1394 Lucerne Loop Rd NE, Winter Haven, FL 33881 Property Records

Polk County property record for 1394 Lucerne Loop Rd NE, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,050 sqft · built 1981
Lot Size	1.29 acres (56,280 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Mar 2016)
Tax Bill	$618 (2024)
Deeds & Mortgages	Oct 2020 Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-02-522100-000170`

Property Details

APN / Parcel Number

Primary APN	`26-28-02-522100-000170`
Alternative APNs	`022826522100000170` `22826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,050 sqft Living Area
Gross Area	2,554 sqft
1st Floor Area	2,050 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	56,280 sqft
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	504 sqft

Exterior Amenities

Pool House	Pool House
Porch	Screened/Unfinished Porch
Porch Area	277 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1394 LUCERNE LOOP RD NE
City	WINTER HAVEN
State	FL
Zip	33881-9680
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LUCERNE SHORES PB 39 PG 38 LOT 17 ALL & LOT 18 LESS W 30 FT & SWLY 1/2 OF VACATED B STREET LYING NELY OF LOT 17
Legal Range	26E
Legal Township	28S
Legal Section	02
Legal Subdivision	LUCERNE SHORES
Legal Tract	522100
Legal Block	2
Legal Lot Number	17,18
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	Individual Name on Record
Mailing Address	1394 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9680
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC
Sep 24, 2019	Deed of Trust, Mortgage · VA Mortgage PENNYMAC
Aug 22, 2018	Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 17, 2016 · Amount on Record
Deed Sale	Mar 17, 2016 · Amount on Record
Prior Sale	Nov 9, 2011 · Amount on Record
Deed Document Number	201646843
Deed Book / Page	9771 / 147
Prior Transfer Date	Feb 28, 2008
Prior Transfer Doc	0000048550
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1394 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9680
Document Number	0114380199
Instrument Date	Oct 12, 2020
Transaction Type	Mortgage
Record Updated	Nov 16, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1394 LUCERNE LOOP RD NE WINTER HAVEN FL 338819680, WINTER HAVEN, FL 33881-9680

Mortgage

Document Number	0114380199
Date	Oct 30, 2020
Book Page	011438/000199
Instrument	232660

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 29, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1394 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9680
Document Number	0109931018
Instrument Date	Sep 24, 2019
Transaction Type	Mortgage
Record Updated	Oct 16, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1394 LUCERNE LOOP RD NE WINTER HAVEN FL 338819680, WINTER HAVEN, FL 33881-9680

Mortgage

Document Number	0109931018
Date	Oct 2, 2019
Book Page	010993/001018
Instrument	209125

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1394 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9680
Document Number	0105931827
Instrument Date	Aug 22, 2018
Transaction Type	Mortgage
Record Updated	Sep 14, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1394 LUCERNE LOOP RD NE WINTER HAVEN FL 338819680, WINTER HAVEN, FL 33881-9680

Mortgage

Document Number	0105931827
Date	Aug 27, 2018
Book Page	010593/001827
Instrument	182384

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 26, 2048

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		$229,904 (+2.7%)	$344,619 (+1.07%) Land $85,110 Building $259,509
2025		$223,860 (+5.99%)	$340,972 (-1.25%) Land $85,110 Building $255,862
2024	$618.00 (+30.38%)
2023	$474.00 (+6.76%) Homeowner's exemption	$211,215 (+3%)	$345,290 (+3.63%) Land $82,510 Building $262,780
2022	$444.00 Homeowner's exemption	$205,063	$333,180 Land $96,136 Building $237,044

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 508 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 / 1,000

May also be available: Verizon.

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