1470 Lucerne Loop Rd NE, Winter Haven, FL 33881 Property Records

Polk County property record for 1470 Lucerne Loop Rd NE, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,690 sqft · built 1992
Lot Size	0.753 acres (32,818 sqft)
Owner	2 Individual Names on Record
Last Sale	$85,000 (May 2023)
Tax Bill	$5,056 (2025)
Deeds & Mortgages	May 2023 Sale Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-28-02-522100-000050`

Property Details

APN / Parcel Number

Primary APN	`26-28-02-522100-000050`
Alternative APNs	`022826522100000050` `22826000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,690 sqft Living Area
Gross Area	3,482 sqft
1st Floor Area	2,690 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Tile
Lot Area	32,818 sqft (0.753 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	792 sqft

Exterior Amenities

Porch	Screened/Unfinished Porch
Porch Area	880 sqft
Patio Area	450 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1470 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 5
Legal Range	26E
Legal Township	28S
Legal Section	02
Legal Subdivision	LUCERNE SHORES
Legal Tract	522100
Legal Block	2
Legal Lot Number	5
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	1470 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9329
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2023	Quit Claim Deed, Transfer Quitclaim
Nov 10, 2020	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2023 · Amount on Record
Deed Sale	May 18, 2023 · Amount on Record
Prior Sale	Nov 10, 2020 · Amount on Record
Deed Document Number	2023116794
Deed Book / Page	12696 / 1599
Prior Transfer Date	May 17, 2023
Prior Transfer Doc	0000116794
Record Updated	Oct 29, 2026

May 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK FL
Recording Date	May 18, 2023
Property Address	1470 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9329
Document Number	0000116794
Book / Page	12696 / 1599
Map Reference	MB 39 PG 38
Instrument Date	May 17, 2023
Instrument	2023116794
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Tax	$595.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	420 N 14TH ST, HAINES CITY, FL 33844-4416

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 312, HAINES CITY, FL 33845-0312

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Nov 10, 2020
Property Address	1470 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9329
Document Number	0114510046
Book / Page	011451 / 000046
Instrument Date	Nov 6, 2020
Instrument	241027
Transaction Type	Transfer
Record Updated	Nov 26, 2020
Title Company	COVENANT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,470.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1470 LUCERNE LOOP RD NE WINTER HAVEN FL 338819329, WINTER HAVEN, FL 33881-9329

Mortgage

Document Number	114510048
Date	Nov 10, 2020
Book Page	011451/000048
Instrument	241028

Lender

Name	CROSSCOUNTRY MTG
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 9, 2050

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		$322,363 (+2.7%)	$439,926 (+0.65%) Land $67,514 Building $372,412
2025	$5,056.00 (+3.1%)	$313,888 (+5.99%)	$437,090 (-3.95%) Land $67,514 Building $369,576
2024	$4,904.00 (+2.51%)
2023	$4,784.00 (+2.73%) Homeowner's exemption	$296,157 (+3%)	$455,061 (+10.4%) Land $64,914 Building $390,147
2022	$4,657.00 Homeowner's exemption	$287,531	$412,188 Land $67,982 Building $344,206

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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