCERNE SHORES
Legal Tract	522100
Legal Block	2
Legal Lot Number	20
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2045
Census Tract	12804

Owner

Source: Polk County records · APN 26-28-02-522100-000200

Assessment roll updated June 23, 2026 · Last verified July 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 File
Mailing Address	1380 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9680
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 27, 2026 · Amount on Record
Deed Sale	Feb 27, 2026 · Amount on Record
Prior Sale	Nov 13, 2015 · Amount on Record
Deed Document Number	202649470
Deed Book / Page	13899 / 1595
Record Updated	Sep 20, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Feb 27, 2026
Property Address	1380 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9680
Document Number	0000049470
Book / Page	13899 / 1595
Map Reference	MB 39 PG 38
Instrument Date	Feb 20, 2026
Instrument	2026049470
Transaction Type	Transfer
Record Updated	Mar 18, 2026
Title Company	INTEGRITY FIRST TITLE, INTEGRITY FIRST TTL WINTER H

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,981.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	27016 POPIEL RD, BROOKSVILLE, FL 34602-7144

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1380 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9680

Mortgage

Document Number	0138991597
Date	Feb 27, 2026
Instrument	13899/1597

Lender

Name	KIND LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2056

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,632.00 (-14.62%)	$274,024 (-1.84%) Land $57,698 Building $216,326	$274,024 (-1.84%) Land $57,698 Building $216,326
2023	$4,254.00 (+77.77%)	$279,147 (+54.04%) Land $55,294 Building $223,853	$279,147 (+13.61%) Land $55,294 Building $223,853
2022	$2,393.00 Homeowner's exemption	$181,212	$245,698 Land $55,294 Building $190,404

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), as of October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050128042, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Moderate above 50% of the US · lower than 79% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Frontier, Verizon.

Based on FCC filings for 123 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL6531992, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	WINTER HAVEN WATER DEPARTMENT serves 87,537 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.