Polk County property record for 1031 Ruby St, Lakeland, FL 33815 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1950 |
| Square Footage | 1,303 sqft Living Area |
| Lot Size | 8,560 sqft (0.197 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $133,900 (2005) |
| Tax Bill | $198.00 (2025) |
| Primary APN | 23-28-24-114000-001070 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,303 sqft Living Area |
| 1st Floor | 1,303 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Wood Flooring |
| Interior Structure | Plaster Interior Structure |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Exterior Material | Shingles Exterior |
| Construction Type | Wood Construction |
| Roof Construction | Hip Roof Construction |
| Roof Material | Other (not Classified) Roof |
| Lot Area | 8,560 sqft (0.197 acres) |
| Depth X Width | 143 ft x 60 ft Depth x Width |
| Garage Type | Carport Garage |
| Garage Area | 220 sqft Garage |
| Carport | Carport |
| Carport Area | 220 sqft Carport |
| Shed | 1 Shed |
| Porch Area | 71 sqft Porch |
| Cooling System | None Cooling |
|---|
| Street Address | 1031 RUBY ST |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33815-4457 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LAKE HUNTER TERRACE HEIGHTS PB 6 PG 38 BLK A LOT 7 LESS E 17 1/2 FT AND E 27 1/2 FT OF 8 |
| Legal Range | 23E |
| Legal Township | 28S |
| Legal Section | 24 |
| Legal Subdivision | LAKE HUNTER TERRACE HEIGHTS |
| Legal Tract | 114000 |
| Legal Block | A |
| Legal Lot Number | 7 |
| Jurisdiction | POLK FL |
| Minor Civil Division | LAKELAND |
| Census Blockgroup | 1 |
| Census Block | 1044 |
| Census Tract | 10800 |
Source: Polk County records · APN 23-28-24-114000-001070
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 | 1031 RUBY ST, LAKELAND, FL 33815-4457 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Nov 17, 2025 | Deed of Trust, Mortgage · Veterans Administration Mortgage CLEARPATH LENDING |
| Feb 16, 2024 | Deed of Trust, Mortgage · Stand Alone Second Mortgage PARTNERS FCU |
| Jul 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PARTNERS FCU |
| Mar 31, 2017 | Deed of Trust, Mortgage RP FNDG |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 27, 2005 · Amount on Record |
| Deed Sale | Sep 27, 2005 · Amount on Record |
| Prior Sale | Sep 27, 2005 · Amount on Record |
| Deed Doc Number | 2005234493 |
| Deed Book / Page | 6413 / 384 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1031 RUBY ST, LAKELAND, FL 33815-4457 |
| Transaction Type | Mortgage |
| Record Updated | Dec 03, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1031 RUBY ST, LAKELAND, FL 33815-4457 |
| Document Number | 0000270790 |
|---|---|
| Date | Nov 17, 2025 |
| Book Page | 13779/1157 |
| Instrument | 2025270790 |
| Name | CLEARPATH LENDING |
|---|---|
| Type | Lending Institution |
| Address | IRVINE, CA 92618 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1031 RUBY ST, LAKELAND, FL 33815-4457 |
| Transaction Type | Mortgage |
| Record Updated | Feb 28, 2024 |
| Name | Verified Name |
|---|---|
| Address | 1031 RUBY ST, LAKELAND, FL 33815-4457 |
| Document Number | 0000037312 |
|---|---|
| Date | Feb 16, 2024 |
| Book Page | 13009/1005 |
| Instrument | 2024037312 |
| Name | PARTNERS FCU |
|---|---|
| Type | Credit Union |
| Address | ORLANDO, FL 32821 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Feb 22, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1031 RUBY ST, LAKELAND, FL 33815-4457 |
| Document Number | 0113070581 |
| Instrument Date | Jul 13, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2020 |
| Title Company | ALOMA TITLE COMPANY, ALOMA TITLE CO |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 1031 RUBY ST LAKELAND FL 338154457, LAKELAND, FL 33815-4457 |
| Document Number | 0113070581 |
|---|---|
| Date | Jul 22, 2020 |
| Book Page | 011307/000581 |
| Instrument | 146951 |
| Name | PARTNERS FCU |
|---|---|
| Type | Credit Union |
| Address | ORLANDO, FL 32821 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jul 21, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1031 RUBY ST, LAKELAND, FL 33815-4457 |
| Document Number | 0101241716 |
| Book / Page | 010124 / 001716 |
| Instrument Date | Mar 31, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 1031 RUBY ST LAKELAND FL 338154457, LAKELAND, FL 33815-4457 |
| Document Number | 0101241716 |
|---|---|
| Date | Apr 21, 2017 |
| Book Page | 010124/001716 |
| Instrument | 75591 |
| Name | RP FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | MAITLAND, FL 32751 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Apr 20, 2032 |
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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $198.00 (+21.47%) Homeowner's exemption | $35,981 (+5.99%) | $184,595 (-3.32%) Land $36,804 Building $147,791 |
| 2023 | $163.00 (+11.64%) Homeowner's exemption | $33,949 (+3%) | $190,943 (+22.36%) Land $35,948 Building $154,995 |
| 2022 | $146.00 Homeowner's exemption | $32,960 | $156,045 Land $14,122 Building $141,923 |
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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