1392 Lucerne Loop Rd NE, Winter Haven, FL 33881 Property Records

Polk County property record for 1392 Lucerne Loop Rd NE, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,250 sqft · built 2012
Lot Size	0.774 acres (33,698 sqft)
Owner	2 Individual Names on Record
Last Sale	$165,000 (Dec 2016)
Tax Bill	$3,232 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-02-522100-000190`

Property Details

APN / Parcel Number

Primary APN	`26-28-02-522100-000190`
Alternative APNs	`022826522100000190` `22826000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,250 sqft Living Area
1st Floor Area	1,250 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	33,698 sqft (0.774 acres)
View / Lot	Commercial/Industrial
Garage Type	Detached
Garage Area	1,200 sqft
Pool House	Pool House
Shed	1 Shed

Location & Zoning

Street Address	1392 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 19 & W 30 FT OF LOT 18
Legal Range	26E
Legal Township	28S
Legal Section	02
Legal Subdivision	LUCERNE SHORES
Legal Tract	522100
Legal Block	2
Legal Lot Number	19,18
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2045
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	2 Individual Names on Record
Mailing Address	1392 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9680
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2025	Deed of Trust, Mortgage · Conventional Mortgage NATIONS LENDING CORP
Jun 14, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage NATIONS LENDING CORP
Mar 26, 2019	Loan Modification, Mortgage · FHA Mortgage ROUNDPOINT MTG SVCNG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 7, 2016 · Amount on Record
Deed Sale	Dec 7, 2016 · Amount on Record
Prior Sale	Mar 10, 2006 · Amount on Record
Deed Document Number	2016220930
Deed Book / Page	10005 / 1085
Last Transfer Date	Jun 2, 2021
Transfer Doc	0000153443
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1392 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9680
Transaction Type	Mortgage
Record Updated	Dec 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1392 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9680

Mortgage

Document Number	0000284651
Date	Dec 4, 2025
Book Page	13799/850
Instrument	2025284651

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company
Address	INDEPENDENCE, OH 44131

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	Jun 14, 2021
Property Address	1392 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9680
Document Number	0000153443
Book / Page	11758 / 306
Map Reference	MB 39 PG 38
Instrument Date	Jun 2, 2021
Instrument	2021153443
Transaction Type	Transfer
Record Updated	Jun 25, 2021
Title Company	ALL FL PROFESSIONAL TTL LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1392 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9680

Mortgage

Document Number	0011758307
Date	Jun 14, 2021
Instrument	11758/307

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

March 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK FL
Property Address	1392 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9680
Document Number	0108051334
Instrument Date	Mar 26, 2019
Transaction Type	Mortgage
Record Updated	Apr 23, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1392 LUCERNE LOOP RD NE WINTER HAVEN FL 338819680, WINTER HAVEN, FL 33881-9680

Mortgage

Document Number	0108051334
Date	Apr 10, 2019
Book Page	010805/001334
Instrument	72365

Lender

Name	ROUNDPOINT MTG SVCNG
Type	Mortgage Company
Address	CHARLOTTE, NC 28217

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 9, 2049

Interest

Rate	5%

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		$257,635 (+5.65%) Land $68,174 Building $189,461	$257,635 (+5.65%) Land $68,174 Building $189,461
2025	$3,232.00 (-9.85%)	$243,854 (-2.52%) Land $68,174 Building $175,680	$243,854 (-2.52%) Land $68,174 Building $175,680
2023	$3,585.00 (+5.97%)	$250,170 (+4.47%) Land $65,574 Building $184,596	$250,170 (+4.47%) Land $65,574 Building $184,596
2022	$3,383.00	$239,467 Land $69,038 Building $170,429	$239,467 Land $69,038 Building $170,429

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	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 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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