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

Polk County property record for 903 Lucerne Loop Rd NE, Winter Haven, FL 33881 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,599 sqft · built 2019
Lot Size0.151 acres (6,595 sqft)
OwnerCompany Name on File
Tax Bill$4,307 (2025)
Deeds & MortgagesJun 2020 Loan Modification
May 2020 Loan Modification
+ 1 more
Flood ZoneZone X (minimal risk)
APN26-28-02-522102-000040

Property Details

APN / Parcel Number

Primary APN26-28-02-522102-000040
Alternative APNs
  • 022826522102000040
  • 22826000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,599 sqft Living Area
Gross Area2,079 sqft
1st Floor Area1,599 sqft

Exterior

Year BuiltBuilt 2019
Effective Year BuiltEffective 2019
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeHip
Roof MaterialOther
Lot Area6,595 sqft (0.151 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area480 sqft
PorchFinished/Open Porch
Porch Area48 sqft

Location & Zoning

Street Address903 LUCERNE LOOP RD NE
CityWINTER HAVEN
StateFL
Zip33881-9669
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLUCERNE PARK PB 171 PGS 1-4 LOT 4
Legal Range26E
Legal Township28S
Legal Section02
Legal SubdivisionLUCERNE PARK
Legal Block2
Legal Lot Number4
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group2
Census Block2043
Census Tract12804

Owner

Source: Polk County records · APN 26-28-02-522102-000040

Assessment roll updated July 23, 2026 · Last verified August 2026

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

Owner of RecordCompany Name on File
Mailing Address800 N STATE ST, 402, DOVER, DE 19901-3925
Owner TypeCompany
VestingLimited Liability Company

Deeds, Mortgages & Sale History

DateDocument
Jun 30, 2020Loan Modification, Mortgage
HOUSING CAP
May 08, 2020Loan Modification, Mortgage
HOUSING CAP
Dec 18, 2019Deed of Trust, Mortgage
LENDINGHOME FNDG

Assessor's Deed Record

Deed NamesVerified Name on Deed
Record UpdatedSep 20, 2026

June 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionPOLK FL
Property Address903 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9669
Document Number0113122243
Instrument DateJun 30, 2020
Transaction TypeMortgage
Record UpdatedAug 18, 2020
Title CompanyOTHER

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address14701 PHILIPS HWY JACKSONVILLE FL 322563743, JACKSONVILLE, FL 32256-3743

Mortgage

Document Number0113122243
DateJul 27, 2020
Book Page011312/002243
Instrument150742
Lender
NameHOUSING CAP
TypeFunding / Finance Company
Address13737 NOEL RD # 800, DALLAS, TX 75240-1331
Agreement
AmountAmount Recorded
Term12 Months
DueJul 26, 2021

May 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionPOLK FL
Property Address903 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9669
Document Number0112311485
Instrument DateMay 08, 2020
Transaction TypeMortgage
Record UpdatedJun 01, 2020
Title CompanyNOT AVAILABLE

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address14701 PHILIPS HWY JACKSONVILLE FL 322563743, JACKSONVILLE, FL 32256-3743

Mortgage

Document Number0112311485
DateMay 12, 2020
Book Page011231/001485
Instrument95428
Lender
NameHOUSING CAP
TypeFunding / Finance Company
Address13737 NOEL RD # 800, DALLAS, TX 75240-1331
Agreement
AmountAmount Recorded

December 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address903 LUCERNE LOOP RD NE, WINTER HAVEN, FL 33881-9669
Document Number0110830284
Instrument DateDec 18, 2019
Transaction TypeMortgage
Record UpdatedJan 14, 2020
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address27452 CALLE ARROYO SAN JUAN CAPISTRANO CA 926752748, SAN JUAN CAPISTRANO, CA 92675-2748
InvestorPossibly a Property Investor

Mortgage

Document Number0110830284
DateDec 20, 2019
Book Page011083/000284
Instrument271116
Lender
NameLENDINGHOME FNDG
TypeFunding / Finance Company
AddressSAN FRANCISCO, CA 94104
Agreement
AmountAmount Recorded

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated July 23, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
MunicipalityWinter Haven City
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$4,307.00 (-6.51%)$226,454 (+371.78%) Land $50,000 Building $176,454$226,454 (+371.78%) Land $50,000 Building $176,454
2024$4,607.00 (+430.76%)
2023$868.00 (+11.71%)$48,000 (+2%) Land $48,000$48,000 (+2%) Land $48,000
2022$777.00$40,000 Land $40,000$40,000 Land $40,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050128042, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 20 individual NFIP policies nearby
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies20 in force
15 of 20 on primary residences
Nearby Flood Claims7 (2004–2023)
Claims Outside the SFHA1 of 7
Most Recent ClaimApr 2023, rainfall accumulation
Flood Events
  • Hurricane Frances (Sep 2004), 3 claims
  • Tropical Storm Bonnie And Hurricane Charley (Aug 2004), 2 claims

Wildfire

Wildfire RiskModerate
above 61% of the US · above 35% of Florida
Wildfire LikelihoodAbout 1 in 461 per year
ExposureDirect
burnable vegetation at the parcel

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.

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