644 Lucerne Blvd, Winter Haven, FL 33881 Property Records

Polk County property record for 644 Lucerne Blvd, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,892 sqft · built 2018
Lot Size	0.134 acres (5,846 sqft)
Owner	2 Individual Names on Record
Last Sale	$191,900 (Mar 2018)
Tax Bill	$2,901 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Mar 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-03-522506-003010`

Property Details

APN / Parcel Number

Primary APN	`26-28-03-522506-003010`
Alternative APNs	`032826522506003010` `32826000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,892 sqft Living Area
Gross Area	2,312 sqft
1st Floor Area	1,892 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Other
Lot Area	5,846 sqft (0.134 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	420 sqft
Porch	Unfinished Open Porch
Porch Area	135 sqft

Location & Zoning

Street Address	644 LUCERNE BLVD
City	WINTER HAVEN
State	FL
Zip	33881-0722
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKES AT LUCERNE PARK PHASE TWO PB 139 PGS 3 & 4 BLOCK C LOT 1
Legal Range	26E
Legal Township	28S
Legal Section	03
Legal Subdivision	LAKES AT LUCERNE PARK PHASE TWO
Legal Phase	2
Legal Tract	522506
Legal Block	C
Legal Lot Number	1
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2028
Census Tract	12803

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	644 LUCERNE BLVD, WINTER HAVEN, FL 33881-0722
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2026	Deed of Trust, Mortgage · Partial Claim Mortgage US BANK NA
Mar 21, 2022	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Mar 7, 2018	Grant Deed, Subdivision Related Transfer · FHA Mortgage NVR MTG FIN
Nov 9, 2017	Grant Deed, Transfer ATTORNEY ONLY
Dec 11, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 7, 2018 · Amount on Record
Deed Sale	Mar 7, 2018 · Amount on Record
Prior Sale	Nov 9, 2017 · Amount on Record
Deed Document Number	201850106
Deed Book / Page	10416 / 411
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	644 LUCERNE BLVD, WINTER HAVEN, FL 33881-0722
Transaction Type	Mortgage
Record Updated	Mar 2, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 LUCERNE BLVD, WINTER HAVEN, FL 33881-0722

Mortgage

Document Number	0000031779
Date	Feb 9, 2026
Book Page	13874/2067
Instrument	2026031779

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Partial Claim Mortgage
Amount	Amount Recorded

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	644 LUCERNE BLVD, WINTER HAVEN, FL 33881-0722
Transaction Type	Mortgage
Record Updated	Apr 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 LUCERNE BLVD, WINTER HAVEN, FL 33881-0722

Mortgage

Document Number	0000075109
Date	Mar 21, 2022
Book Page	12169/858
Instrument	2022075109

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

March 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Mar 7, 2018
Property Address	644 LUCERNE BLVD, WINTER HAVEN, FL 33881-0722
Document Number	0104160411
Book / Page	010416 / 000411
Instrument Date	Mar 2, 2018
Instrument	50106
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 17, 2018
Title Company	NVR SETTLEMENT SERVICES INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,343.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	644 LUCERNE BLVD FL, FL

Mortgage

Document Number	104160413
Date	Mar 7, 2018
Book Page	010416/000413
Instrument	50107

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 6, 2048

Mortgage

Document Number	104160426,
Date	Mar 7, 2018
Book Page	010416/000426
Instrument	50108

Lender

Name	HOUSING FIN AGCY
Address	TALLAHASSEE, FL 32301-1329

Agreement

Amount	Amount Recorded

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Nov 9, 2017
Property Address	644 LUCERNE BLVD, WINTER HAVEN, FL 33881-0722
Document Number	0103100254
Book / Page	010310 / 000254
Instrument Date	Nov 7, 2017
Instrument	215282
Transaction Type	Transfer
Record Updated	Dec 8, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$158.00
Additional	Arm's Length

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

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Dec 11, 2017
Property Address	644 LUCERNE BLVD, WINTER HAVEN, FL 33881-0722
Document Number	0103362160
Book / Page	010336 / 002160
Instrument Date	Nov 7, 2017
Instrument	236971
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$158.00
Additional	Arm's Length

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

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		$201,410 (+2.7%)	$241,302 (-8.03%) Land $39,000 Building $202,302
2025	$2,901.00 (+6.07%) Homeowner's exemption	$196,115 (+5.99%)	$262,358 (-5.32%) Land $39,000 Building $223,358
2023	$2,735.00 (+2.94%) Homeowner's exemption	$185,037 (+3%)	$277,094 (+10.02%) Land $38,000 Building $239,094
2022	$2,657.00 Homeowner's exemption	$179,648	$251,863 Land $32,000 Building $219,863

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

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 70% of the US · above 52% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	None beyond ember reach

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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