Lucerne Park Reserve
Homes for Sale in Winter Haven, FL
True comps, carrying-cost math, and listings before the portals.
As of November 2026, Lucerne Pk Reserve in FL has 9 homes for sale and 2 pending, asking from $230,000 to $395,000 (median $279,900). Homes listed or recently sold were built 2020 - 2022; 23 of 23 report an HOA (median $17/mo); none of the 23 geocoded homes sit in a FEMA special flood hazard zone (median elevation 161 ft).
Last 30 days in Lucerne Park Reserve: 1 new listing (median asking $278,000), 2 under contract right now. As of November 7, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.
Homes For Sale Right Now in Lucerne Park Reserve
Live MLS inventory for Lucerne Park Reserve. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active · 194 daysTop listing
Active · 9 days
Active · 1 days
Active · 121 days
Active · 252 days
Active · 1 days
Active · 111 days
Active · 76 days
Active · 169 days
Active · 14 days
Active · 62 daysActive and pending Lucerne Park Reserve listings as of 2026-10-06, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2021 through 2025. Tap any home to ask about it.
Lucerne Park Reserve right now
🟢 Buyer-leaning market. 13.8 months of supply and 6% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Stellar MLS records, as of August 2, 2026. Confidence: High (16 active and pending listings, 1 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 7, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The setting & the homes.
Aerial and on-site photos of Lucerne Park Reserve. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Lucerne Park ReserveLucerne Park ReserveLucerne Park ReserveLucerne Park ReserveLucerne Park ReserveLucerne Park ReserveLucerne Park ReserveLucerne Park ReservePhotos from Stellar MLS listings in Lucerne Park Reserve; content deemed reliable but not guaranteed.
The market around Lucerne Park Reserve
Lucerne Park Reserve is a small community — 6 recorded sales on file, most recently in 2025 — too few for its own price trend. Here is the market around it.
In ZIP 33881, 339 homes are on the market and 24% are under contract — a steady corner of Winter Haven.
Across Polk County, 5,189 homes are active and 1,757 pending (25% under contract).
The housing mix here is 63% ?, 37% single family residence.
ZIP and county figures describe the wider market, not Lucerne Park Reserve specifically. Momentum Research analysis of MLS records.
Lucerne Park Reserve on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Stellar MLS. Map data © OpenStreetMap contributors.
Life at Lucerne Park Reserve
- Pool · reported on 18 of 18 listings
- Playground · reported on 15 of 18 listings
- Deed Restrictions · reported on 4 of 18 listings
- Park · reported on 3 of 18 listings
- Clubhouse · reported on 3 of 18 listings
- Community Mailbox · reported on 3 of 18 listings
- Recreation Facilities · reported on 1 of 18 listings
- Buyer Approval Required · reported on 1 of 18 listings
Community amenities as reported across Stellar MLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
Schools
- Polk County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Polk County Public Schools (verify by address) · Public
- Confirm zoned elementary, middle, and high · By address
- Magnet and choice options may apply · Choice
Zoned schools reflect the assignments reported on recent Lucerne Park Reserve listings and can change; always confirm with Polk County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Lucerne Park Reserve address.
The Lucerne Park Reserve buying strategy.
If we were buying in Lucerne Park Reserve today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Lucerne Park Reserve.
A closer look at the Lucerne Park Reserve market
Inventory runs at 13.8 months of supply, a buyer-leaning market.
The housing stock is 354 homes built between 2020 and 2023, and 72% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in Lucerne Park Reserve. The deal is won or lost on condition, the comps, and the renovation math.
