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1490 Lucerne Loop Rd NE, Winter Haven, FL 33881 Property Records

Polk County property record for 1490 Lucerne Loop Rd NE, Winter Haven, FL 33881

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,722 sqft · built 1975
Lot Size0.599 acres (26,071 sqft)
OwnerIndividual Name on File
Last Sale$96,500 (Dec 2002)
Tax Bill$886 (2025)
Deeds & MortgagesMay 2020 Mortgage
Apr 2018 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN26-28-02-522100-000021

Property Details

APN / Parcel Number

Primary APN26-28-02-522100-000021
Alternative APNs
  • 022826522100000021
  • 22826000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,722 sqft Living Area
1st Floor Area1,462 sqft
FlooringCarpet
Interior WallsPaneling

Exterior

Year BuiltBuilt 1975
Effective Year BuiltEffective 1995
Exterior MaterialStucco
Construction TypeWood
Roof TypeGable
Roof MaterialOther
Lot Area26,071 sqft (0.599 acres)
View / LotCommercial/Industrial

Exterior Amenities

PorchFlorida Room
Porch Area278 sqft
Patio Area622 sqft
Shed1 Shed
Utility Building54 sqft

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address1490 LUCERNE LOOP RD NE
CityWINTER HAVEN
StateFL
Zip33881-9329
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR3
Legal DescriptionLUCERNE SHORES PB 39 PG 38 LOTS 2 LESS NWLY 25 FT & NWLY 50 FT OF 3
Legal Range26E
Legal Township28S
Legal Section02
Legal SubdivisionLUCERNE SHORES
Legal Tract522100
Legal Block2
Legal Lot Number2
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2028
Census Tract12804

Owner

Source: Polk County assessment roll, APN 26-28-02-522100-000021, as of June 23, 2026 · Last verified July 2026

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

Owner of RecordIndividual Name on File
Mailing Address1490 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9329
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 20, 2020Quit Claim Deed, Transfer
PROVIDENT FNDG
Apr 11, 2018Deed of Trust, Mortgage · Conventional Mortgage
PROVIDENT FNDG
Feb 26, 2018Quit Claim Deed, Transfer
Quitclaim

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 30, 2002 · Amount on Record
Deed SaleDec 30, 2002 · Amount on Record
Prior SaleApr 25, 1994 · Amount on Record
Deed Book / Page5212 / 1744
Last Transfer DateMay 02, 2020
Transfer Doc0000101227
Record UpdatedSep 20, 2026

May 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionPOLK FL
Recording DateMay 20, 2020
Property Address1490 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9329
Document Number0112392066
Book / Page011239 / 002066
Instrument DateMay 02, 2020
Instrument101227
Transaction TypeTransfer
Record UpdatedJun 12, 2020
Title CompanyOTHER

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1490 LUCERNE LOOP RD NE WINTER HAVEN FL 338819329, WINTER HAVEN, FL 33881-9329

Mortgage

Document Number112392069
DateMay 20, 2020
Book Page011239/002069
Instrument101228
Lender
NamePROVIDENT FNDG
TypeFunding / Finance Company
AddressBURLINGAME, CA 94010
Agreement
AmountAmount Recorded
Term180 Months
DueMay 19, 2035

April 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address1490 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9329
Document Number0104581558
Instrument DateApr 11, 2018
Transaction TypeMortgage
Record UpdatedMay 03, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
Address1490 LUCERNE LOOP RD NE WINTER HAVEN FL 338819329, WINTER HAVEN, FL 33881-9329

Mortgage

Document Number0104581558
DateApr 18, 2018
Book Page010458/001558
Instrument83178
Lender
NamePROVIDENT FNDG
TypeFunding / Finance Company
AddressSAN BRUNO, CA 94066
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueApr 17, 2038

February 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionPOLK FL
Recording DateFeb 26, 2018
Property Address1490 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9329
Document Number0104061105
Book / Page010406 / 001105
Instrument DateFeb 23, 2018
Instrument42322
Transaction TypeTransfer
Record UpdatedMar 08, 2018

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1490 LAKE LUCERNE LOOP RD WINTER HAVEN FL 33881, WINTER HAVEN, FL 33881

Tax Assessment & Valuation

Source: Polk County assessment roll as of June 23, 2026 · Last verified July 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
2025$886.00 (-31.85%) Homeowner's exemption$108,785 (+5.99%)$241,629 (-2.26%) Land $62,453 Building $179,176
2023$1,300.00 (+4.75%) Homeowner's exemption$102,640 (+3%)$247,212 (+9.9%) Land $59,853 Building $187,359
2022$1,241.00 Homeowner's exemption$99,650$224,937 Land $59,885 Building $165,052

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 20 policies
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 Event
  • Hurricane Frances, Sep 2004 · 3 claims
  • Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 2 claims

Wildfire

Wildfire RiskModerate
above 42% of the US · lower than 86% of Florida
Wildfire Likelihood0.08% annual chance
ExposureNone
beyond ember reach

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, 123 locations within half a mile, as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000

May also be available: Frontier, Verizon.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL6532715, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemSWISS VILLAGE MHP
private · serves 1,410 people
Water SourceGroundwater
Last State InspectionSep 2024
Also Mapped HereWINTER HAVEN WATER DEPARTMENT
Lead1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting8
last 3 years

Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.

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