Polk County property record for 128 Ruby Lake Dr, Winter Haven, FL 33884 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1999 |
| Square Footage | 2,058 sqft Living Area |
| Lot Size | 11,561 sqft (0.265 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $219,000 (2005) |
| Tax Bill | $2,987.00 (2025) |
| Primary APN | 27-29-07-856603-000150 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,058 sqft Living Area |
| Gross Area | 2,598 sqft Gross Area |
| 1st Floor | 2,058 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| 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 | 11,561 sqft (0.265 acres) |
| Garage Type | Attached Garage |
| Garage Area | 540 sqft Garage |
| Porch Area | 395 sqft Porch |
| Street Address | 128 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 15 |
| 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 | 15 |
| Jurisdiction | POLK FL |
| Minor Civil Division | LAKE WALES |
| Census Blockgroup | 1 |
| Census Block | 1036 |
| Census Tract | 14401 |
Source: Polk County records · APN 27-29-07-856603-000150
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 | 128 RUBY LAKE DR, WINTER HAVEN, FL 33884-3270 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 06, 2023 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU |
| Jan 31, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MIDFLORIDA CU ISAOA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 24, 2005 · Amount on Record |
| Deed Sale | May 24, 2005 · Amount on Record |
| Prior Sale | Apr 03, 2003 · Amount on Record |
| Deed Doc Number | 2005120395 |
| Deed Book / Page | 6218 / 274 |
| Prior Transfer Date | Mar 28, 2003 |
| Prior Transfer Doc | 5312001288 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 128 RUBY LAKE DR, WINTER HAVEN, FL 33884-3270 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000236098 |
|---|---|
| Date | Oct 06, 2023 |
| Book Page | 12863/1367 |
| Instrument | 2023236098 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 15, 2043 |
| 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 | 128 RUBY LAKE DR, WINTER HAVEN, FL 33884-3270 |
| Document Number | 0111311115 |
| Instrument Date | Jan 31, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 03, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 128 RUBY LAKE DR WINTER HAVEN FL 338843270, WINTER HAVEN, FL 33884-3270 |
| Document Number | 0111311115 |
|---|---|
| Date | Feb 05, 2020 |
| Book Page | 011131/001115 |
| Instrument | 27689 |
| Name | MIDFLORIDA CU ISAOA |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802-8008 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 04, 2050 |
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 | $2,987.00 (+6.22%) Homeowner's exemption | $203,203 (+5.99%) | $336,977 (+3.53%) Land $76,000 Building $260,977 |
| 2023 | $2,812.00 (+3.08%) Homeowner's exemption | $191,724 (+3%) | $325,476 (+15.58%) Land $74,000 Building $251,476 |
| 2022 | $2,728.00 Homeowner's exemption | $186,140 | $281,613 Land $62,000 Building $219,613 |
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 A, 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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