Polk County property record for 129 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 2010 |
| Square Footage | 1,929 sqft Living Area |
| Lot Size | 10,624 sqft (0.244 acres) |
| Garage | Attached, 483 sqft |
| Last Sale | $396,000 (2022) |
| Tax Bill | $5,642.00 (2025) |
| Primary APN | 27-29-07-856603-000220 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,929 sqft Living Area |
| Gross Area | 2,412 sqft Gross Area |
| 1st Floor | 1,929 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2010 |
| 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 | 483 sqft Garage |
| Patio Area | 81 sqft Patio |
| Porch Area | 75 sqft Porch |
| Street Address | 129 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 22 |
| 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 | 22 |
| Jurisdiction | POLK FL |
| Minor Civil Division | LAKE WALES |
| Census Blockgroup | 1 |
| Census Block | 1039 |
| Census Tract | 14401 |
Source: Polk County records · APN 27-29-07-856603-000220
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 | Company Name on File |
|---|---|
| Mailing Address | 15771 RED HILL AVE, 100, TUSTIN, CA 92780-7333 |
| Owner Type | Owner is a Company |
| Date | Document |
|---|---|
| Jul 25, 2023 | Deed of Trust, Mortgage · Commercial Mortgage MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS |
| Jul 17, 2023 | Intrafamily Transfer, Transfer OS NATIONAL LLC |
| Apr 29, 2022 | Warranty Deed, Transfer OS NATIONAL LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 29, 2022 · Amount on Record |
| Deed Sale | Apr 29, 2022 · Amount on Record |
| Prior Sale | Apr 17, 2009 · Amount on Record |
| Deed Doc Number | 2022116700 |
| Deed Book / Page | 12231 / 1070 |
| Prior Transfer Date | Nov 17, 2014 |
| Prior Transfer Doc | 0000203942 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 129 RUBY LAKE DR, WINTER HAVEN, FL 33884-3265 |
| Transaction Type | Mortgage |
| Record Updated | Aug 07, 2023 |
| Title Company | OS NATIONAL LLC |
| Name | Verified Name |
|---|
| Document Number | 0000172360 |
|---|---|
| Date | Jul 25, 2023 |
| Book Page | 12775/867 |
| Instrument | 2023172360 |
| Name | MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10036 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 17, 2023 |
| Property Address | 129 RUBY LAKE DR, WINTER HAVEN, FL 33884-3265 |
| Document Number | 0000165529 |
| Book / Page | 12765 / 1131 |
| Map Reference | MB 105 PG 19 |
| Instrument Date | Jul 11, 2023 |
| Instrument | 2023165529 |
| Transaction Type | Transfer |
| Record Updated | Aug 07, 2023 |
| Title Company | OS NATIONAL LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 15771 RED HILL AVE, TUSTIN, CA 92780-7333 |
| Name | Verified Name |
|---|---|
| Address | 15771 RED HILL AVE, TUSTIN, CA 92780-7333 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 29, 2022 |
| Property Address | 129 RUBY LAKE DR, WINTER HAVEN, FL 33884-3265 |
| Document Number | 0000116700 |
| Book / Page | 12231 / 1070 |
| Map Reference | MB 105 PG 19 |
| Instrument Date | Mar 31, 2022 |
| Instrument | 2022116700 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2022 |
| Title Company | OS NATIONAL LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,772.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 245W W CENTRAL AVE # 101101, 245W, WINTER HAVEN, FL 33880-2958 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 15087, SANTA ANA, CA 92735-0087 |
| Investor | Possibly a Property Investor |
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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,642.00 (-3.54%) | $301,790 (-0.47%) Land $76,000 Building $225,790 | $301,790 (-0.47%) Land $76,000 Building $225,790 |
| 2024 | $5,849.00 (+2.13%) | ||
| 2023 | $5,727.00 (+172.97%) | $303,221 (+98.14%) Land $74,000 Building $229,221 | $303,221 (+21%) Land $74,000 Building $229,221 |
| 2022 | $2,098.00 | $153,037 | $250,600 Land $62,000 Building $188,600 |
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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