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123 Ruby Lake Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 123 Ruby Lake Dr, Winter Haven, FL 33884 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2015
Square Footage1,919 sqft Living Area
Lot Size18,090 sqft (0.415 acres)
OccupancyOwner Occupied
Last Sale$400,000 (2022)
Tax Bill$5,854.00 (2025)

Property Details

APN / Parcel Number

Primary APN27-29-07-856603-000250
Alternative APNs
  • 072927856603000250
  • 72927000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,919 sqft Living Area
Gross Area2,402 sqft Gross Area
1st Floor1,919 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2000
Effective Year BuiltEffective 2015
Exterior MaterialStucco Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionHip Roof Construction
Roof MaterialOther (not Classified) Roof
Lot Area18,090 sqft (0.415 acres)
Garage TypeAttached Garage
Garage Area483 sqft Garage
Patio Area81 sqft Patio
Porch Area85 sqft Porch

Location & Zoning

Street Address123 RUBY LAKE DR
CityWINTER HAVEN
StateFL
Zip33884-3265
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionRUBY LAKE PHASE ONE PB 105 PGS 19 & 20 LOT 25
Legal Range27E
Legal Township29S
Legal Section07
Legal SubdivisionRUBY LAKE PHASE ONE
Legal Phase1
Legal Tract856603
Legal Block1
Legal Lot Number25
JurisdictionPOLK FL
Minor Civil DivisionLAKE WALES
Census Blockgroup1
Census Block1039
Census Tract14401

Owner

Source: Polk County records · APN 27-29-07-856603-000250

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 Record2 Individual Names on File
Mailing Address123 RUBY LAKE DR, WINTER HAVEN, FL 33884-3265
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jun 23, 2022Deed, Transfer · Federal Housing Administration (FHA) Mortgage
HAMILTON HOME LOANS INC
Mar 03, 2020Quit Claim Deed, Transfer
ATTORNEY ONLY
Sep 20, 2018Warranty Deed, Transfer · Conventional Mortgage
GTE FCU

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 23, 2022 · Amount on Record
Deed SaleJun 23, 2022 · Amount on Record
Prior SaleSep 20, 2018 · Amount on Record
Deed Doc Number2022172280
Deed Book / Page12309 / 2127
Prior Transfer DateFeb 26, 2020
Prior Transfer Doc0111610817
Record RefreshedSep 20, 2026

June 2022: Deed, Transfer

Document TypeDeed
JurisdictionPOLK FL
Recording DateJun 23, 2022
Property Address123 RUBY LAKE DR, WINTER HAVEN, FL 33884-3265
Document Number0000172280
Book / Page12309 / 2127
Map ReferenceMB 105 PG 19
Instrument DateJun 23, 2022
Instrument2022172280
Transaction TypeTransfer
Record UpdatedJan 19, 2023
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,800.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address355 MEDORA ST, AUBURNDALE, FL 33823-8304

Transferred To (Grantee/Buyer)

NameVerified Name
Address123 RUBY LAKE DR, WINTER HAVEN, FL 33884-3265

Mortgage

Document Number0000172281
DateJun 23, 2022
Book Page12309/2128
Instrument2022172281
Lender
NameHAMILTON HOME LOANS INC
TypeMortgage Company
AddressFORT LAUDERDALE, FL 33323
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2052

March 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionPOLK FL
Recording DateMar 03, 2020
Property Address123 RUBY LAKE DR, WINTER HAVEN, FL 33884-3265
Document Number0111610817
Book / Page011161 / 000817
Instrument DateFeb 26, 2020
Instrument49040
Transaction TypeTransfer
Record UpdatedMar 23, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim Document

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address123 RUBY LAKE DR WINTER HAVEN FL 338843265, WINTER HAVEN, FL 33884-3265

September 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateSep 20, 2018
Property Address123 RUBY LAKE DR, WINTER HAVEN, FL 33884-3265
Document Number0106171940
Book / Page010617 / 001940
Instrument DateSep 17, 2018
Instrument199796
Transaction TypeTransfer
Record UpdatedOct 05, 2018
Title CompanySMART TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,330.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address123 RUBY LAKE DR WINTER HAVEN FL 338843265, WINTER HAVEN, FL 33884-3265

Mortgage

Document Number106171942
DateSep 20, 2018
Book Page010617/001942
Instrument199797
Lender
NameGTE FCU
TypeCredit Union
AddressTAMPA, FL 33602
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueSep 19, 2033

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
MunicipalityWinter Haven City
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$5,854.00 (+12.38%) Homeowner's exemption$313,127 (+0.37%) Land $76,000 Building $237,127$313,127 (+0.37%) Land $76,000 Building $237,127
2024$5,209.00 (+2.48%)
2023$5,083.00 (+128.76%) Homeowner's exemption$311,982 (+95.51%) Land $74,000 Building $237,982$311,982 (+34.91%) Land $74,000 Building $237,982
2022$2,222.00$159,577$231,253 Land $62,000 Building $169,253

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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