Polk County property record for 1148 Ruby St, Lakeland, FL 33815 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2020 |
| Square Footage | 1,379 sqft Living Area |
| Lot Size | 7,157 sqft (0.164 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $288,000 (2023) |
| Tax Bill | $3,210.00 (2025) |
| Primary APN | 23-28-24-114500-002110 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,379 sqft Living Area |
| 1st Floor | 1,379 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2020 |
| 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 | 7,157 sqft (0.164 acres) |
| Depth X Width | 138 ft x 52 ft Depth x Width |
| Garage Type | Carport Garage |
| Garage Area | 204 sqft Garage |
| Carport | Carport |
| Carport Area | 204 sqft Carport |
| Porch Area | 367 sqft Porch |
| Street Address | 1148 RUBY ST |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33815-4460 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | KEYSTONE ADD PB 7 PG 12 BLK B LOT 11 |
| Legal Range | 23E |
| Legal Township | 28S |
| Legal Section | 24 |
| Legal Subdivision | KEYSTONE ADDITION |
| Legal Tract | 114500 |
| Legal Block | B |
| Legal Lot Number | 11 |
| Jurisdiction | POLK FL |
| Minor Civil Division | LAKELAND |
| Census Blockgroup | 1 |
| Census Block | 1042 |
| Census Tract | 10800 |
Source: Polk County records · APN 23-28-24-114500-002110
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 | 1148 RUBY ST, LAKELAND, FL 33815-4460 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 08, 2023 | Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC |
| Dec 07, 2022 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Dec 07, 2022 | Warranty Deed, Construction Loan · Building or Construction Mortgage CENTRAL FLORIDA INCOME FUND LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 08, 2023 · Amount on Record |
| Deed Sale | May 08, 2023 · Amount on Record |
| Prior Sale | Dec 07, 2022 · Amount on Record |
| Deed Doc Number | 2023105924 |
| Deed Book / Page | 12681 / 385 |
| Transfer Doc | 3698001381 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 08, 2023 |
| Property Address | 1148 RUBY ST, LAKELAND, FL 33815-4460 |
| Document Number | 0000105924 |
| Book / Page | 12681 / 385 |
| Map Reference | MB 7 PG 12 |
| Instrument Date | May 01, 2023 |
| Instrument | 2023105924 |
| Transaction Type | Transfer |
| Record Updated | May 19, 2023 |
| Title Company | SMART TITLE II LLC, SMART TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,016.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3616 DAN UNIE LN, LAKELAND, FL 33812-4017 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 1148 RUBY ST, LAKELAND, FL 33815-4460 |
| Document Number | 0012681387 |
|---|---|
| Date | May 08, 2023 |
| Instrument | 12681/387 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Dec 07, 2022 |
| Property Address | 1148 RUBY ST, LAKELAND, FL 33815-4460 |
| Document Number | 0000317144 |
| Book / Page | 12510 / 752 |
| Map Reference | MB 7 PG 12 |
| Instrument Date | Nov 30, 2022 |
| Instrument | 2022317144 |
| Transaction Type | Transfer |
| Record Updated | Dec 19, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,050.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3989 SCARLET BRANCH RD, ORLANDO, FL 32824-5091 |
| Name | Verified Name |
|---|---|
| Address | 1830 W BROWARD BLVD, FORT LAUDERDALE, FL 33312-1550 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Dec 07, 2022 |
| Property Address | 1148 RUBY ST, LAKELAND, FL 33815-4460 |
| Document Number | 0000317145 |
| Book / Page | 12510 / 754 |
| Map Reference | MB 7 PG 12 |
| Instrument Date | Nov 30, 2022 |
| Instrument | 2022317145 |
| Transaction Type | Construction Loan |
| Record Updated | Dec 19, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,302.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1830 W BROWARD BLVD, FORT LAUDERDALE, FL 33312-1550 |
| Name | Verified Name |
|---|---|
| Address | 3616 DAN UNIE LN, LAKELAND, FL 33812-4017 |
| Document Number | 0012510756 |
|---|---|
| Date | Dec 07, 2022 |
| Instrument | 12510/756 |
| Name | CENTRAL FLORIDA INCOME FUND LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Building or Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Dec 01, 2023 |
Source: Polk County records · Assessment roll updated July 23, 2026 · Last verified August 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 | $3,210.00 (-17.4%) Homeowner's exemption | $221,137 (+3.74%) Land $30,775 Building $190,362 | $221,137 (+3.74%) Land $30,775 Building $190,362 |
| 2023 | $3,886.00 (+115.17%) | $213,170 (+20.07%) Land $30,059 Building $183,111 | $213,170 (+20.07%) Land $30,059 Building $183,111 |
| 2022 | $1,806.00 | $177,533 Land $11,809 Building $165,724 | $177,533 Land $11,809 Building $165,724 |
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 | 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.
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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