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549 Lucerne Blvd, Winter Haven, FL 33881 Property Records

Polk County property record for 549 Lucerne Blvd, Winter Haven, FL 33881

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,527 sqft · built 2016
Lot Size0.114 acres (4,948 sqft)
OwnerIndividual Name on File
Last Sale$234,500 (Oct 2020)
Deeds & MortgagesDec 2021 Mortgage
Oct 2020 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN26-28-03-522508-005060

Property Details

APN / Parcel Number

Primary APN26-28-03-522508-005060
Alternative APNs
  • 032826522508005060
  • 32826000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories2 Stories
Building Area2,527 sqft Living Area
Gross Area2,967 sqft
1st Floor Area1,159 sqft
Upper Floors Area1,368 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2016
Effective Year BuiltEffective 2016
Exterior MaterialStucco
Construction TypeConcrete Block
Foundation TypeConcrete
Roof TypeHip
Roof MaterialOther
Lot Area4,948 sqft (0.114 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area440 sqft
PorchUnfinished Open Porch
Porch Area120 sqft

Location & Zoning

Street Address549 LUCERNE BLVD
CityWINTER HAVEN
StateFL
Zip33881-0729
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLAKES AT LUCERNE PARK PHASE FOUR PB 154 PG 27-28 BLOCK E LOT 6
Legal Range26E
Legal Township28S
Legal Section03
Legal SubdivisionLAKES AT LUCERNE PARK PHASE FOUR
Legal Phase4
Legal Tract522508
Legal BlockE
Legal Lot Number6
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2030
Census Tract12803

Owner

549 Lucerne Blvd is owned and occupied by an individual who bought it in October 2020.

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

Owner of RecordIndividual Name on File
Mailing Address549 LUCERNE BLVD, WINTER HAVEN, FL 33881-0729
OccupancyOwner Occupied
Owner TypeIndividual

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

Deeds, Mortgages & Sale History

DateDocument
Dec 1, 2021Deed of Trust, Mortgage · VA Mortgage
MORTGAGE RESEARCH CENTER LLC
Oct 14, 2020Warranty Deed, Transfer · VA Mortgage
VETERANS UNITED HM LNS
Aug 17, 2018Deed of Trust, Mortgage · VA Mortgage
PENNYMAC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 14, 2020 · Amount on File
Deed SaleOct 14, 2020 · Amount on File
Prior SaleOct 4, 2016 · Amount on File
Deed Document Number2020217199
Deed Book / Page11413 / 1933
Record UpdatedOct 29, 2026

December 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address549 LUCERNE BLVD, WINTER HAVEN, FL 33881-0729
Transaction TypeMortgage
Record UpdatedDec 16, 2021
Title CompanyFIDELITY NATIONAL TITLE-OR, FIDELITY NATIONAL TTL OF OR

Transferred To (Grantee/Buyer)

NameVerified Name
Address549 LUCERNE BLVD, WINTER HAVEN, FL 33881-0729

Mortgage

Document Number0000311528
DateDec 1, 2021
Book Page12004/1295
Instrument2021311528
Lender
NameMORTGAGE RESEARCH CENTER LLC
TypeMortgage Company
AddressCOLUMBIA, MO 65203
Agreement
TypeVA Mortgage
AmountAmount on Record
Term120 Months
DueDec 1, 2031

October 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateOct 14, 2020
Property Address549 LUCERNE BLVD, WINTER HAVEN, FL 33881-0729
Document Number0114131933
Book / Page011413 / 001933
Instrument DateOct 9, 2020
Instrument217199
Transaction TypeTransfer
Record UpdatedNov 2, 2020
Title CompanyINNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,642.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address549 LUCERNE BLVD WINTER HAVEN FL 338810729, WINTER HAVEN, FL 33881-0729

Mortgage

Document Number114131935
DateOct 14, 2020
Book Page011413/001935
Instrument217200
Lender
NameVETERANS UNITED HM LNS
TypeFunding / Finance Company
AddressCOLUMBIA, MO 65203
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueOct 13, 2050

August 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address549 LUCERNE BLVD, WINTER HAVEN, FL 33881-0729
Document Number0105930625
Instrument DateAug 17, 2018
Transaction TypeMortgage
Record UpdatedSep 11, 2018
Title CompanyTITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address549 LUCERNE BLVD WINTER HAVEN FL 338810729, WINTER HAVEN, FL 33881-0729

Mortgage

Document Number0105930625
DateAug 27, 2018
Book Page010593/000625
Instrument182062
Lender
NamePENNYMAC
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueAug 26, 2048

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
MunicipalityWinter Haven City
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$271,218 (+0.88%) Land $39,000 Building $232,218$271,218 (-6.66%) Land $39,000 Building $232,218
2025Homeowner's exemption$268,856$290,568 Land $39,000 Building $251,568
2023Homeowner's exemption$253,669$305,185 Land $38,000 Building $267,185

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

Flood

FEMA maps place 549 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies8 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 549 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 RiskModerate
above 60% of the US · lower than 65% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
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 SystemWINTER HAVEN WATER DEPARTMENT
serves 87,537 people · EPA ID FL6531992
Water SourceGroundwater
Last State InspectionDec 2021
Lead7 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Sep 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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

ProviderMax Down / Up (Mbps)
Frontier
Fiber		7,000 / 7,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

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