585 Lucerne Blvd, Winter Haven, FL 33881 Property Records

Polk County property record for 585 Lucerne Blvd, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,901 sqft · built 2017
Lot Size	0.116 acres (5,066 sqft)
Owner	Individual Name on File
Last Sale	$370,000 (Sep 2022)
Tax Bill	$4,103 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Sep 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-03-522508-005120`

Property Details

APN / Parcel Number

Primary APN	`26-28-03-522508-005120`
Alternative APNs	`032826522508005120` `32826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,901 sqft Living Area
Gross Area	2,301 sqft
1st Floor Area	1,901 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	5,066 sqft (0.116 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	400 sqft
Porch	Unfinished Open Porch
Porch Area	147 sqft

Location & Zoning

Street Address	585 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 12
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	12
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2030
Census Tract	12803

Owner

585 Lucerne Blvd is owned and occupied by an individual who bought it in September 2022.

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

Owner of Record	Individual Name on File
Mailing Address	585 LUCERNE BLVD, WINTER HAVEN, FL 33881-0729
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Mar 16, 2022	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Sep 2, 2022	Warranty Deed, Transfer · Conventional Mortgage ARC HOME LLC
Nov 6, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Sep 26, 2017	Grant Deed, Subdivision Related Transfer NVR MTG FIN
Jun 14, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 2, 2022 · Amount on File
Deed Sale	Sep 2, 2022 · Amount on File
Prior Sale	Jun 1, 2017 · Amount on File
Deed Document Number	2022240804
Deed Book / Page	12406 / 1221
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	585 LUCERNE BLVD, WINTER HAVEN, FL 33881-0729
Transaction Type	Mortgage
Record Updated	Jan 19, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	585 LUCERNE BLVD, WINTER HAVEN, FL 33881-0729

Mortgage

Document Number	0000071431
Date	Mar 16, 2022
Book Page	12164/1015
Instrument	2022071431

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	307 Months
Due	Oct 1, 2047

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 2, 2022
Property Address	585 LUCERNE BLVD, WINTER HAVEN, FL 33881-0729
Document Number	0000240804
Book / Page	12406 / 1221
Map Reference	MB 154 PG 27
Instrument Date	Aug 22, 2022
Instrument	2022240804
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	NU WORLD TITLE OF DORAL LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,590.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1052, SALINAS PUERTO, RI

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	585 LUCERNE BLVD, WINTER HAVEN, FL 33881-0729

Mortgage

Document Number	0000240805
Date	Sep 2, 2022
Book Page	12406/1223
Instrument	2022240805

Lender

Name	ARC HOME LLC
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2052

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	585 LUCERNE BLVD, WINTER HAVEN, FL 33881-0729
Document Number	0115111804
Instrument Date	Nov 6, 2020
Transaction Type	Mortgage
Record Updated	Jan 8, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	585 LUCERNE BLVD WINTER HAVEN FL 338810729, WINTER HAVEN, FL 33881-0729

Mortgage

Document Number	0115111804
Date	Dec 28, 2020
Book Page	011511/001804
Instrument	280449

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	324 Months
Due	Dec 27, 2047

September 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Sep 26, 2017
Property Address	585 LUCERNE BLVD, WINTER HAVEN, FL 33881-0729
Document Number	0102680058
Book / Page	010268 / 000058
Instrument Date	Sep 22, 2017
Instrument	182810
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 25, 2018
Title Company	NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,239.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	585 LUCERNE BLVD WINTER HAVEN FL 338810729, WINTER HAVEN, FL 33881-0729

Mortgage

Document Number	102680060
Date	Sep 26, 2017
Book Page	010268/000060
Instrument	182811

Lender

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

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 25, 2047

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Jun 14, 2017
Property Address	585 LUCERNE BLVD, WINTER HAVEN, FL 33881-0729
Document Number	0101751600
Book / Page	010175 / 001600
Instrument Date	Jun 12, 2017
Instrument	113007
Transaction Type	Transfer
Record Updated	Jun 28, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$259.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4307 VINELAND RD #H20 ORLANDO FL 328117374, H20, ORLANDO, FL 32811-7374
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 585 Lucerne Blvd was $4,103 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		$238,502 (-8.02%) Land $39,000 Building $199,502	$238,502 (-8.02%) Land $39,000 Building $199,502
2025	$4,103.00 Homeowner's exemption	$259,292 Land $39,000 Building $220,292	$259,292 Land $39,000 Building $220,292
2023	$4,446.00 (+84.86%) Homeowner's exemption	$273,890 (+64.34%) Land $38,000 Building $235,890	$273,890 (+9.95%) Land $38,000 Building $235,890
2022	$2,405.00 Homeowner's exemption	$166,664	$249,105 Land $32,000 Building $217,105

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 585 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 AE, 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

Wildfire risk around 585 Lucerne Blvd is moderate, ranking above 62% 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 62% of the US · lower than 62% 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 285 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Frontier, Hotwire Communications.

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