Polk County property record for 1014 Ruby St, Lakeland, FL 33815 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2015 |
| Square Footage | 1,141 sqft Living Area |
| Lot Size | 11,339 sqft (0.26 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $148,500 (2019) |
| Tax Bill | $2,207.00 (2025) |
| Primary APN | 23-28-24-114000-002040 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,141 sqft Living Area |
| Gross Area | 1,086 sqft Gross Area |
| 1st Floor | 1,086 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Wood Flooring |
| Interior Structure | Plaster Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Stucco Exterior |
| Construction Type | Wood Construction |
| Roof Construction | Gable Roof Construction |
| Roof Material | Other (not Classified) Roof |
| Lot Area | 11,339 sqft (0.26 acres) |
| Depth X Width | 135 ft x 84 ft Depth x Width |
| Garage Type | Carport Garage |
| Carport | Carport |
| Porch Area | 255 sqft Porch |
| Cooling System | None Cooling |
|---|
| Street Address | 1014 RUBY ST |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33815-4458 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LAKE HUNTER TERRACE HEIGHTS PB 6 PG 38 BLK B LOT 3 W 25 FT & ALL LOT 4 & LOT 5 LESS W 41 FT |
| Legal Range | 23E |
| Legal Township | 28S |
| Legal Section | 24 |
| Legal Subdivision | LAKE HUNTER TERRACE HEIGHTS |
| Legal Tract | 114000 |
| Legal Block | B |
| Legal Lot Number | 3,4,5 |
| Jurisdiction | POLK FL |
| Minor Civil Division | LAKELAND |
| Census Blockgroup | 1 |
| Census Block | 1043 |
| Census Tract | 10800 |
Source: Polk County records · APN 23-28-24-114000-002040
Assessment roll updated June 23, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1014 RUBY ST, LAKELAND, FL 33815-4458 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Aug 09, 2019 | Warranty Deed, Transfer · Conventional Mortgage CARDINAL FIN'L |
| May 16, 2018 | Grant Deed, Transfer · Conventional Mortgage HOUSING FIN AGCY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 09, 2019 · Amount on Record |
| Deed Sale | Aug 09, 2019 · Amount on Record |
| Prior Sale | May 16, 2018 · Amount on Record |
| Deed Doc Number | 2019167633 |
| Deed Book / Page | 10935 / 1440 |
| Transfer Doc | 3895002001 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 09, 2019 |
| Property Address | 1014 RUBY ST, LAKELAND, FL 33815-4458 |
| Document Number | 0109351440 |
| Book / Page | 010935 / 001440 |
| Instrument Date | Jul 02, 2019 |
| Instrument | 167615 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2019 |
| Title Company | GOLDEN RULE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,039.58 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants In Common |
| Address | 1014 RUBY ST LAKELAND FL 338154458, LAKELAND, FL 33815-4458 |
| Document Number | 109351442 |
|---|---|
| Date | Aug 09, 2019 |
| Book Page | 010935/001442 |
| Instrument | 167616 |
| Name | CARDINAL FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 08, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 16, 2018 |
| Property Address | 1014 RUBY ST, LAKELAND, FL 33815-4458 |
| Document Number | 0104870444 |
| Book / Page | 010487 / 000444 |
| Instrument Date | May 11, 2018 |
| Instrument | 104920 |
| Transaction Type | Transfer |
| Record Updated | Jun 12, 2018 |
| Title Company | HILLSBOROUGH TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $910.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 1014 RUBY ST LAKELAND FL 338154458, LAKELAND, FL 33815-4458 |
| Document Number | 104870457 |
|---|---|
| Date | May 16, 2018 |
| Book Page | 010487/000457 |
| Instrument | 104922 |
| Name | HOUSING FIN AGCY |
|---|---|
| Address | TALLAHASSEE, FL 32301-1329 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 15, 2048 |
| Document Number | 104870446, |
|---|---|
| Date | May 16, 2018 |
| Book Page | 010487/000446 |
| Instrument | 104921 |
| Name | EQUITY RSRCS |
|---|---|
| Type | Funding / Finance Company |
| Address | NEWARK, OH 43055 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 15, 2048 |
Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Lakeland City |
| Unified School District | Polk County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,207.00 (+8.45%) Homeowner's exemption | $155,350 (-6.92%) | $201,090 (-3.95%) Land $40,824 Building $160,266 |
| 2023 | $2,035.00 (+9.35%) Homeowner's exemption | $166,902 (+13.02%) | $209,364 (+19.96%) Land $39,690 Building $169,674 |
| 2022 | $1,861.00 Homeowner's exemption | $147,674 | $174,532 Land $18,711 Building $155,821 |
Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 5% of the US · above 4% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 7,692 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026
| Historic District | Within the Lake Hunter Terrace Historic District listed 2002 · 163 contributing resources · NRIS 02001536 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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