591 Lucerne Blvd, Winter Haven, FL 33881 Property Records

Polk County property record for 591 Lucerne Blvd, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,998 sqft · built 2017
Lot Size	0.116 acres (5,070 sqft)
Owner	Company Name on File
Last Sale	$202,000 (Jun 2020)
Tax Bill	$4,706 (2025)
Deeds & Mortgages	Apr 2022 Transfer Jun 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-03-522508-005130`

Property Details

APN / Parcel Number

Primary APN	`26-28-03-522508-005130`
Alternative APNs	`032826522508005130` `32826000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,998 sqft Living Area
Gross Area	2,460 sqft
1st Floor Area	750 sqft
Upper Floors Area	1,248 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	5,070 sqft (0.116 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	462 sqft
Porch	Unfinished Open Porch
Porch Area	36 sqft

Location & Zoning

Street Address	591 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 13
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	13
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2030
Census Tract	12803

Owner

591 Lucerne Blvd is owned by a company that bought it in June 2020.

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

Owner of Record	Company Name on File
Mailing Address	2207 W 790 S, PAYSON, UT 84651-4641
Owner Type	Company
Vesting	Limited Liability Partnership

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
Apr 25, 2022	Intrafamily Transfer, Transfer
Jun 1, 2020	Warranty Deed, Transfer · Conventional Mortgage STEARNS LNDG LLC
Dec 14, 2017	Grant Deed, Subdivision Related Transfer · VA Mortgage NVR MTG FIN
Aug 9, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2020 · Amount on File
Deed Sale	Jun 1, 2020 · Amount on File
Prior Sale	Dec 14, 2017 · Amount on File
Deed Document Number	2020107472
Deed Book / Page	11248 / 1407
Record Updated	Oct 29, 2026

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	Apr 25, 2022
Property Address	591 LUCERNE BLVD, WINTER HAVEN, FL 33881-0729
Document Number	0000111052
Book / Page	12223 / 302
Map Reference	MB 154 PG 27&28
Instrument Date	Apr 13, 2022
Instrument	2022111052
Transaction Type	Transfer
Record Updated	May 6, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2207 W 790 S, 2207, PAYSON, UT 84651-4641

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2207 W 790 S, PAYSON, UT 84651-4641

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jun 1, 2020
Property Address	591 LUCERNE BLVD, WINTER HAVEN, FL 33881-0729
Document Number	0112481407
Book / Page	011248 / 001407
Instrument Date	May 11, 2020
Instrument	107472
Transaction Type	Transfer
Record Updated	Jun 17, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,414.00
Amount Accuracy	Confirmed
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	2207 W 790 S PAYSON UT 846514641, PAYSON, UT 84651-4641

Mortgage

Document Number	112481409
Date	Jun 1, 2020
Book Page	011248/001409
Instrument	107473

Lender

Name	STEARNS LNDG LLC
Address	LEWISVILLE, TX 75057

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 31, 2050

December 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Dec 14, 2017
Property Address	591 LUCERNE BLVD, WINTER HAVEN, FL 33881-0729
Document Number	0103411877
Book / Page	010341 / 001877
Instrument Date	Dec 13, 2017
Instrument	241064
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 29, 2018
Title Company	NVR SETTLEMENT SERVICES INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,229.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	591 LUCERNE BLVD WINTER HAVEN FL 338810729, WINTER HAVEN, FL 33881-0729

Mortgage

Document Number	103411881
Date	Dec 14, 2017
Book Page	010341/001881
Instrument	241066

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 13, 2047

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Aug 9, 2017
Property Address	591 LUCERNE BLVD, WINTER HAVEN, FL 33881-0729
Document Number	0102281921
Book / Page	010228 / 001921
Instrument Date	Aug 8, 2017
Instrument	152339
Transaction Type	Transfer
Record Updated	Aug 22, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$389.00
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 591 Lucerne Blvd was $4,706.

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		$229,666 (-7.17%) Land $39,000 Building $190,666	$229,666 (-7.17%) Land $39,000 Building $190,666
2025	$4,706.00	$247,396 Land $39,000 Building $208,396	$247,396 Land $39,000 Building $208,396
2023	$4,933.00 (+32.43%)	$256,223 (+25.56%) Land $38,000 Building $218,223	$256,223 (+25.56%) Land $38,000 Building $218,223
2022	$3,725.00	$204,057 Land $32,000 Building $172,057	$204,057 Land $32,000 Building $172,057

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

Flood

FEMA maps place 591 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 591 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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