1398 Lucerne Loop Rd NE, Winter Haven, FL 33881 Property Records

Polk County property record for 1398 Lucerne Loop Rd NE, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,498 sqft · built 1985
Lot Size	0.525 acres (22,852 sqft)
Owner	Individual Name on Record
Last Sale	$84,000 (Jun 2013)
Tax Bill	$2,472 (2025)
Deeds & Mortgages	Oct 2025 Transfer Nov 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-02-522100-000150`

Property Details

APN / Parcel Number

Primary APN	`26-28-02-522100-000150`
Alternative APNs	`022826522100000150` `22826000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,498 sqft Living Area
Gross Area	1,774 sqft
1st Floor Area	1,498 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Hip
Roof Material	Other
Lot Area	22,852 sqft (0.525 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	276 sqft
Porch	Patio
Porch Area	276 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1398 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 15
Legal Range	26E
Legal Township	28S
Legal Section	02
Legal Subdivision	LUCERNE SHORES
Legal Tract	522100
Legal Block	2
Legal Lot Number	15
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 July 20, 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	1398 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9680
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2025	Intrafamily Transfer, Transfer
Nov 10, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK & TRUST
Aug 31, 2021	Deed of Trust, Mortgage · VA Mortgage CITIZENS BANK & TRUST
Sep 20, 2017	Deed of Trust, Mortgage · VA Mortgage JG WENTWORTH HM LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 10, 2013 · Amount on Record
Deed Sale	Jun 10, 2013 · Amount on Record
Prior Sale	Sep 2, 2005 · Amount on Record
Deed Document Number	2013107731
Deed Book / Page	8978 / 1908
Last Transfer Date	Sep 27, 2025
Transfer Doc	0000232576
Record Updated	Sep 20, 2026

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	Oct 3, 2025
Property Address	1398 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9680
Document Number	0000232576
Book / Page	13722 / 1757
Map Reference	MB 39 PG 38
Instrument Date	Sep 27, 2025
Instrument	2025232576
Transaction Type	Transfer
Record Updated	Oct 28, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	903 EAGLE POND DR, WINTER HAVEN, FL 33884-1214

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1398 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9680

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1398 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9680
Transaction Type	Mortgage
Record Updated	Nov 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000293879
Date	Nov 10, 2021
Book Page	11976/1616
Instrument	2021293879

Lender

Name	CITIZENS BANK & TRUST
Type	Bank
Address	FROSTPROOF, FL 33843

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1398 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9680
Transaction Type	Mortgage
Record Updated	Sep 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000227753
Date	Aug 31, 2021
Book Page	11872/472
Instrument	2021227753

Lender

Name	CITIZENS BANK & TRUST
Type	Bank
Address	FROSTPROOF, FL 33843

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1398 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9680
Document Number	0102680945
Book / Page	010268 / 000945
Instrument Date	Sep 20, 2017
Transaction Type	Mortgage
Record Updated	Oct 16, 2017
Title Company	RIDGE SECURITY TITLE INC, RIDGE SEC TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1398 LUCERNE LOOP RD NE WINTER HAVEN FL 338819680, WINTER HAVEN, FL 33881-9680

Mortgage

Document Number	0102680945
Date	Sep 26, 2017
Book Page	010268/000945
Instrument	183082

Lender

Name	JG WENTWORTH HM LNDG
Address	WOODBRIDGE, VA 22192

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 25, 2047

Tax Assessment & Valuation

Source: Polk County assessment roll, as of June 23, 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
2025	$2,472.00 (+3.39%) Homeowner's exemption	$175,672 (+2.9%)	$238,820 (-2.62%) Land $54,845 Building $183,975
2024	$2,391.00 (+3.02%) Homeowner's exemption	$170,721 (+3%)	$245,237 (+0.07%) Land $54,845 Building $190,392
2023	$2,321.00 (+4.08%) Homeowner's exemption	$165,749 (+3.63%)	$245,054 (+8.35%) Land $52,560 Building $192,494
2022	$2,230.00 Homeowner's exemption	$159,950	$226,174 Land $52,560 Building $173,614

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.

Nearby Properties on Lucerne Loop Rd NE

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures