693 Lucerne Blvd, Winter Haven, FL 33881 Property Records

Polk County property record for 693 Lucerne Blvd, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,431 sqft · built 2019
Lot Size	0.144 acres (6,260 sqft)
Owner	Individual Name on Record
Last Sale	$215,000 (Apr 2021)
Tax Bill	$4,149 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Jun 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-03-522509-003100`

Property Details

APN / Parcel Number

Primary APN	`26-28-03-522509-003100`
Alternative APNs	`032826522509003100` `32826000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,431 sqft Living Area
Gross Area	1,830 sqft
1st Floor Area	1,431 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	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	6,260 sqft (0.144 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	399 sqft
Porch	Unfinished Open Porch
Porch Area	20 sqft

Location & Zoning

Street Address	693 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 10
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	10
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	Individual Name on Record
Mailing Address	13992 S SIERRA GLOW LN, HERRIMAN, UT 84096-1861
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2021	Warranty Deed, Transfer · Conventional Mortgage STEARNS LENDING LLC
Jun 10, 2019	Grant Deed, Subdivision Related Transfer · Conventional with PMI NVR MTG FIN
Feb 20, 2019	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 16, 2021 · Amount on Record
Deed Sale	Apr 16, 2021 · Amount on Record
Prior Sale	Jun 10, 2019 · Amount on Record
Deed Document Number	202197729
Deed Book / Page	11672 / 1308
Record Updated	Oct 29, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Apr 16, 2021
Property Address	693 LUCERNE BLVD, WINTER HAVEN, FL 33881-0723
Document Number	0000097729
Book / Page	11672 / 1308
Map Reference	MB 168 PG 20&21
Instrument Date	Apr 9, 2021
Instrument	2021097729
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,505.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	693 LUCERNE BLVD, 693, WINTER HAVEN, FL 33881-0723

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11099 S TOPVIEW RD, SOUTH JORDAN, UT 84009-7719

Mortgage

Document Number	0116721311
Date	Apr 16, 2021
Instrument	11672/1311

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

June 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Jun 10, 2019
Property Address	693 LUCERNE BLVD, WINTER HAVEN, FL 33881-0723
Document Number	0108691407
Book / Page	010869 / 001407
Instrument Date	Jun 6, 2019
Instrument	119589
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 24, 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	$1,281.70
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	693 LUCERNE BLVD WINTER HAVEN FL 338810723, WINTER HAVEN, FL 33881-0723

Mortgage

Document Number	108691409
Date	Jun 10, 2019
Book Page	010869/001409
Instrument	119590

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 9, 2049

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	POLK FL
Recording Date	Feb 20, 2019
Property Address	693 LUCERNE BLVD, WINTER HAVEN, FL 33881-0723
Document Number	0107551076
Book / Page	010755 / 001076
Instrument Date	Feb 19, 2019
Instrument	34206
Transaction Type	Transfer
Record Updated	Mar 1, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$525.00
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		$202,977 (-6.95%) Land $39,000 Building $163,977	$202,977 (-6.95%) Land $39,000 Building $163,977
2025	$4,149.00 (-6.22%)	$218,140 (-5.86%) Land $39,000 Building $179,140	$218,140 (-5.86%) Land $39,000 Building $179,140
2023	$4,424.00 (+9.34%)	$231,718 (+11.31%) Land $38,000 Building $193,718	$231,718 (+11.31%) Land $38,000 Building $193,718
2022	$4,046.00	$208,169 Land $32,000 Building $176,169	$208,169 Land $32,000 Building $176,169

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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