Polk County property record for 119 Ruby Lake Dr, Winter Haven, FL 33884 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2010 |
| Square Footage | 2,060 sqft Living Area |
| Lot Size | 10,197 sqft (0.234 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $405,000 (2021) |
| Tax Bill | $5,703.00 (2025) |
| Primary APN | 27-29-07-856603-000270 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,060 sqft Living Area |
| Gross Area | 2,546 sqft Gross Area |
| 1st Floor | 2,060 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Wood Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 2010 |
| 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 | 10,197 sqft (0.234 acres) |
| Garage Type | Attached Garage |
| Garage Area | 486 sqft Garage |
| Pool Area | 392 sqft Pool |
| Porch Area | 253 sqft Porch |
| Cooling System | Central Cooling |
|---|
| Street Address | 119 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 27 |
| 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 | 27 |
| Jurisdiction | POLK FL |
| Minor Civil Division | LAKE WALES |
| Census Blockgroup | 1 |
| Census Block | 1039 |
| Census Tract | 14401 |
Source: Polk County records · APN 27-29-07-856603-000270
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 | 2765 NICHOLETTE DR, RENO, NV 89503 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Tenant By Entirety |
| Date | Document |
|---|---|
| Jul 22, 2021 | Warranty Deed, Transfer |
| Mar 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NFM LNDG |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 22, 2021 · Amount on Record |
| Deed Sale | Jul 22, 2021 · Amount on Record |
| Prior Sale | Aug 20, 2015 · Amount on Record |
| Deed Doc Number | 2021190529 |
| Deed Book / Page | 11814 / 1102 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 22, 2021 |
| Property Address | 119 RUBY LAKE DR, WINTER HAVEN, FL 33884-3265 |
| Document Number | 0000190529 |
| Book / Page | 11814 / 1102 |
| Map Reference | MB 105 PG 19&20 |
| Instrument Date | Jul 16, 2021 |
| Instrument | 2021190529 |
| Transaction Type | Transfer |
| Record Updated | Aug 09, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,835.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 30621 STEELMAN CT, 30621, SELBYVILLE, DE 19975-3937 |
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 2765 NICHOLETTE DRIVE, RENO, NV 89503 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 119 RUBY LAKE DR, WINTER HAVEN, FL 33884-3265 |
| Document Number | 0111811310 |
| Instrument Date | Mar 13, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 08, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 119 RUBY LAKE DR WINTER HAVEN FL 338843265, WINTER HAVEN, FL 33884-3265 |
| Document Number | 0111811310 |
|---|---|
| Date | Mar 19, 2020 |
| Book Page | 011181/001310 |
| Instrument | 63143 |
| Name | NFM LNDG |
|---|---|
| Address | LINTHICUM, MD 21090 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 18, 2050 |
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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,703.00 (+11.17%) Homeowner's exemption | $348,469 (-0.33%) Land $76,000 Building $272,469 | $348,469 (-0.33%) Land $76,000 Building $272,469 |
| 2023 | $5,130.00 (-11.61%) Homeowner's exemption | $349,619 (+14.6%) Land $74,000 Building $275,619 | $349,619 (+14.6%) Land $74,000 Building $275,619 |
| 2022 | $5,804.00 | $305,066 Land $62,000 Building $243,066 | $305,066 Land $62,000 Building $243,066 |
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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