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

Polk County property record for 124 Ruby Lake Dr, Winter Haven, FL 33884 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 1998
Square Footage	2,440 sqft Living Area
Lot Size	12,245 sqft (0.281 acres)
Occupancy	Owner Occupied
Last Sale	$385,000 (2022)
Tax Bill	$5,416.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`27-29-07-856603-000140`
Alternative APNs	`072927856603000140` `72927000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,440 sqft Living Area
Gross Area	2,880 sqft Gross Area
1st Floor	2,440 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
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	12,245 sqft (0.281 acres)
Garage Type	Attached Garage
Garage Area	440 sqft Garage
Porch Area	179 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling

Location & Zoning

Street Address	124 RUBY LAKE DR
City	WINTER HAVEN
State	FL
Zip	33884-3270
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	RUBY LAKE PHASE ONE PB 105 PGS 19 & 20 LOT 14
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	14
Jurisdiction	POLK FL
Minor Civil Division	LAKE WALES
Census Blockgroup	1
Census Block	1036
Census Tract	14401

Owner

Source: Polk County records · APN 27-29-07-856603-000140

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	124 RUBY LAKE DR, WINTER HAVEN, FL 33884-3270
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Husband And Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 25, 2022 · Amount on Record
Deed Sale	Feb 25, 2022 · Amount on Record
Prior Sale	Apr 04, 2002 · Amount on Record
Deed Doc Number	202251489
Deed Book / Page	12133 / 1046
Record Refreshed	Sep 20, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Feb 25, 2022
Property Address	124 RUBY LAKE DR, WINTER HAVEN, FL 33884-3270
Document Number	0000051489
Book / Page	12133 / 1046
Map Reference	MB 105 PG 19&20
Instrument Date	Feb 23, 2022
Instrument	2022051489
Transaction Type	Transfer
Record Updated	Aug 02, 2022
Title Company	PINELLAS PARK TITLE, PINELLAS PARK TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,695.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7447 TERRACE RIVER DR, 7447, TEMPLE TERRACE, FL 33637-7924

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 RUBY LAKE DR, WINTER HAVEN, FL 33884-3270

Mortgage

Document Number	0121331047
Date	Feb 25, 2022
Instrument	12133/1047

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,416.00 (+0.04%) Homeowner's exemption	$333,126 (+1.1%) Land $76,000 Building $257,126	$333,126 (+1.1%) Land $76,000 Building $257,126
2023	$5,414.00 (+113.91%) Homeowner's exemption	$329,516 (+87.43%) Land $74,000 Building $255,516	$329,516 (+14.6%) Land $74,000 Building $255,516
2022	$2,531.00	$175,807	$287,546 Land $62,000 Building $225,546

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 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

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.