1373 LUCERNE LOOP ROAD NE, WINTER HAVEN, FL, 33881
Pending87 days on marketListed May 8, 2026MLS #TB8506713
About this home
1373 LUCERNE LOOP ROAD NE
Situated in the heart of Central Florida's growing Polk County corridor, 1373 Lucerne Loop Road NE offers the kind of newer construction that is increasingly difficult to find at this price point. Winter Haven's continued growth, strong school access, and easy reach of both Tampa and Orlando make Lucerne Park a smart place to put down roots. The single-story layout was built in 2019 and designed with family living in mind. At 1,746 heated square feet, the home offers four bedrooms, two full baths, and an open kitchen and family room combination that keeps everyone connected. The kitchen features solid surface countertops, solid wood cabinets, a kitchen island, pantry, and a full appliance package. Tile flooring runs through the main living areas, with vinyl in all four bedrooms. The primary suite includes a walk-in closet and en-suite bath with dual sinks and a shower. Three additional bedrooms each offer built-in closet storage and flexibility for family, guests, or a dedicated home office. An interior laundry room, window treatments throughout, central air, and a two-car attached garage with opener provide the day-to-day practicality families rely on. The covered front and rear porches offer room to unwind, and the landscaped 0.15-acre homesite sits on a paved, sidewalk-lined street within a deed-restricted community where golf carts are welcome. Zoned for Lake Alfred Elementary, Boone Middle, and Haines City Senior High. HOA fees of $30 per month. Flood Zone X.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,746
Sqft
0.15 ac
Lot size
2
Garage
2019
Year built
One
Levels
$154
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,256 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,256/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−7.8%
$/sqft vs Winter Haven actives
$154 vs $172
Days on market
87 vs 42 typical
Where $154/sqft sits among the 400 Winter Haven actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Winter Haven
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Haven. See the full Winter Haven guide →
WINTER HAVEN 33881 — neighborhood snapshot
Population
39,189
Median age
43.6
Median income
$53,867
Median home value
$177,400
Avg household
2.61
Households w/ children
3,730
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Winter Haven market
$285K → $287K
Winter Haven median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
198 of 400
Winter Haven actives have cut their price
Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 10% above the WINTER HAVEN 33881 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 1373 LUCERNE LOOP ROAD NE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$260,000
1437 LUCERNE LOOP ROAD NE · same community
4 bd · 2 ba · 1,746 sqft · $149/sqft · 5 DOM
Sold · Mar ’26$270,000
1477 LUCERNE LOOP ROAD NE · same community
4 bd · 2 ba · 1,746 sqft · $155/sqft · 36 DOM
Sold · Nov ’25$260,000
1453 LUCERNE LOOP ROAD NE · same community
4 bd · 2 ba · 1,746 sqft · $149/sqft · 0 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Kamilla Pagotto
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1373 LUCERNE LOOP ROAD NE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1373 LUCERNE LOOP ROAD NE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kamilla's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1373 LUCERNE LOOP ROAD NE FAQs
What would the monthly payment be for 1373 LUCERNE LOOP ROAD NE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,256/mo — principal and interest, the actual property-tax bill, the $30/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 1373 LUCERNE LOOP ROAD NE?+
The association fee works out to $30 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1373 LUCERNE LOOP ROAD NE?+
The most recent tax bill on record (2025) was $4,363. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 1373 LUCERNE LOOP ROAD NE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Winter Haven?+
At $269,000, this home is listed about 6% below the Winter Haven median of $285,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1373 LUCERNE LOOP ROAD NE?+
Lake Alfred Polytech Academy (middle), Fred G. Garner Academy (elementary), Winter Haven Senior High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$269,000 runs 10% above the WINTER HAVEN 33881 median.
02Time on market is leverage
87 days on market against a Winter Haven median of 42 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $279,000, now $269,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ENGEL & VOLKERS SOUTH TAMPA · Desiree Swanz. MLS #TB8506713.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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