656 Lucerne Blvd, Winter Haven, FL 33881 Property Records

Polk County property record for 656 Lucerne Blvd, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,682 sqft · built 2018
Lot Size	0.129 acres (5,597 sqft)
Owner	2 Company Names on File
Last Sale	$182,000 (Sep 2018)
Tax Bill	$2,613 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Dec 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-03-522506-003030`

Property Details

APN / Parcel Number

Primary APN	`26-28-03-522506-003030`
Alternative APNs	`032826522506003030` `32826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,682 sqft Living Area
Gross Area	2,123 sqft
1st Floor Area	1,682 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	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	5,597 sqft (0.129 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	441 sqft
Porch	Finished/Open Porch
Porch Area	25 sqft

Location & Zoning

Street Address	656 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 3
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	3
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2028
Census Tract	12803

Owner

656 Lucerne Blvd is owned by a company that bought it in September 2018 and is owner-occupied.

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

Owner of Record	2 Company Names on File
Mailing Address	656 LUCERNE BLVD, WINTER HAVEN, FL 33881-0722
Occupancy	Owner Occupied
Owner Type	Company

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
Nov 1, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Dec 27, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Sep 20, 2018	Grant Deed, Subdivision Related Transfer · FHA Mortgage NVR MTG FIN
May 24, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2018 · Amount on File
Deed Sale	Sep 20, 2018 · Amount on File
Prior Sale	May 24, 2018 · Amount on File
Deed Document Number	2018199251
Deed Book / Page	10617 / 261
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	656 LUCERNE BLVD, WINTER HAVEN, FL 33881-0722
Transaction Type	Mortgage
Record Updated	Nov 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6 LUCERNE BLVD, WINTER HAVEN, FL 33881

Mortgage

Document Number	0000258370
Date	Nov 1, 2023
Book Page	12894/777
Instrument	2023258370

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	333 Months
Due	Aug 1, 2051

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	656 LUCERNE BLVD, WINTER HAVEN, FL 33881-0722
Transaction Type	Mortgage
Record Updated	Jan 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	656 LUCERNE BLVD, WINTER HAVEN, FL 33881-0722

Mortgage

Document Number	0000332023
Date	Dec 27, 2022
Book Page	12530/1201
Instrument	2022332023

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	344 Months
Due	Aug 1, 2051

September 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Sep 20, 2018
Property Address	656 LUCERNE BLVD, WINTER HAVEN, FL 33881-0722
Document Number	0106170261
Book / Page	010617 / 000261
Instrument Date	Sep 17, 2018
Instrument	199251
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 9, 2018
Title Company	NVR SETTLEMENT SERVICES INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,274.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	656 LUCERNE BLVD WINTER HAVEN FL 338810722, WINTER HAVEN, FL 33881-0722

Mortgage

Document Number	106170263
Date	Sep 20, 2018
Book Page	010617/000263
Instrument	199252

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 19, 2048

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	May 24, 2018
Property Address	656 LUCERNE BLVD, WINTER HAVEN, FL 33881-0722
Document Number	0104951271
Book / Page	010495 / 001271
Instrument Date	May 23, 2018
Instrument	111433
Transaction Type	Transfer
Record Updated	Jun 19, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$1,050.00
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 656 Lucerne Blvd was $2,613 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		$185,844 (+2.7%)	$222,877 (-7.91%) Land $39,000 Building $183,877
2025	$2,613.00 Homeowner's exemption	$180,958	$242,013 Land $39,000 Building $203,013
2023	$2,460.00 (+3.02%) Homeowner's exemption	$170,736 (+3%)	$255,310 (+10.27%) Land $38,000 Building $217,310
2022	$2,388.00 Homeowner's exemption	$165,763	$231,526 Land $32,000 Building $199,526

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

Flood

FEMA maps place 656 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 656 Lucerne Blvd is high, ranking above 70% 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	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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