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1440 Lucerne Loop Rd NE, Winter Haven, FL 33881 Property Records

Polk County property record for 1440 Lucerne Loop Rd NE, Winter Haven, FL 33881 · Last verified January 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 4 ba · 2,090 sqft · built 1985
Lot Size0.556 acres (24,237 sqft)
Owner2 Individual Names on File
Last Sale$245,000 (Jul 2017)
Deeds & MortgagesAug 2021 Mortgage
Mar 2021 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN22826000

Property Details

APN / Parcel Number

Primary APN22826000
Alternative APNs
  • 262802522100000100
  • 022826522100000100

Interior

Bedrooms4 Beds
Full Baths4 Baths
Stories1 Story
Building Area2,090 sqft Living Area
Gross Area3,169 sqft
1st Floor Area1,092 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1985
Effective Year BuiltEffective 2000
Architectural StyleOther
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeHip
Roof MaterialShingle
Lot Area24,237 sqft (0.556 acres)
Lot Dimensions315 ft deep x 75 ft wide
Garage Area624 sqft

Exterior Amenities

PorchEnclosed Porch
Porch Area935 sqft
Shed1 Shed
Boat AccessBoat Access

Location & Zoning

Account Number22826000
Old Parcel Number022826522100000100
Street Address1440 LUCERNE LOOP RD NE
CityWINTER HAVEN
StateFL
Zip33881-9329
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLUCERNE SHORES PB 39 PG 38 LOT 10
Legal Range26
Legal Township28
Legal Section02
Legal SubdivisionLUCERNE SHORES
Legal Tract522100
Legal Lot Number10
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2044
Census Tract12804

Owner

Source: Polk County records · APN 22826000

Assessment roll updated July 1, 2025 · Last verified January 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Co-ownerVerified Secondary Owner
Mailing Address1440 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9329
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 24, 2021Deed of Trust, Mortgage · Conventional Mortgage
EMBRACE HOME LOANS INC
Mar 03, 2021Warranty Deed, Transfer · Stand-Alone First Mortgage
D&S INVESTMENT CAPITAL LLC
Jul 11, 2017Warranty Deed, Transfer · Conventional Mortgage
SUNTRUST MTG

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 11, 2017 · Amount on Record
Deed SaleJul 11, 2017 · Amount on Record
Prior SaleOct 08, 2007 · Amount on Record
Deed Document Number2017130701
Deed Book / Page10199 / 2091
Record UpdatedJun 08, 2026

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address1440 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9329
Transaction TypeMortgage
Record UpdatedSep 06, 2021
Title CompanyEQUITY NATIONAL TITLE LLC, EQUITY NATL TTL & CLOSING SV

Transferred To (Grantee/Buyer)

NameVerified Name
Address1440 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9329

Mortgage

Document Number0000219857
DateAug 24, 2021
Book Page11859/1771
Instrument2021219857
Lender
NameEMBRACE HOME LOANS INC
TypeMortgage Company
AddressMIDDLETOWN, RI 02842
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueSep 01, 2036

March 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateMar 03, 2021
Property Address1440 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9329
Document Number0000053694
Book / Page11604 / 112
Map ReferenceMB 39 PG 38
Instrument DateFeb 26, 2021
Instrument2021053694
Transaction TypeTransfer
Record UpdatedDec 23, 2021
Title CompanyEXECUTIVE TITLE/CTRL FL INC, EXECUTIVE TTL OF CTRL FL INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$476.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address425 MACARTHUR DR, 425, ORLANDO, FL 32839-1441

Transferred To (Grantee/Buyer)

NameVerified Name
Address1701 W WETHERBEE RD UNIT 772223, 772223, ORLANDO, FL 32877-7605

Mortgage

Document Number0011604113
DateMar 03, 2021
Instrument11604/113
Lender
NameD&S INVESTMENT CAPITAL LLC
TypeNon-Lending Institution
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded

July 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateJul 11, 2017
Property Address1440 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9329
Document Number0101992091
Book / Page010199 / 002091
Instrument DateJun 29, 2017
Instrument130701
Transaction TypeTransfer
Record UpdatedJul 20, 2017
Title CompanySUNBELT TITLE (AGENCY)

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,715.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1440 LUCERNE LOOP RD NE WINTER HAVEN FL 338819329, WINTER HAVEN, FL 33881-9329

Mortgage

Document Number101992092
DateJul 11, 2017
Book Page010199/002092
Instrument130702
Lender
NameSUNTRUST MTG
TypeMortgage Company
AddressRICHMOND, VA 23224
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJul 10, 2047

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated July 1, 2025 · Last verified January 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
MunicipalityWinter Haven City
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025Homeowner's exemption$247,445 (+5.99%)$350,317 (-1.34%) Land $58,169 Building $292,148
2023Homeowner's exemption$233,467$355,065 Land $55,745 Building $299,320

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050128042, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance CostPremium on Record
median of 20 individual NFIP policies nearby
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies20 in force
Nearby Flood Claims7 (2004–2023)
Claims Outside the SFHA1 of 7
Most Recent ClaimApr 2023, rainfall accumulation
Claims By Storm
  • Hurricane Frances, Sep 2004 · 3 claims
  • Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 2 claims

Wildfire

Wildfire RiskModerate
above 50% of the US · above 20% of Florida
Wildfire LikelihoodAbout 1 in 847 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 508 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
FrontierFiber7,000 / 7,000
SpectrumCable1,000 / 1,000

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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