897 Lucerne Loop Rd NE, Winter Haven, FL 33881 Property Records

Polk County property record for 897 Lucerne Loop Rd NE, Winter Haven, FL 33881

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,767 sqft · built 2019
Lot Size	0.153 acres (6,678 sqft)
Owner	Company Name on Record
Tax Bill	$4,542 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Sep 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-28-02-522102-000010`

Property Details

APN / Parcel Number

Primary APN	`26-28-02-522102-000010`
Alternative APNs	`022826522102000010` `22826000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,767 sqft Living Area
Gross Area	2,187 sqft
1st Floor Area	1,767 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
Roof Type	Hip
Roof Material	Other
Lot Area	6,678 sqft (0.153 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	420 sqft
Porch	Finished/Open Porch
Porch Area	140 sqft

Location & Zoning

Street Address	897 LUCERNE LOOP RD NE
City	WINTER HAVEN
State	FL
Zip	33881-9737
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUCERNE PARK PB 171 PGS 1-4 LOT 1
Legal Range	26E
Legal Township	28S
Legal Section	02
Legal Subdivision	LUCERNE PARK
Legal Block	2
Legal Lot Number	1
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	2
Census Block	2043
Census Tract	12804

Owner

Source: Polk County records, as of July 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	800 N STATE ST, 402, DOVER, DE 19901-3925
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2021	Deed of Trust, Mortgage · Commercial Mortgage LENDINGHOME FUNDING CORP
Sep 2, 2020	Loan Modification, Mortgage HOUSING CAP
Dec 18, 2019	Deed of Trust, Mortgage LENDINGHOME FNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 25, 2021
Transfer Doc	0116471529
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	897 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9737
Transaction Type	Mortgage
Record Updated	Apr 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27452 CALLE ARROYO, SAN JUAN CAPISTRANO, CA 92675-2748

Mortgage

Document Number	0000082420
Date	Apr 1, 2021
Book Page	11647/1532
Instrument	2021082420

Lender

Name	LENDINGHOME FUNDING CORP
Type	Mortgage Company
Address	PITTSBURGH, PA 15212

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

September 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK FL
Property Address	897 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9737
Document Number	0113691772
Instrument Date	Sep 2, 2020
Transaction Type	Mortgage
Record Updated	Sep 28, 2020
Title Company	OTHER

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	14701 PHILIPS HWY JACKSONVILLE FL 322563743, JACKSONVILLE, FL 32256-3743

Mortgage

Document Number	0113691772
Date	Sep 10, 2020
Book Page	011369/001772
Instrument	187660

Lender

Name	HOUSING CAP
Type	Funding / Finance Company
Address	13737 NOEL RD # 800, DALLAS, TX 75240-1331

Agreement

Amount	Amount Recorded

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	897 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9737
Document Number	0110830191
Instrument Date	Dec 18, 2019
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	27452 CALLE ARROYO SAN JUAN CAPISTRANO CA 926752748, SAN JUAN CAPISTRANO, CA 92675-2748
Investor	Possibly a Property Investor

Mortgage

Document Number	0110830191
Date	Dec 20, 2019
Book Page	011083/000191
Instrument	271113

Lender

Name	LENDINGHOME FNDG
Type	Funding / Finance Company
Address	SAN FRANCISCO, CA 94104

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Polk County assessment roll, as of July 23, 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
2025	$4,542.00 (-7.08%)	$238,798 (-8.68%) Land $50,000 Building $188,798	$238,798 (-8.68%) Land $50,000 Building $188,798
2024	$4,888.00 (-2.92%)
2023	$5,035.00 (+8.12%)	$261,482 (+9.11%) Land $48,000 Building $213,482	$261,482 (+9.11%) Land $48,000 Building $213,482
2022	$4,657.00	$239,643 Land $40,000 Building $199,643	$239,643 Land $40,000 Building $199,643

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 20 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	20 in force
Nearby Flood Claims	7 (2004–2023)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Apr 2023 · rainfall accumulation
Claims by Event	Hurricane Frances, Sep 2004 · 3 claims Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 2 claims

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	Moderate above 61% of the US · lower than 65% of Florida
Wildfire Likelihood	0.2% 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 123 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Frontier, Verizon.

Nearby Properties on Lucerne Loop Rd NE

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures