Polk County property record for 102 Ruby Lake Dr, Winter Haven, FL 33884 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1998 |
| Square Footage | 2,418 sqft Living Area |
| Lot Size | 11,639 sqft (0.267 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $229,900 (2013) |
| Tax Bill | $4,851.00 (2025) |
| Primary APN | 27-29-07-856603-000020 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,418 sqft Living Area |
| Gross Area | 2,880 sqft Gross Area |
| 1st Floor | 2,418 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Stucco Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Roof Construction | Hip Roof Construction |
| Roof Material | Other (not Classified) Roof |
| Lot Area | 11,639 sqft (0.267 acres) |
| Garage Type | Attached Garage |
| Garage Area | 462 sqft Garage |
| Pool Area | 336 sqft Pool |
| Porch Area | 238 sqft Porch |
| Cooling System | Central Cooling |
|---|
| Street Address | 102 RUBY LAKE DR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-3264 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | RUBY LAKE PHASE ONE PB 105 PGS 19 & 20 LOT 2 |
| Legal Range | 27E |
| Legal Township | 29S |
| Legal Section | 07 |
| Legal Subdivision | RUBY LAKE PHASE ONE |
| Legal Phase | 1 |
| Legal Tract | 856603 |
| Legal Block | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | POLK FL |
| Minor Civil Division | LAKE WALES |
| Census Blockgroup | 1 |
| Census Block | 1035 |
| Census Tract | 14401 |
Source: Polk County records · APN 27-29-07-856603-000020
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 | 102 RUBY LAKE DR, WINTER HAVEN, FL 33884-3264 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jan 24, 2024 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jul 19, 2022 | Deed of Trust, Mortgage · Line of Credit TD BANK NA |
| Nov 13, 2019 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 23, 2013 · Amount on Record |
| Deed Sale | Apr 23, 2013 · Amount on Record |
| Prior Sale | Jun 17, 2002 · Amount on Record |
| Deed Doc Number | 201375521 |
| Deed Book / Page | 8937 / 154 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 102 RUBY LAKE DR, WINTER HAVEN, FL 33884-3264 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2024 |
| Name | Verified Name |
|---|---|
| Address | 102 RUBY LAKE DR, WINTER HAVEN, FL 33884-3264 |
| Document Number | 0000018338 |
|---|---|
| Date | Jan 24, 2024 |
| Book Page | 12983/1346 |
| Instrument | 2024018338 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 102 RUBY LAKE DR, WINTER HAVEN, FL 33884-3264 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2022 |
| Name | Verified Name |
|---|---|
| Address | 102 RUBY LAKE DR, WINTER HAVEN, FL 33884-3264 |
| Document Number | 0000195488 |
|---|---|
| Date | Jul 19, 2022 |
| Book Page | 12343/681 |
| Instrument | 2022195488 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jun 25, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 102 RUBY LAKE DR, WINTER HAVEN, FL 33884-3264 |
| Document Number | 0110510160 |
| Instrument Date | Nov 13, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 102 RUBY LAKE DR WINTER HAVEN FL 338843264, WINTER HAVEN, FL 33884-3264 |
| Document Number | 0110510160 |
|---|---|
| Date | Nov 22, 2019 |
| Book Page | 011051/000160 |
| Instrument | 248785 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 21, 2034 |
Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven 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 | $4,851.00 (+105.99%) Homeowner's exemption | $302,917 (+5.99%) | $392,830 (+3.44%) Land $88,000 Building $304,830 |
| 2023 | $2,355.00 (-47.27%) Homeowner's exemption | $285,806 (+3%) | $379,766 (+13.96%) Land $86,000 Building $293,766 |
| 2022 | $4,466.00 Homeowner's exemption | $277,482 | $333,250 Land $72,000 Building $261,250 |
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 |
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Wildfire Risk | Low above 7% of the US · above 6% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 5,882 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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