Polk County property record for 531 Lucerne Blvd, Winter Haven, FL 33881
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,295 sqft · built 2022 |
| Lot Size | 0.117 acres (5,110 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $324,500 (Feb 2022) |
| Tax Bill | $3,132 (2025) |
| Deeds & Mortgages | Feb 2022 Sale & Mortgage Aug 2021 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-03-522508-005030 |
| Primary APN | 26-28-03-522508-005030 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,295 sqft Living Area |
| Gross Area | 2,736 sqft |
| 1st Floor Area | 927 sqft |
| Upper Floors Area | 1,368 sqft |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 5,110 sqft (0.117 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Porch | Unfinished Open Porch |
| Street Address | 531 LUCERNE BLVD |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33881-0729 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKES AT LUCERNE PARK PHASE FOUR PB 154 PG 27-28 BLOCK E LOT 3 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 03 |
| Legal Subdivision | LAKES AT LUCERNE PARK PHASE FOUR |
| Legal Phase | 4 |
| Legal Tract | 522508 |
| Legal Block | E |
| Legal Lot Number | 3 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 12803 |
531 Lucerne Blvd is owned and occupied by two individuals who bought it in February 2022.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 531 LUCERNE BLVD, WINTER HAVEN, FL 33881-0729 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 25, 2022 | Special Warranty Deed, Transfer · Conventional Mortgage NVR MORTGAGE FINANCE INC |
| Aug 13, 2021 | Special Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Dec 22, 2017 | Grant Deed, Transfer ATTORNEY ONLY |
| Dec 22, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 25, 2022 · Amount on File |
| Deed Sale | Feb 25, 2022 · Amount on File |
| Prior Sale | Aug 13, 2021 · Amount on File |
| Deed Document Number | 202252164 |
| Deed Book / Page | 12134 / 1121 |
| Prior Transfer Date | Dec 21, 2017 |
| Prior Transfer Doc | 0000246807 |
| Record Updated | Oct 29, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Feb 25, 2022 |
| Property Address | 531 LUCERNE BLVD, WINTER HAVEN, FL 33881-0729 |
| Document Number | 0000052164 |
| Book / Page | 12134 / 1121 |
| Map Reference | MB 154 PG 27&28 |
| Instrument Date | Feb 24, 2022 |
| Instrument | 2022052164 |
| Transaction Type | Transfer |
| Record Updated | Feb 23, 2023 |
| Title Company | NVR SETTLEMENT SERVICES INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,271.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4307 VINELAND RD # RDH16, RDH16, ORLANDO, FL 32811-7178 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 531 LUCERNE BLVD, WINTER HAVEN, FL 33881-0729 |
| Document Number | 0121341123 |
|---|---|
| Date | Feb 25, 2022 |
| Instrument | 12134/1123 |
| Name | NVR MORTGAGE FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 13, 2021 |
| Property Address | 531 LUCERNE BLVD, WINTER HAVEN, FL 33881-0729 |
| Document Number | 0000211901 |
| Book / Page | 11847 / 1598 |
| Map Reference | MB 154 PG 27&28 |
| Instrument Date | Aug 11, 2021 |
| Instrument | 2021211901 |
| Transaction Type | Transfer |
| Record Updated | Feb 23, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Tax | $840.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 210 HANGAR RD, KISSIMMEE, FL 34741-4534 |
| Name | Verified Name |
|---|---|
| Address | 4307 VINELAND RD STE H20, H20, ORLANDO, FL 32811-7374 |
| Investor | Possibly a Property Investor |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Dec 22, 2017 |
| Property Address | 531 LUCERNE BLVD, WINTER HAVEN, FL 33881-0729 |
| Document Number | 0103490453 |
| Book / Page | 010349 / 000453 |
| Instrument Date | Dec 21, 2017 |
| Instrument | 246806 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $519.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 210 S HOAGLAND BLVD KISSIMMEE FL 347414534, KISSIMMEE, FL 34741-4534 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Dec 22, 2017 |
| Property Address | 531 LUCERNE BLVD, WINTER HAVEN, FL 33881-0729 |
| Document Number | 0103490456 |
| Book / Page | 010349 / 000456 |
| Instrument Date | Dec 21, 2017 |
| Instrument | 246807 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 210 S HOAGLAND BLVD KISSIMMEE FL 347414534, KISSIMMEE, FL 34741-4534 |
The 2025 property tax bill for 531 Lucerne Blvd was $3,132 with a homeowner's exemption.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $213,882 (+2.7%) | $262,866 (-6.53%) Land $39,000 Building $223,866 | |
| 2025 | $3,132.00 Homeowner's exemption | $208,259 | $281,229 Land $39,000 Building $242,229 |
| 2023 | $2,956.00 (+376.01%) Homeowner's exemption | $196,495 (+514.05%) | $289,294 (+804.04%) Land $38,000 Building $251,294 |
| 2022 | $621.00 | $32,000 Land $32,000 | $32,000 Land $32,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 531 Lucerne Blvd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 8 in force |
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 risk around 531 Lucerne Blvd is moderate, ranking above 60% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 60% of the US · lower than 65% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 71 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 |
| Verizon Fixed Wireless | 300 / 20 |
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