What it really costs to own in Lucerne Park Reserve
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| CDD / special assessments | Listings here report a median of $2,690/yr in CDD or special-district assessments on the tax bill (20 listings, MLS, 2026-11-07). 100% of the 20 listings that report the field show one. The amount is per lot and set by the district: confirm it on the parcel's TRIM notice. |
|---|---|
| HOA dues | MLS listings here mostly enter dues as billed annually, but the median entry is only $200/year across 24 listings (2026-11-07), which usually means a quarterly or monthly amount was entered as annual. Ask the association for the current dues. |
| Home and flood insurance | The average Citizens Property Insurance premium in Polk County is $1,931/yr (5,380 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. Flood: of 22 listing addresses checked against the FEMA flood map, 100% sit outside the high-risk zone. Statewide, a Zone X flood policy runs about $500-$700/yr and a high-risk zone $1,200-$2,500/yr (FEMA Risk Rating 2.0 averages, not quotes). |
| Roof and age | Median build year 2021 across 21 listings. Newer roofs and current wind-mitigation features usually mean the lower end of insurance quotes. |
Email me new listings in Lucerne Park Reserve
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Lucerne Park Reserve
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Lucerne Park Reserve will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- HOA dues in MLS listings look inconsistent here (median entry $200/year across 24 listings). Confirm the current dues with the association
- Any club/amenity membership is billed separately
MLS listings here mostly enter association dues as billed annually, but the median entry is only $200 a year across 24 records, which usually means a quarterly or monthly amount was entered as annual. Ask the association or the listing agent for the current dues and what they cover before you offer. Source: MLS listing records, 2026-11.
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Lucerne Park Reserve buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Lucerne Park Reserve sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Lucerne Park Reserve, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Lucerne Park Reserve home worth?
Get a no-obligation home value based on real comparable sales in Lucerne Park Reserve, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Winter Haven →
Recently off market in Lucerne Pk Reserve
Homes in Lucerne Pk Reserve that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 10 on record.
- 109 Andreas Street · off market
- 257 Meadowbrook Boulevard · off market
- 270 Meadowbrook Boulevard · off market
- 305 Meadowbrook Boulevard · off market
- 326 Meadowbrook Boulevard · off market
- 441 Mckenna Drive · off market
- 445 Mckenna Drive · off market
- 528 Mckenna Drive · off market
| Location | FL |
|---|---|
| Home types (current listings and sales) | single-family 100% |
| Amenities listed by sellers | Pool, Playground, Deed Restrictions, Community Mailbox, Park, Clubhouse |
| For sale right now | 9 active, 2 pending · median asking $279,900 · 9.0 months of supply |
| Zoned public schools | Polk County Public Schools (verify by address); Confirm zoned elementary, middle, and high; Magnet and choice options may apply |
Data as of November 6, 2026. Based on Stellar MLS data distributed by MLS GRID. Market figures describe homes, not residents. Cite as: Momentum Realty, “Lucerne Park Reserve key facts,” movewithmomentum.com/neighborhoods/lucerne-pk-reserve, data as of November 6, 2026.
Housing distress & ownership in LUCERNE PK RESERVE, Winter Haven
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period October 2026 through October 2026. Deemed reliable but not guaranteed.
Just listed in Lucerne Park Reserve
The newest homes for sale in Lucerne Park Reserve right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 516 Mckenna Drive $278,000 · 3 bd · 2 ba · 1,844 sq ft · listed Nov 2, 2026 Courtesy of REALTYCITY INC
- 1020 Cambridge Drive $279,900 · 4 bd · 2 ba · 1,500 sq ft · listed Sep 5, 2026 Courtesy of CAPITAL HOMES INC
- 297 Meadowbrook Boulevard $230,000 · 3 bd · 2 ba · 1,426 sq ft · listed Jul 19, 2026 Courtesy of LPT REALTY, LLC
- 210 Meadowbrook Boulevard $380,000 · 5 bd · 3 ba · 2,696 sq ft · listed Jul 18, 2026 Courtesy of HOMELIFE REALTY COASTAL PROPERTIES LLC
- 884 Cambridge Drive $279,000 · 4 bd · 2.5 ba · 2,368 sq ft · listed May 16, 2026 Courtesy of FOUNDATION REALTY GROUP
- 125 Andreas Street $300,000 · 4 bd · 2 ba · 1,823 sq ft · listed May 8, 2026 Courtesy of DENIZ REALTY PARTNERS LLC
Checked against the MLS nightly. All new listings in this market.
Every Home for Sale in Lucerne Pk Reserve Right Now (10)
All 10 active and pending Lucerne Pk Reserve listings with a detail page, newest first, refreshed twice a day from the MLS.
