680 Lucerne Blvd, Winter Haven, FL 33881 Property Records

Polk County property record for 680 Lucerne Blvd, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,019 sqft · built 2019
Lot Size	0.145 acres (6,316 sqft)
Owner	2 Individual Names on Record
Last Sale	$209,000 (Sep 2019)
Tax Bill	$2,688 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-03-522509-003020`

Property Details

APN / Parcel Number

Primary APN	`26-28-03-522509-003020`
Alternative APNs	`032826522509003020` `32826000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,019 sqft Living Area
Gross Area	2,502 sqft
1st Floor Area	750 sqft
Upper Floors Area	1,269 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Other
Lot Area	6,316 sqft (0.145 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	483 sqft
Porch	Unfinished Open Porch
Porch Area	36 sqft

Location & Zoning

Street Address	680 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 5 PB 168 PG 20-21 BLOCK C LOT 2
Legal Range	26E
Legal Township	28S
Legal Section	03
Legal Subdivision	LAKES AT LUCERNE PARK PHASE 5
Legal Phase	5
Legal Block	C
Legal Lot Number	2
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	680 LUCERNE BLVD, WINTER HAVEN, FL 33881-0722
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2025	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jan 21, 2022	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Sep 6, 2019	Grant Deed, Subdivision Related Transfer · FHA Mortgage NVR MTG FIN
May 30, 2019	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 6, 2019 · Amount on Record
Deed Sale	Sep 6, 2019 · Amount on Record
Deed Document Number	2019188625
Deed Book / Page	10965 / 573
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	680 LUCERNE BLVD, WINTER HAVEN, FL 33881-0722
Transaction Type	Mortgage
Record Updated	Oct 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	680 LUCERNE BLVD, WINTER HAVEN, FL 33881-0722

Mortgage

Document Number	0000225009
Date	Sep 24, 2025
Book Page	13711/1004
Instrument	2025225009

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 13, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	680 LUCERNE BLVD, WINTER HAVEN, FL 33881-0722
Transaction Type	Mortgage
Record Updated	Feb 2, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	680 LUCERNE BLVD, WINTER HAVEN, FL 33881-0722

Mortgage

Document Number	0000018659
Date	Jan 21, 2022
Book Page	12083/958
Instrument	2022018659

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

September 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Sep 6, 2019
Property Address	680 LUCERNE BLVD, WINTER HAVEN, FL 33881-0722
Document Number	0109650573
Book / Page	010965 / 000573
Instrument Date	Sep 5, 2019
Instrument	188625
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 20, 2019
Title Company	NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,463.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	680 LUCERNE BLVD WINTER HAVEN FL 338810722, WINTER HAVEN, FL 33881-0722

Mortgage

Document Number	109650575
Date	Sep 6, 2019
Book Page	010965/000575
Instrument	188626

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 5, 2049

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	May 30, 2019
Property Address	680 LUCERNE BLVD, WINTER HAVEN, FL 33881-0722
Document Number	0108570169
Book / Page	010857 / 000169
Instrument Date	May 29, 2019
Instrument	110848
Transaction Type	Transfer
Record Updated	Jun 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$700.00
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

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		$189,880 (+2.7%)	$235,790 (-6.36%) Land $39,000 Building $196,790
2025	$2,688.00 (+6.2%) Homeowner's exemption	$184,888 (+5.99%)	$251,799 (-4.28%) Land $39,000 Building $212,799
2023	$2,531.00 (+2.97%) Homeowner's exemption	$174,444 (+3%)	$263,045 (+26.9%) Land $38,000 Building $225,045
2022	$2,458.00 Homeowner's exemption	$169,363	$207,290 Land $32,000 Building $175,290

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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