Polk County property record for 1226 Ruby St, Lakeland, FL 33815 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,188 sqft · built 2007 |
| Lot Size | 0.245 acres (10,672 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $144,000 (Jul 2019) |
| Tax Bill | $3,133 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Jul 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-28-23-102000-002061 |
| Primary APN | 23-28-23-102000-002061 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,188 sqft Living Area |
| Gross Area | 1,474 sqft |
| 1st Floor Area | 1,188 sqft |
| Flooring | Carpet |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| 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 | Attached |
| Garage Area | 286 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 48 sqft |
| Street Address | 1226 RUBY ST |
|---|---|
| City | LAKELAND |
| State | FL |
| Zip | 33815-4462 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KELLOGG & ARMSTRONGS 1ST ADD PB 7 PG 12 BLK B LOTS 6 W1/2 & 7 |
| 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 | 6 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKELAND |
| Census Block Group | 2 |
| Census Block | 2033 |
| Census Tract | 10900 |
Source: Polk County records · APN 23-28-23-102000-002061
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 | 1226 RUBY ST, LAKELAND, FL 33815-4462 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 14, 2021 | Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Jul 01, 2019 | Warranty Deed, Transfer · FHA Mortgage CARDINAL FIN'L |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 01, 2019 · Amount on Record |
| Deed Sale | Jul 01, 2019 · Amount on Record |
| Prior Sale | Sep 22, 2006 · Amount on Record |
| Deed Document Number | 2019137092 |
| Deed Book / Page | 10893 / 1043 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 1226 RUBY ST, LAKELAND, FL 33815-4462 |
| Transaction Type | Mortgage |
| Record Updated | Aug 02, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1226 RUBY ST, LAKELAND, FL 33815-4462 |
| Document Number | 0000324378 |
|---|---|
| Date | Dec 14, 2021 |
| Book Page | 12025/304 |
| Instrument | 20210324378 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 01, 2019 |
| Property Address | 1226 RUBY ST, LAKELAND, FL 33815-4462 |
| Document Number | 0108931043 |
| Book / Page | 010893 / 001043 |
| Instrument Date | Jul 01, 2019 |
| Instrument | 137092 |
| Transaction Type | Transfer |
| Record Updated | Jul 16, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,008.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1226 RUBY ST LAKELAND FL 338154462, LAKELAND, FL 33815-4462 |
| Document Number | 108931045 |
|---|---|
| Date | Jul 01, 2019 |
| Book Page | 010893/001045 |
| Instrument | 137093 |
| Name | CARDINAL FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | CHARLOTTE, NC 28273 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 30, 2049 |
Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 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 | $3,133.00 (+10.98%) | $166,033 (-15.6%) | $192,144 (-2.33%) Land $34,154 Building $157,990 |
| 2023 | $2,823.00 (+12.29%) | $196,727 (+19.09%) Land $33,620 Building $163,107 | $196,727 (+19.09%) Land $33,620 Building $163,107 |
| 2022 | $2,514.00 | $165,185 Land $17,610 Building $147,575 | $165,185 Land $17,610 Building $147,575 |
Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050109002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 3 in force |
| 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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 353 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Tillman Global Holdings | Fiber | 2,000 / 2,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: AT&T, Verizon, Frontier, T-Mobile USA, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures