111 Ruby Lake Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 111 Ruby Lake Dr, Winter Haven, FL 33884 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1999
Square Footage	2,146 sqft Living Area
Lot Size	10,642 sqft (0.244 acres)
Occupancy	Owner Occupied
Last Sale	$170,800 (1999)
Tax Bill	$2,621.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`27-29-07-856603-000312`
Alternative APNs	`072927856603000312` `72927000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,146 sqft Living Area
Gross Area	2,608 sqft Gross Area
1st Floor	2,146 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
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	10,642 sqft (0.244 acres)
Garage Type	Attached Garage
Garage Area	462 sqft Garage
Porch Area	395 sqft Porch

Location & Zoning

Street Address	111 RUBY LAKE DR
City	WINTER HAVEN
State	FL
Zip	33884-3265
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	RUBY LAKE PHASE ONE PB 105 PGS 19 & 20 LOT 31 LESS PT DESC AS COMM AT NE COR OF LOT 31 RUN W 95 FT TO POB CONT W 123.52 FT S 51 DEG 34 MIN 45 SEC E 118.18 FT SELY ALONG CURVE 38.26 FT N 96.05 FT TO POB
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	31
Jurisdiction	POLK FL
Minor Civil Division	LAKE WALES
Census Blockgroup	1
Census Block	1039
Census Tract	14401

Owner

Source: Polk County records · APN 27-29-07-856603-000312

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	111 RUBY LAKE DR, WINTER HAVEN, FL 33884-3265
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 04, 1999 · Amount on Record
Deed Sale	May 04, 1999 · Amount on Record
Prior Sale	May 04, 1999 · Amount on Record
Deed Book / Page	4234 / 1231
Record Refreshed	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	111 RUBY LAKE DR, WINTER HAVEN, FL 33884-3265
Document Number	0115201008
Instrument Date	Dec 21, 2020
Transaction Type	Mortgage
Record Updated	Jan 14, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	111 RUBY LAKE DR WINTER HAVEN FL 338843265, WINTER HAVEN, FL 33884-3265

Mortgage

Document Number	0115201008
Date	Dec 31, 2020
Book Page	011520/001008
Instrument	285319

Lender

Name	MIDFLORIDA CU
Address	LAKELAND, FL 33802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Dec 30, 2040

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

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	$2,621.00 (+6.41%) Homeowner's exemption	$183,666 (+5.99%)	$319,964 (+1.29%) Land $76,000 Building $243,964
2023	$2,463.00 (+3.18%) Homeowner's exemption	$173,291 (+3%)	$315,888 (+15.94%) Land $74,000 Building $241,888
2022	$2,387.00 Homeowner's exemption	$168,244	$272,451 Land $62,000 Building $210,451

Flood & Wildfire

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

Flood

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 500 ft

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.