1420 Lucerne Loop Rd NE, Winter Haven, FL 33881 Property Records

Polk County property record for 1420 Lucerne Loop Rd NE, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,030 sqft · built 2003
Lot Size	1.16 acres (50,865 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,000 (Jan 2015)
Tax Bill	$3,458 (2025)
Deeds & Mortgages	Jun 2020 Mortgage May 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`26-28-02-522100-000110`

Property Details

APN / Parcel Number

Primary APN	`26-28-02-522100-000110`
Alternative APNs	`022826522100000110` `22826000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,030 sqft Living Area
Gross Area	3,720 sqft
1st Floor Area	1,170 sqft
Upper Floors Area	1,860 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Other
Lot Area	50,865 sqft
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	690 sqft

Exterior Amenities

Porch	Unfinished Open Porch
Porch Area	496 sqft
Patio Area	650 sqft
Shed	1 Shed

Location & Zoning

Street Address	1420 LUCERNE LOOP RD NE
City	WINTER HAVEN
State	FL
Zip	33881-9329
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	LUCERNE SHORES PB 39 PG 38 LOTS 11 & 12
Legal Range	26E
Legal Township	28S
Legal Section	02
Legal Subdivision	LUCERNE SHORES
Legal Tract	522100
Legal Block	2
Legal Lot Number	11,12
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	1420 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9329
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage GTE FIN'L
May 1, 2017	Deed of Trust, Mortgage · Line of Credit GTE FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 6, 2015 · Amount on Record
Deed Sale	Jan 6, 2015 · Amount on Record
Prior Sale	Apr 4, 2014 · Amount on Record
Deed Document Number	20151473
Deed Book / Page	9422 / 1539
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1420 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9329
Document Number	0112940422
Instrument Date	Jun 29, 2020
Transaction Type	Mortgage
Record Updated	Jul 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1420 LUCERNE LOOP RD NE WINTER HAVEN FL 338819329, WINTER HAVEN, FL 33881-9329

Mortgage

Document Number	0112940422
Date	Jul 10, 2020
Book Page	011294/000422
Instrument	137805

Lender

Name	GTE FIN'L
Type	Funding / Finance Company
Address	TAMPA, FL 33602

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 9, 2050

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1420 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9329
Document Number	0101390608
Book / Page	010139 / 000608
Instrument Date	May 1, 2017
Transaction Type	Mortgage
Record Updated	Jun 26, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1420 LUCERNE LOOP RD NE WINTER HAVEN FL 338819329, WINTER HAVEN, FL 33881-9329

Mortgage

Document Number	0101390608
Date	May 5, 2017
Book Page	010139/000608
Instrument	86466

Lender

Name	GTE FCU
Type	Credit Union
Address	TAMPA, FL 33602

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	May 4, 2032

Interest

Rate Type	Adjustable Rate

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		$234,581 (+2.7%)	$407,091 (+2.02%) Land $81,049 Building $326,042
2025	$3,458.00 (+6.04%) Homeowner's exemption	$228,414 (+5.99%)	$399,015 (-2.21%) Land $81,049 Building $317,966
2023	$3,261.00 (+2.97%) Homeowner's exemption	$215,512 (+3%)	$408,044 (+16.74%) Land $78,449 Building $329,595
2022	$3,167.00 Homeowner's exemption	$209,235	$349,544 Land $89,638 Building $259,906

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 100 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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