1460 Lucerne Loop Rd NE, Winter Haven, FL 33881 Property Records

Polk County property record for 1460 Lucerne Loop Rd NE, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,248 sqft · built 1981
Lot Size	0.622 acres (27,107 sqft)
Owner	Individual Name on Record
Last Sale	$125,000 (Sep 2019)
Tax Bill	$3,812 (2025)
Deeds & Mortgages	Aug 2019 Mortgage Sep 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-02-522100-000060`

Property Details

APN / Parcel Number

Primary APN	`26-28-02-522100-000060`
Alternative APNs	`022826522100000060` `22826000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,248 sqft Living Area
1st Floor Area	1,248 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	27,107 sqft (0.622 acres)
View / Lot	Commercial/Industrial
Garage Type	Carport
Garage Area	288 sqft
Carport	Carport
Carport Area	288 sqft

Exterior Amenities

Porch	Porch
Porch Area	120 sqft
Shed	1 Shed
Utility Building	168 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1460 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 LOT 6
Legal Range	26E
Legal Township	28S
Legal Section	02
Legal Subdivision	LUCERNE SHORES
Legal Tract	522100
Legal Block	2
Legal Lot Number	6
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	Individual Name on Record
Mailing Address	1470 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9329
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage RICHARD A & CHERYL L DEATS
Sep 5, 2019	Grant Deed, Transfer SERVICELINK
May 8, 2019	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 5, 2019 · Amount on Record
Deed Sale	Sep 5, 2019 · Amount on Record
Prior Sale	Feb 3, 2005 · Amount on Record
Deed Document Number	2019187064
Deed Book / Page	10962 / 2268
Prior Transfer Date	Jul 27, 2006
Prior Transfer Doc	0000200609
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1460 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9329
Document Number	0110370393
Instrument Date	Aug 29, 2019
Transaction Type	Mortgage
Record Updated	Nov 27, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1460 LUCERNE LOOP RD NE WINTER HAVEN FL 338819329, WINTER HAVEN, FL 33881-9329

Mortgage

Document Number	0110370393
Date	Nov 12, 2019
Book Page	011037/000393
Instrument	239065

Lender

Name	RICHARD A & CHERYL L DEATS
Address	4620 DARNELL DR, SEBRING, FL 33872-1714

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	7%

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Sep 5, 2019
Property Address	1460 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9329
Document Number	0109622268
Book / Page	010962 / 002268
Instrument Date	Aug 16, 2019
Instrument	187064
Transaction Type	Transfer
Record Updated	Sep 18, 2019
Title Company	SERVICELINK

Transaction

Amount	Amount Recorded
Tax	$875.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1460 LUCERNE LOOP RD NE WINTER HAVEN FL 338819329, WINTER HAVEN, FL 33881-9329

May 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	POLK FL
Recording Date	May 8, 2019
Property Address	1460 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9329
Document Number	0108351108
Book / Page	010835 / 001108
Instrument Date	Apr 24, 2019
Instrument	94604
Transaction Type	Foreclosure
Record Updated	May 21, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$709.10
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	499 NW 70TH AVE #309 PLANTATION FL 333177574, 309, PLANTATION, FL 33317-7574

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		$204,420 (+0.28%) Land $63,230 Building $141,190	$204,420 (+0.15%) Land $63,230 Building $141,190
2025	$3,812.00 (+6.07%)	$203,852 (-2.15%)	$204,107 (-2.03%) Land $63,230 Building $140,877
2024	$3,594.00 (+5.8%)
2023	$3,397.00 (+7.88%)	$208,332 (+6.42%) Land $60,630 Building $147,702	$208,332 (+6.42%) Land $60,630 Building $147,702
2022	$3,149.00	$195,770 Land $61,128 Building $134,642	$195,770 Land $61,128 Building $134,642

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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