- 516 Mckenna Drive · $278,000 · 3 bd / 2 ba · listed Nov 1, 2026 · listed by Realtycity Inc
- 1020 Cambridge Drive · $279,900 · 4 bd / 2 ba · listed Sep 10, 2026 · listed by Capital Homes Inc
- 210 Meadowbrook Boulevard · $380,000 · 5 bd / 3 ba · listed Sep 1, 2026 · listed by Homelife Realty Coastal Properties Llc
- 1040 Cambridge Drive · $243,500 · 3 bd / 2 ba · pending · listed Aug 31, 2026 · listed by Exp Realty Llc
- 297 Meadowbrook Boulevard · $230,000 · 3 bd / 2 ba · listed Aug 17, 2026 · listed by Lpt Realty, Llc
- 884 Cambridge Drive · $279,000 · 4 bd / 2.5 ba · listed Aug 8, 2026 · listed by Foundation Realty Group
- 125 Andreas Street · $300,000 · 4 bd / 2 ba · listed Aug 8, 2026 · listed by Deniz Realty Partners Llc
- 909 Cambridge Drive · $236,900 · 3 bd / 2 ba · listed Aug 8, 2026 · listed by Axen Realty, Llc
- 953 Cambridge Drive · $395,000 · 4 bd / 2.5 ba · listed Aug 8, 2026 · listed by Real Broker, Llc
- 428 Mckenna Drive · $260,000 · 4 bd / 2 ba · pending · listed Aug 8, 2026 · listed by Keller Williams Advantage Iii
Recently sold in Lucerne Pk Reserve
- 832 Cambridge Drive · sold $336,000
- 305 Meadowbrook Boulevard · sold $330,000
Closed sales from the MLS; each page shows the sold price, taxes and value history.
More Winter Haven home searches
- All homes for sale in Winter Haven, FL
- Gated communities in Winter Haven
- Winter Haven home values: what is my house worth?
- ZIP 33881 housing scorecard
Winter Haven guides & data
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
- Florida housing market map
- Interactive housing market map (county, ZIP and community)
- Save Our Homes tax estimator
- How to stop a foreclosure in Florida
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Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Cambridge Drive (46 homes on record)
- Meadowbrook Boulevard (39 homes on record)
- Mckenna Drive (31 homes on record)
- Andreas Street (22 homes on record)
- Peyton Brooke Way (21 homes on record)
- Cambridge Drive (12 homes on record)
- Mckenna Drive (6 homes on record)
- Peyton Brooke Way (4 homes on record)
- Andreas Street (2 homes on record)
- Meadowbrook Boulevard (1 homes on record)
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Polk County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Polk County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
18% of homes for sale in Lucerne Park Reserve are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-11-07).
Lucerne Park Reserve Market Scorecard
Lucerne Park Reserve is currently a strong buyer's market. About 10.0 months of supply, a median asking price of $279,450, and homes go under contract in about 116 days.
Typical home value in the 33881 ZIP is $262,601, about 3.1% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Stellar MLS, distributed by MLS GRID, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Frequently Asked Questions
Is Lucerne Park Reserve a buyer's or seller's market right now?
How many homes are in Lucerne Park Reserve?
What share of Lucerne Park Reserve is owner-occupied?
When were the homes in Lucerne Park Reserve built?
Do cash buyers compete in Lucerne Park Reserve?
What schools serve Lucerne Park Reserve?
Who is the best real estate agent for Lucerne Park Reserve?
How do I find a top Winter Haven real estate agent who knows Lucerne Park Reserve?
Can Momentum Realty connect me with an agent for Lucerne Park Reserve?
Where is Lucerne Park Reserve, and what county is it in?
Is Lucerne Park Reserve in a flood zone?
Is Lucerne Park Reserve a good place to live?
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: October 6, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (community parcel extract) |
| Under-contract shares | Stellar MLS records, as of 2026-08-01 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2021 (16 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
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The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. A Momentum agent can price yours against live local comps.
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See how LUCERNE PK RESERVE fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Lucerne Park Reserve
- Find an agent · How to choose the best real estate agent in Lucerne Park Reserve
