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982 Lunar Ln, Winter Haven, FL 33884 Property Records

Polk County property record for 982 Lunar Ln, Winter Haven, FL 33884

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,444 sqft · built 2025
Lot Size0.165 acres (7,170 sqft)
Owner2 Individual Names on File
Last Sale$304,000 (Dec 2025)
Tax Bill$359 (2025)
Deeds & MortgagesDec 2025 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN26-29-23-690582-000200

Property Details

APN / Parcel Number

Primary APN26-29-23-690582-000200
Alternative APN
  • 232926690582000200

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,444 sqft Living Area
Gross Area1,865 sqft
1st Floor Area1,444 sqft

Exterior

Year BuiltBuilt 2025
Effective Year BuiltEffective 2025
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeHip
Roof MaterialOther
Lot Area7,170 sqft (0.165 acres)
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area421 sqft
PorchUnfinished Open Porch

Location & Zoning

Street Address982 LUNAR LN
CityWINTER HAVEN
StateFL
Zip33884-4182
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCRESCENT POINTE PB 214 PGS 1-3 LOT 20
Legal SubdivisionCRESCENT POINT
Legal Lot Number20
JurisdictionPOLK FL
Township / Civil DivisionWINTER HAVEN-AUBURNDALE
Census Block Group4
Census Block4059
Census Tract14501

Owner

982 Lunar Ln is owned and occupied by two individuals who bought it in December 2025.

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

Owner of Record2 Individual Names on File
Mailing Address982 LUNAR LN, WINTER HAVEN, FL 33884-4182
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

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

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 16, 2025 · Amount on File
Deed SaleDec 16, 2025 · Amount on File
Deed Document Number2025293901
Deed Book / Page13812 / 1192
Record UpdatedOct 29, 2026

December 2025: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionPOLK FL
Recording DateDec 16, 2025
Property Address982 LUNAR LN, WINTER HAVEN, FL 33884-4182
Document Number0000293901
Book / Page13812 / 1192
Map ReferenceMB 214 PG 1-3
Instrument DateDec 10, 2025
Instrument2025293901
Transaction TypeTransfer
Record UpdatedJan 13, 2026
Title CompanyINSURED TITLE SERVICES

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,128.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1925 E EDGEWOOD DR STE 100, 100, LAKELAND, FL 33803-3480

Transferred To (Grantee/Buyer)

NameVerified Name
Address982 LUNAR LN, WINTER HAVEN, FL 33884-4182

Mortgage

Document Number0138121194
DateDec 16, 2025
Instrument13812/1194
Lender
NameACRISURE MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueJan 1, 2056

Tax Assessment & Valuation

The 2025 property tax bill for 982 Lunar Ln was $359.

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$178,126 (+827.64%)$241,679 (+1,158.61%) Land $50,000 Building $191,679
2025$359.00$19,202 Land $19,202$19,202 Land $19,202

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 982 Lunar Ln 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 97 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies97 in force
Nearby Flood Claims8 (2004–2022)
Claims Outside the SFHA4 of 8
Most Recent ClaimSep 2022 · Hurricane Ian
Claims by Event
  • Hurricane Ian, Sep 2022 · 2 claims
  • Hurricane Frances, Sep 2004 · 2 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

Wildfire risk around 982 Lunar Ln is high, ranking above 79% of the US, with a 0.5% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskHigh
above 79% of the US · above 69% of Florida
Wildfire Likelihood0.5% annual chance
ExposureDirect
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 SystemWINTER HAVEN WATER DEPARTMENT
serves 87,537 people · EPA ID FL6531992
Water SourceGroundwater
Last State InspectionDec 2021
Lead7 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Sep 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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 214 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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