1477 Lucerne Loop Rd NE, Winter Haven, FL 33881 Property Records

Polk County property record for 1477 Lucerne Loop Rd NE, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,746 sqft · built 2019
Lot Size	0.148 acres (6,429 sqft)
Owner	Individual Name on Record
Last Sale	$270,000 (Apr 2026)
Tax Bill	$4,466 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-28-02-522102-000550`

Property Details

APN / Parcel Number

Primary APN	`26-28-02-522102-000550`
Alternative APNs	`022826522102000550` `22826000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,746 sqft Living Area
Gross Area	2,187 sqft
1st Floor Area	1,746 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Other
Lot Area	6,429 sqft (0.148 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	441 sqft
Porch	Slab
Porch Area	140 sqft

Location & Zoning

Street Address	1477 LUCERNE LOOP RD NE
City	WINTER HAVEN
State	FL
Zip	33881-9302
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUCERNE PARK PB 171 PGS 1-4 LOT 55
Legal Range	26E
Legal Township	28S
Legal Section	02
Legal Subdivision	LUCERNE PARK
Legal Block	2
Legal Lot Number	55
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2019
Census Tract	12804

Owner

Source: Polk County records, as of October 13, 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	1477 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9302
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 7, 2026 · Amount on Record
Deed Sale	Apr 7, 2026 · Amount on Record
Deed Document Number	202680641
Deed Book / Page	13946 / 586
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 7, 2026
Property Address	1477 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9302
Document Number	0000080641
Book / Page	13946 / 586
Instrument Date	Mar 27, 2026
Instrument	202680641
Transaction Type	Transfer
Record Updated	Apr 21, 2026
Title Company	INTERNATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$190,890.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1477 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9302

Mortgage

Document Number	0000080642,
Date	Apr 7, 2026
Instrument	202680642

Lender

Name	PLAZA HOME MORTGAGE INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate	6.01%
Max Rate	-1%

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		$223,306 (-6.52%) Land $50,000 Building $173,306	$223,306 (-6.52%) Land $50,000 Building $173,306
2025	$4,466.00 (-6.94%)	$238,882 (-8.66%) Land $50,000 Building $188,882	$238,882 (-8.66%) Land $50,000 Building $188,882
2024	$4,799.00 (-2.83%)
2023	$4,939.00 (+8.45%)	$261,522 (+9.26%) Land $48,000 Building $213,522	$261,522 (+9.26%) Land $48,000 Building $213,522
2022	$4,554.00	$239,363 Land $40,000 Building $199,363	$239,363 Land $40,000 Building $199,363

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 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.06% 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	WINTER HAVEN WATER DEPARTMENT serves 87,537 people · EPA ID FL6531992
Water Source	Groundwater
Last State Inspection	Dec 2021
Lead	7 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Sep 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	16 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.

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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