1220 1/2 Ruby St, Lakeland, FL 33815 Property Records

Polk County property record for 1220 1/2 Ruby St, Lakeland, FL 33815

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,533 sqft · built 1930
Lot Size	0.245 acres (10,672 sqft)
Owner	Company Name on Record
Last Sale	$90,000 (Sep 2020)
Tax Bill	$2,476 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-28-23-102000-002050`

Property Details

APN / Parcel Number

Primary APN	`23-28-23-102000-002050`
Alternative APN	`32823000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,533 sqft Living Area
1st Floor Area	1,533 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Other
Lot Area	10,672 sqft (0.245 acres)
Lot Dimensions	142 ft deep x 75 ft wide
View / Lot	Commercial/Industrial
Garage Type	Carport
Garage Area	210 sqft
Carport	Carport
Carport Area	210 sqft
Porch	Screened/Unfinished Porch
Porch Area	197 sqft

Location & Zoning

Street Address	1220 1/2 RUBY ST
City	LAKELAND
State	FL
Zip	33815-4462
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RB2
Legal Description	KELLOGG & ARMSTRONGS 1ST ADD PB 7 PG 12 BLK B LOT 5 & E 25 FT OF LOT 6
Legal Range	23E
Legal Township	28S
Legal Section	23
Legal Subdivision	KELLOGG AND ARMSTRONG 1ST ADDITION
Legal Tract	102000
Legal Block	B
Legal Lot Number	5,6
Jurisdiction	POLK FL
Township / Civil Division	LAKELAND
Census Block Group	2
Census Block	2033
Census Tract	10900

Owner

Source: Polk County records, as of September 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	4515 GEORGE RD, 355, TAMPA, FL 33634-7300
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2021	Deed of Trust, Mortgage BRIGHTSTAR CU
Sep 10, 2020	Warranty Deed, Transfer BAYPORT FNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 10, 2020 · Amount on Record
Deed Sale	Sep 10, 2020 · Amount on Record
Prior Sale	Apr 4, 2013
Deed Document Number	2020187558
Deed Book / Page	11369 / 1233
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	1220 RUBY ST, LAKELAND, FL 33815-4462
Document Number	0115572243
Instrument Date	Jan 25, 2021
Transaction Type	Mortgage
Record Updated	Feb 15, 2021
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4100 W KENNEDY BLVD #213 TAMPA FL 336092244, 213, TAMPA, FL 33609-2244

Mortgage

Document Number	0115572243
Date	Jan 29, 2021
Book Page	011557/002243
Instrument	23512

Lender

Name	BRIGHTSTAR CU
Type	Credit Union
Address	SUNRISE, FL 33313

Agreement

Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Sep 10, 2020
Property Address	1220 RUBY ST, LAKELAND, FL 33815-4462
Document Number	0113691233
Book / Page	011369 / 001233
Instrument Date	Aug 31, 2020
Instrument	187558
Transaction Type	Transfer
Record Updated	Sep 24, 2020
Title Company	PEER TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$630.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4100 W KENNEDY BLVD #213 TAMPA FL 336092244, 213, TAMPA, FL 33609-2244

Mortgage

Document Number	113691235
Date	Sep 10, 2020
Book Page	011369/001235
Instrument	187559

Lender

Name	BAYPORT FNDG
Type	Funding / Finance Company
Address	GREAT NECK, NY 11021

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$123,262 (+1%)	$232,710 (+17.48%) Land $62,255 Building $170,455
2025	$2,476.00 (+3.34%)	$112,056 (-44.28%)	$198,080 (-1.5%) Land $34,154 Building $163,926
2024	$2,396.00 (+5.36%)
2023	$2,274.00 (+34.8%)	$201,106 (+83.16%) Land $33,620 Building $167,486	$201,106 (+83.16%) Land $33,620 Building $167,486
2022	$1,687.00	$109,799 Land $17,610 Building $92,189	$109,799 Land $17,610 Building $92,189

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF LAKELAND serves 193,297 people · EPA ID FL6531014
Water Source	Groundwater
Last State Inspection	Jul 2022
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 353 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Tillman Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: AT&T, Frontier, T-Mobile, Verizon.

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