Polk County property record for 105 W Lk Ruby Dr, Winter Haven, FL 33884 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1973 |
| Square Footage | 1,540 sqft Living Area |
| Lot Size | 8,455 sqft (0.194 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $60,000 (1996) |
| Tax Bill | $434.00 (2025) |
| Primary APN | 27-29-07-000000-034420 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Baths |
| Building Area | 1,540 sqft Living Area |
| 1st Floor | 1,540 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Exterior Material | Stucco Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Roof Construction | Gable Roof Construction |
| Roof Material | Other (not Classified) Roof |
| Lot Area | 8,455 sqft (0.194 acres) |
| Depth X Width | 107 ft x 79 ft Depth x Width |
| Garage Type | Carport Garage |
| Garage Area | 380 sqft Garage |
| Carport | Carport |
| Carport Area | 380 sqft Carport |
| Porch Area | 36 sqft Porch |
| Street Address | 105 W LAKE RUBY DR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-3134 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | BEG NW COR OF SEC RUN S 1988.8 FT E 25 FT TO POB CONT E 107 FT N 79 FT W 107 FT S 79 FT TO POB BEING TRACT 25 OF UNRE HAVEN GROVE MANOR SO SEC |
| Legal Range | 27E |
| Legal Township | 29S |
| Legal Section | 07 |
| Legal Subdivision | HAVEN GROVE MANOR |
| Legal Tract | 25 |
| Legal Block | 1 |
| Jurisdiction | POLK FL |
| Minor Civil Division | LAKE WALES |
| Census Blockgroup | 1 |
| Census Block | 1040 |
| Census Tract | 14401 |
Source: Polk County records · APN 27-29-07-000000-034420
Assessment roll updated July 23, 2026 · Last verified August 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 | 105 W LAKE RUBY DR, WINTER HAVEN, FL 33884-3134 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Aug 30, 2022 | Correction Deed FLORIDA ABSTRACT AND TITLE, FLORIDA ABSTRACT & TITLE LLC |
| Aug 29, 2022 | Intrafamily Transfer, Transfer · Commercial Mortgage BYRUM LENDING TRUST |
| Nov 07, 2017 | Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 26, 1996 · Amount on Record |
| Deed Sale | Mar 26, 1996 · Amount on Record |
| Deed Book / Page | 3655 / 1370 |
| Last Transfer Date | Aug 23, 2022 |
| Transfer Doc | 0000236306 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 30, 2022 |
| Property Address | 105 W LAKE RUBY DR, WINTER HAVEN, FL 33884-3134 |
| Document Number | 0000236306 |
| Book / Page | 12399 / 2138 |
| Instrument Date | Aug 23, 2022 |
| Instrument | 2022236306 |
| Record Updated | Sep 13, 2022 |
| Title Company | FLORIDA ABSTRACT AND TITLE, FLORIDA ABSTRACT & TITLE LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Name | Verified Name |
|---|---|
| Address | 235 6TH ST NW, 235, WINTER HAVEN, FL 33881-4621 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 105 W LAKE RUBY DR, WINTER HAVEN, FL 33884-3134 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 29, 2022 |
| Property Address | 105 W LAKE RUBY DR, WINTER HAVEN, FL 33884-3134 |
| Document Number | 0000233975 |
| Book / Page | 12396 / 1228 |
| Instrument Date | Mar 22, 2022 |
| Instrument | 2022233975 |
| Transaction Type | Transfer |
| Record Updated | Sep 09, 2022 |
| Title Company | FLORIDA ABSTRACT AND TITLE, FLORIDA ABSTRACT & TITLE LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 235 61H ST NW, 235, WINTER HAVEN, FL 33881 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 105 LAKE RUDY DR, WINTER HAVEN, FL 33884-3134 |
| Document Number | 0123961231 |
|---|---|
| Date | Aug 29, 2022 |
| Instrument | 12396/1231 |
| Name | BYRUM LENDING TRUST |
|---|---|
| Type | Private Party |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2052 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 105 W LAKE RUBY DR, WINTER HAVEN, FL 33884-3134 |
| Document Number | 0103320055 |
| Book / Page | 010332 / 000055 |
| Instrument Date | Nov 07, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 03, 2018 |
| Title Company | FIRSTAMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 105 W LAKE RUBY DR WINTER HAVEN FL 338843134, WINTER HAVEN, FL 33884-3134 |
| Document Number | 0103320055 |
|---|---|
| Date | Dec 05, 2017 |
| Book Page | 010332/000055 |
| Instrument | 233396 |
| Name | WELLS FARGO BK |
|---|---|
| Address | FORT MILL, SC 29715 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Dec 04, 2057 |
| Rate | 6.12% |
|---|
Source: Polk County records · Assessment roll updated July 23, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| 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 | $434.00 (-51.45%) Homeowner's exemption | $71,109 (+5.99%) | $206,972 (+24.31%) Land $31,000 Building $175,972 |
| 2023 | $894.00 (+4.07%) Homeowner's exemption | $67,092 (+3%) | $166,498 (-12.57%) Land $30,000 Building $136,498 |
| 2022 | $859.00 Homeowner's exemption | $65,138 | $190,441 Land $22,278 Building $168,163 |
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 AE, within 500 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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