Polk County property record for 127 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 2000 |
| Square Footage | 1,952 sqft Living Area |
| Lot Size | 10,624 sqft (0.244 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $131,000 (2010) |
| Tax Bill | $2,441.00 (2025) |
| Primary APN | 27-29-07-856603-000230 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,952 sqft Living Area |
| Gross Area | 2,472 sqft Gross Area |
| 1st Floor | 1,952 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| 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 | 10,624 sqft (0.244 acres) |
| Garage Type | Attached Garage |
| Garage Area | 520 sqft Garage |
| Porch Area | 363 sqft Porch |
| Street Address | 127 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 23 |
| 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 | 23 |
| Jurisdiction | POLK FL |
| Minor Civil Division | LAKE WALES |
| Census Blockgroup | 1 |
| Census Block | 1039 |
| Census Tract | 14401 |
Source: Polk County records · APN 27-29-07-856603-000230
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 | Individual Name on File |
|---|---|
| Mailing Address | 127 RUBY LAKE DR, WINTER HAVEN, FL 33884-3265 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 25, 2022 | Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NA |
| Mar 01, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PUBLIX EMPLOYEES FCU |
| Dec 12, 2019 | Deed of Trust, Mortgage · Conventional Mortgage PUBLIX EMPS FCU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 16, 2010 · Amount on Record |
| Deed Sale | Jul 16, 2010 · Amount on Record |
| Prior Sale | Jan 25, 2010 |
| Deed Doc Number | 2010111612 |
| Deed Book / Page | 8179 / 646 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 127 RUBY LAKE DR, WINTER HAVEN, FL 33884-3265 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|---|
| Address | 127 RUBY LAKE DR, WINTER HAVEN, FL 33884-3265 |
| Document Number | 0000201650 |
|---|---|
| Date | Jul 25, 2022 |
| Book Page | 12351/1018 |
| Instrument | 2022201650 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Address | WINTER HAVEN, FL 33880 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jul 20, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 127 RUBY LAKE DR, WINTER HAVEN, FL 33884-3265 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | RIDGE SECURITY TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 127 RUBY LAKE DR, WINTER HAVEN, FL 33884-3265 |
| Document Number | 0000051218 |
|---|---|
| Date | Mar 01, 2021 |
| Book Page | 11600/460 |
| Instrument | 2021051218 |
| Name | PUBLIX EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33815 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 127 RUBY LAKE DR, WINTER HAVEN, FL 33884-3265 |
| Document Number | 0110800055 |
| Instrument Date | Dec 12, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 10, 2020 |
| Title Company | RIDGE SECURITY TITLE INC, RIDGE SEC TITLE INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 127 RUBY LAKE DR WINTER HAVEN FL 338843265, WINTER HAVEN, FL 33884-3265 |
| Document Number | 0110800055 |
|---|---|
| Date | Dec 19, 2019 |
| Book Page | 011080/000055 |
| Instrument | 269121 |
| Name | PUBLIX EMPS FCU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 18, 2039 |
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 | $2,441.00 (+6.55%) Homeowner's exemption | $174,005 (+5.99%) | $302,552 (+1.34%) Land $76,000 Building $226,552 |
| 2023 | $2,291.00 (+3.24%) Homeowner's exemption | $164,176 (+3%) | $298,566 (+15.14%) Land $74,000 Building $224,566 |
| 2022 | $2,219.00 Homeowner's exemption | $159,394 | $259,311 Land $62,000 Building $197,311 |
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 AE, 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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