681 Lucerne Blvd, Winter Haven, FL 33881 Property Records

Polk County property record for 681 Lucerne Blvd, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,426 sqft · built 2019
Lot Size	0.151 acres (6,582 sqft)
Owner	2 Individual Names on Record
Last Sale	$182,000 (Aug 2019)
Tax Bill	$2,275 (2025)
Deeds & Mortgages	Jun 2023 Mortgage May 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-03-522509-003120`

Property Details

APN / Parcel Number

Primary APN	`26-28-03-522509-003120`
Alternative APNs	`032826522509003120` `32826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,426 sqft Living Area
Gross Area	1,825 sqft
1st Floor Area	1,426 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Other
Lot Area	6,582 sqft (0.151 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	399 sqft
Porch	Unfinished Open Porch
Porch Area	20 sqft

Location & Zoning

Street Address	681 LUCERNE BLVD
City	WINTER HAVEN
State	FL
Zip	33881-0723
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 12
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	12
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	681 LUCERNE BLVD, WINTER HAVEN, FL 33881-0723
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 13, 2023	Deed of Trust, Mortgage · FHA Mortgage COMMUNITY LOAN SERVICING LLC
May 13, 2022	Deed of Trust, Mortgage · FHA Mortgage COMMUNITY LOAN SERVICING LLC
Aug 30, 2019	Grant Deed, Subdivision Related Transfer · FHA Mortgage NVR MTG FIN
May 16, 2019	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2019 · Amount on Record
Deed Sale	Aug 30, 2019 · Amount on Record
Prior Sale	May 16, 2019 · Amount on Record
Deed Document Number	2019184371
Deed Book / Page	10958 / 1137
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	681 LUCERNE BLVD, WINTER HAVEN, FL 33881-0723
Transaction Type	Mortgage
Record Updated	Jun 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	681 LUCERNE BLVD, WINTER HAVEN, FL 33881-0723

Mortgage

Document Number	0000137817
Date	Jun 13, 2023
Book Page	12726/614
Instrument	2023137817

Lender

Name	COMMUNITY LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	346 Months
Due	Apr 1, 2052

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	681 LUCERNE BLVD, WINTER HAVEN, FL 33881-0723
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	681 LUCERNE BLVD, WINTER HAVEN, FL 33881-0723

Mortgage

Document Number	0000131333
Date	May 13, 2022
Book Page	12252/560
Instrument	2022131333

Lender

Name	COMMUNITY LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Apr 1, 2052

August 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Aug 30, 2019
Property Address	681 LUCERNE BLVD, WINTER HAVEN, FL 33881-0723
Document Number	0109581137
Book / Page	010958 / 001137
Instrument Date	Aug 29, 2019
Instrument	184371
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 17, 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	$1,274.00
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	681 LUCERNE BLVD WINTER HAVEN FL 338810723, WINTER HAVEN, FL 33881-0723

Mortgage

Document Number	109581139
Date	Aug 30, 2019
Book Page	010958/001139
Instrument	184372

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 29, 2049

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	May 16, 2019
Property Address	681 LUCERNE BLVD, WINTER HAVEN, FL 33881-0723
Document Number	0108430254
Book / Page	010843 / 000254
Instrument Date	May 15, 2019
Instrument	100400
Transaction Type	Transfer
Record Updated	May 30, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$672.00
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		$167,612 (+2.7%)	$202,484 (-6.95%) Land $39,000 Building $163,484
2025	$2,275.00 (+6.46%) Homeowner's exemption	$163,205 (+5.99%)	$217,600 (-5.85%) Land $39,000 Building $178,600
2023	$2,137.00 (+3.19%) Homeowner's exemption	$153,985 (+3%)	$231,131 (+11.33%) Land $38,000 Building $193,131
2022	$2,071.00 Homeowner's exemption	$149,500	$207,615 Land $32,000 Building $175,615

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 71% of the US · above 53% of Florida
Wildfire Likelihood	0.3% 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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