1396 Lucerne Loop Rd NE, Winter Haven, FL 33881 Property Records

Polk County property record for 1396 Lucerne Loop Rd NE, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,371 sqft · built 2005
Lot Size	0.82 acres (35,706 sqft)
Owner	2 Individual Names on Record
Last Sale	$530,000 (Jul 2025)
Tax Bill	$7,382 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-28-02-522100-000160`

Property Details

APN / Parcel Number

Primary APN	`26-28-02-522100-000160`
Alternative APNs	`022826522100000160` `22826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,371 sqft Living Area
Gross Area	2,854 sqft
1st Floor Area	2,371 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2015
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	35,706 sqft (0.82 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	483 sqft

Exterior Amenities

Pool Type	Enclosed Pool
Porch	Finished/Open Porch
Porch Area	163 sqft
Shed	1 Shed

Location & Zoning

Street Address	1396 LUCERNE LOOP RD NE
City	WINTER HAVEN
State	FL
Zip	33881-9680
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	LUCERNE SHORES PB 39 PG 38 LOT 16 & NELY1/2 OF VACATED B STREET LYING SWLY OF SAME
Legal Range	26E
Legal Township	28S
Legal Section	02
Legal Subdivision	LUCERNE SHORES
Legal Tract	522100
Legal Block	2
Legal Lot Number	16
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2044
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	1396 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9680
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2022	Warranty Deed, Transfer · Conventional Mortgage NAVY FCU
May 10, 2021	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2025 · Amount on Record
Deed Sale	Jul 30, 2025 · Amount on Record
Prior Sale	Jun 17, 2022 · Amount on Record
Deed Document Number	2025178069
Deed Book / Page	13644 / 1602
Record Updated	Oct 29, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jun 17, 2022
Property Address	1396 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9680
Document Number	0000166778
Book / Page	12302 / 1059
Map Reference	MB 39 PG 38
Instrument Date	Jun 10, 2022
Instrument	2022166778
Transaction Type	Transfer
Record Updated	Jun 30, 2022
Title Company	SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,053.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1396 LUCERNE LOOP RD NE, 1396, WINTER HAVEN, FL 33881-9680

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1396 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9680

Mortgage

Document Number	0123021060
Date	Jun 17, 2022
Instrument	12302/1060

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Jul 1, 2027
Change Frequency	5 Years
Min Rate At Change	2%
Max Rate At Change	9%
Index	5-Year CMT
Margin	2
Max Rate	9%

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	May 10, 2021
Property Address	1396 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9680
Document Number	0000121314
Book / Page	11708 / 1929
Map Reference	MB 39 PG 38
Instrument Date	Apr 30, 2021
Instrument	2021121314
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	NOT AVAILABLE, ABODE TITLE INSURANCE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,975.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1396 LUCERNE LOOP RD NE, 1396, WINTER HAVEN, FL 33881-9680

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	711 SHEFFIELD DR, LAKELAND, FL 33810

Mortgage

Document Number	0117081931
Date	May 10, 2021
Instrument	11708/1931

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2041

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		$399,384 (-1.35%) Land $69,680 Building $329,704	$399,384 (-1.35%) Land $69,680 Building $329,704
2025	$7,382.00	$404,836 (-3.36%) Land $69,680 Building $335,156	$404,836 (-3.36%) Land $69,680 Building $335,156
2023	Homeowner's exemption	$418,908 Land $67,080 Building $351,828	$418,908 Land $67,080 Building $351,828

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	SWISS VILLAGE MHP private · serves 1,410 people · EPA ID FL6532715
Water Source	Groundwater
Last State Inspection	Sep 2024
Also Mapped Here	WINTER HAVEN WATER DEPARTMENT
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	8 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. The service area is an EPA estimate; the actual supplier may differ.

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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