Polk County property record for 115 Ruby Lake Dr, Winter Haven, FL 33884 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,084 sqft · built 1999 |
| Lot Size | 0.283 acres (12,306 sqft) |
| Owner | Individual Name on File |
| Last Sale | $370,000 (Oct 2023) |
| Tax Bill | $1,967 (2025) |
| Deeds & Mortgages | Apr 2024 Reverse Mortgage Oct 2023 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-29-07-856603-000290 |
| Primary APN | 27-29-07-856603-000290 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,084 sqft Living Area |
| Gross Area | 2,483 sqft |
| 1st Floor Area | 2,084 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 12,306 sqft (0.283 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 399 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 46 sqft |
| Patio Area | 360 sqft |
| Street Address | 115 RUBY LAKE DR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-3265 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RUBY LAKE PHASE ONE PB 105 PGS 19 & 20 LOT 29 |
| 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 | 29 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKE WALES |
| Census Block Group | 1 |
| Census Block | 1039 |
| Census Tract | 14401 |
Source: Polk County records · APN 27-29-07-856603-000290
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 | Individual Name on File |
|---|---|
| Mailing Address | 115 RUBY LAKE DR, WINTER HAVEN, FL 33884-3265 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| Apr 25, 2024 | Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC |
| Oct 18, 2023 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Dec 15, 2022 | · Conventional Mortgage MIDFLORIDA CU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 18, 2023 · Amount on Record |
| Deed Sale | Oct 18, 2023 · Amount on Record |
| Prior Sale | Dec 03, 2014 · Amount on Record |
| Deed Document Number | 2023247466 |
| Deed Book / Page | 12879 / 1200 |
| Prior Transfer Date | Nov 30, 2022 |
| Prior Transfer Doc | 0000324235 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 115 RUBY LAKE DR, WINTER HAVEN, FL 33884-3265 |
| Transaction Type | Mortgage |
| Record Updated | May 08, 2024 |
| Name | Verified Name |
|---|---|
| Address | 115 RUBY LAKE DR, WINTER HAVEN, FL 33884-3265 |
| Document Number | 0000095861 |
|---|---|
| Date | Apr 25, 2024 |
| Book Page | 13092/258 |
| Instrument | 2024095861 |
| Name | FINANCE OF AMERICA REVERSE LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | TULSA, OK 74133 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 943 Months |
| Due | Nov 01, 2102 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.27% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Mar 01, 2024 |
| Change Frequency | Monthly |
| Index | 1-Year T-Bill |
| Max Rate | 12.2% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Oct 18, 2023 |
| Property Address | 115 RUBY LAKE DR, WINTER HAVEN, FL 33884-3265 |
| Document Number | 0000247466 |
| Book / Page | 12879 / 1200 |
| Map Reference | MB 105 PG 19 |
| Instrument Date | Oct 17, 2023 |
| Instrument | 2023247466 |
| Transaction Type | Transfer |
| Record Updated | Nov 01, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,590.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 321 WINDSOR CT, ALABASTER, AL 35007-4139 |
| Name | Verified Name |
|---|---|
| Address | 115 RUBY LAKE DR, WINTER HAVEN, FL 33884-3265 |
| Jurisdiction | POLK FL |
|---|---|
| Recording Date | Dec 15, 2022 |
| Property Address | 115 RUBY LAKE DR, WINTER HAVEN, FL 33884-3265 |
| Document Number | 0000324235 |
| Book / Page | 12519 / 1743 |
| Map Reference | MB 105 PG 19 |
| Instrument Date | Nov 30, 2022 |
| Instrument | 2022324235 |
| Record Updated | Nov 01, 2023 |
| Title Company | MIDFLORIDA TITLE PROFESSIONALS, MIDFLORIDA TTL PROFESSIONALS |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|---|
| Address | 177 E 22N #7575, 7575, GLENBROOK, NV 89413 |
| Name | Verified Name |
|---|---|
| Address | 115 RUBY LAKE DR, WINTER HAVEN, FL 33884-3265 |
| Document Number | 0125191745 |
|---|---|
| Date | Dec 15, 2022 |
| Instrument | 12519/1745 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.87% |
| Type Change Date | Jan 01, 2033 |
| Change Frequency | Annually |
| Min Rate At Change | 3.87% |
| Max Rate At Change | 7.87% |
| Index | 1-Year T-Bill |
| Max Rate | 9.87% |
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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,967.00 (+7.66%) | $148,661 (-18.8%) | $312,055 (+2.36%) Land $88,000 Building $224,055 |
| 2024 | $1,827.00 (-31%) | ||
| 2023 | $2,648.00 (+7.08%) Homeowner's exemption | $183,074 (+3%) | $304,858 (+14.5%) Land $86,000 Building $218,858 |
| 2022 | $2,473.00 Homeowner's exemption | $177,742 | $266,259 Land $72,000 Building $194,259 |
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 500 ft |
| 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.
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