687 Lucerne Blvd, Winter Haven, FL 33881 Property Records

Polk County property record for 687 Lucerne Blvd, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,708 sqft · built 2019
Lot Size	0.158 acres (6,896 sqft)
Owner	Individual Name on File
Last Sale	$190,100 (May 2019)
Tax Bill	$2,632 (2025)
Deeds & Mortgages	May 2019 Sale & Mortgage Feb 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`26-28-03-522509-003110`

Property Details

APN / Parcel Number

Primary APN	`26-28-03-522509-003110`
Alternative APNs	`032826522509003110` `32826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,708 sqft Living Area
Gross Area	2,149 sqft
1st Floor Area	1,708 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	6,896 sqft (0.158 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	441 sqft
Porch	Unfinished Open Porch
Porch Area	20 sqft

Location & Zoning

Street Address	687 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 11
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	11
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2028
Census Tract	12803

Owner

687 Lucerne Blvd is owned and occupied by an individual who bought it in May 2019.

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

Owner of Record	Individual Name on File
Mailing Address	687 LUCERNE BLVD, WINTER HAVEN, FL 33881-0723
Occupancy	Owner Occupied
Owner Type	Individual

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
May 28, 2019	Grant Deed, Subdivision Related Transfer · Conventional with PMI NVR MTG FIN
Feb 14, 2019	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2019 · Amount on File
Deed Sale	May 28, 2019 · Amount on File
Deed Document Number	2019108519
Deed Book / Page	10853 / 2021
Record Updated	Oct 29, 2026

May 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	May 28, 2019
Property Address	687 LUCERNE BLVD, WINTER HAVEN, FL 33881-0723
Document Number	0108532021
Book / Page	010853 / 002021
Instrument Date	May 23, 2019
Instrument	108519
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 10, 2019
Title Company	NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,330.70
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	687 LUCERNE BLVD WINTER HAVEN FL 338810723, WINTER HAVEN, FL 33881-0723

Mortgage

Document Number	108532023
Date	May 28, 2019
Book Page	010853/002023
Instrument	108520

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 27, 2049

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Feb 14, 2019
Property Address	687 LUCERNE BLVD, WINTER HAVEN, FL 33881-0723
Document Number	0107501926
Book / Page	010750 / 001926
Instrument Date	Feb 13, 2019
Instrument	30690
Transaction Type	Transfer
Record Updated	Feb 27, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$350.00
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 687 Lucerne Blvd was $2,632 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		$186,887 (+2.7%)	$225,803 (-7.12%) Land $39,000 Building $186,803
2025	$2,632.00 Homeowner's exemption	$181,974	$243,106 Land $39,000 Building $204,106
2023	$2,478.00 (+2.99%) Homeowner's exemption	$171,694 (+3%)	$258,755 (+11.06%) Land $38,000 Building $220,755
2022	$2,406.00 Homeowner's exemption	$166,693	$232,990 Land $32,000 Building $200,990

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

Flood

FEMA maps place 687 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 687 Lucerne Blvd is high, ranking above 71% of the US, with a 0.3% annual chance of 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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