548 Lucerne Blvd, Winter Haven, FL 33881 Property Records

Polk County property record for 548 Lucerne Blvd, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,019 sqft · built 2018
Lot Size	0.121 acres (5,249 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (Sep 2024)
Tax Bill	$3,961 (2025)
Deeds & Mortgages	Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-28-03-522508-002060`

Property Details

APN / Parcel Number

Primary APN	`26-28-03-522508-002060`
Alternative APNs	`032826522508002060` `32826000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,019 sqft Living Area
Gross Area	2,502 sqft
1st Floor Area	750 sqft
Upper Floors Area	1,269 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	5,249 sqft (0.121 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	483 sqft
Porch	Unfinished Open Porch
Porch Area	36 sqft

Location & Zoning

Street Address	548 LUCERNE BLVD
City	WINTER HAVEN
State	FL
Zip	33881-0708
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKES AT LUCERNE PARK PHASE FOUR PB 154 PG 27-28 BLOCK B LOT 6
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	B
Legal Lot Number	6
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2045
Census Tract	12803

Owner

548 Lucerne Blvd is owned and occupied by two individuals who bought it in September 2024.

Source: Polk County records, as of September 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	548 LUCERNE BLVD, WINTER HAVEN, FL 33881-0708
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2024 · Amount on File
Deed Sale	Sep 10, 2024 · Amount on File
Prior Sale	Aug 29, 2018 · Amount on File
Deed Document Number	2024208355
Deed Book / Page	13259 / 1354
Prior Transfer Date	Aug 28, 2024
Prior Transfer Doc	0000208355
Record Updated	Oct 29, 2026

August 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Aug 29, 2018
Property Address	548 LUCERNE BLVD, WINTER HAVEN, FL 33881-0708
Document Number	0105960857
Book / Page	010596 / 000857
Instrument Date	Aug 27, 2018
Instrument	184255
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 17, 2018
Title Company	NVR SETTLEMENT SERVICES INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,435.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4307 VINELAND RD #H16 ORLANDO FL 328117374, H16, ORLANDO, FL 32811-7374

Mortgage

Document Number	105960859
Date	Aug 29, 2018
Book Page	010596/000859
Instrument	184256

Lender

Name	NVR MTG FIN
Type	Mortgage Company
Address	CANONSBURG, PA 15317

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 28, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 548 Lucerne Blvd was $3,961 with a homeowner's exemption.

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		$233,741 (-7.17%) Land $39,000 Building $194,741	$233,741 (-7.17%) Land $39,000 Building $194,741
2025	$3,961.00 Homeowner's exemption	$251,799 Land $39,000 Building $212,799	$251,799 Land $39,000 Building $212,799
2023	$2,531.00 (+2.97%) Homeowner's exemption	$174,444 (+3%)	$260,749 (+25.79%) Land $38,000 Building $222,749
2022	$2,458.00 Homeowner's exemption	$169,363	$207,290 Land $32,000 Building $175,290

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 548 Lucerne Blvd in Zone X, an area of minimal flood risk, within 100 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 AE, within 100 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

Wildfire risk around 548 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.

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 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