Polk County property record for 130 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 1998 |
| Square Footage | 1,849 sqft Living Area |
| Lot Size | 11,561 sqft (0.265 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $23,800 (1997) |
| Tax Bill | $2,690.00 (2025) |
| Primary APN | 27-29-07-856603-000160 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,849 sqft Living Area |
| Gross Area | 2,269 sqft Gross Area |
| 1st Floor | 1,849 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| 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 | 11,561 sqft (0.265 acres) |
| Garage Type | Attached Garage |
| Garage Area | 420 sqft Garage |
| Pool Area | 392 sqft Pool |
| Shed | 1 Shed |
| Porch Area | 163 sqft Porch |
| Cooling System | Central Cooling |
|---|
| Street Address | 130 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 16 |
| 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 | 16 |
| Jurisdiction | POLK FL |
| Minor Civil Division | LAKE WALES |
| Census Blockgroup | 1 |
| Census Block | 1036 |
| Census Tract | 14401 |
Source: Polk County records · APN 27-29-07-856603-000160
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 | 130 RUBY LAKE DR, WINTER HAVEN, FL 33884-3270 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| May 06, 2022 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Nov 08, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Dec 20, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Apr 04, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 19, 1997 · Amount on Record |
| Deed Sale | Nov 19, 1997 · Amount on Record |
| Prior Sale | Nov 19, 1997 · Amount on Record |
| Deed Book / Page | 3932 / 1142 |
| Last Transfer Date | Dec 12, 2019 |
| Transfer Doc | 0110820687 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 130 RUBY LAKE DR, WINTER HAVEN, FL 33884-3270 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2022 |
| Name | Verified Name |
|---|---|
| Address | 130 RUBY LAKE DR, WINTER HAVEN, FL 33884-3270 |
| Document Number | 0000125120 |
|---|---|
| Date | May 06, 2022 |
| Book Page | 12243/1492 |
| Instrument | 2022125120 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 354 Months |
| Due | Nov 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 130 RUBY LAKE DR, WINTER HAVEN, FL 33884-3270 |
| Transaction Type | Mortgage |
| Record Updated | Nov 23, 2021 |
| Name | Verified Name |
|---|---|
| Address | 130 RUBY LAKE DR, WINTER HAVEN, FL 33884-3270 |
| Document Number | 0000291295 |
|---|---|
| Date | Nov 08, 2021 |
| Book Page | 11972/1372 |
| Instrument | 2021291295 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Dec 20, 2019 |
| Property Address | 130 RUBY LAKE DR, WINTER HAVEN, FL 33884-3270 |
| Document Number | 0110820687 |
| Book / Page | 011082 / 000687 |
| Instrument Date | Dec 12, 2019 |
| Instrument | 270630 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 330 DINNER LAKE CT LAKE WALES FL 338592113, LAKE WALES, FL 33859-2113 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 04, 2019 |
| Property Address | 130 RUBY LAKE DR, WINTER HAVEN, FL 33884-3270 |
| Document Number | 0108000878 |
| Book / Page | 010800 / 000878 |
| Instrument Date | Feb 21, 2019 |
| Instrument | 68305 |
| Transaction Type | Transfer |
| Record Updated | Apr 19, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.70 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 130 RUBY LAKE DR WINTER HAVEN FL 338843270, WINTER HAVEN, FL 33884-3270 |
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 | $2,690.00 (+3.34%) Homeowner's exemption | $187,338 (+5.99%) | $309,132 (+3.55%) Land $76,000 Building $233,132 |
| 2024 | $2,603.00 (+2.93%) | ||
| 2023 | $2,529.00 (+3.18%) Homeowner's exemption | $176,755 (+3%) | $298,542 (+14.28%) Land $74,000 Building $224,542 |
| 2022 | $2,451.00 Homeowner's exemption | $171,607 | $261,244 Land $62,000 Building $199,244 |
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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