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

Polk County property record for 135 Ruby Lake Dr, Winter Haven, FL 33884 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,824 sqft · built 1999
Lot Size	0.252 acres (10,990 sqft)
Owner	2 Individual Names on File
Last Sale	$251,900 (Oct 2005)
Tax Bill	$2,770 (2025)
Deeds & Mortgages	Mar 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`27-29-07-856603-000190`

Property Details

APN / Parcel Number

Primary APN	`27-29-07-856603-000190`
Alternative APNs	`072927856603000190` `72927000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,824 sqft Living Area
Gross Area	2,412 sqft
1st Floor Area	1,824 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Other
Lot Area	10,990 sqft (0.252 acres)
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	588 sqft
Pool Area	392 sqft
Porch	Unfinished Open Porch
Porch Area	315 sqft

Location & Zoning

Street Address	135 RUBY LAKE DR
City	WINTER HAVEN
State	FL
Zip	33884-3265
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RUBY LAKE PHASE ONE PB 105 PGS 19 & 20 LOT 19
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	19
Jurisdiction	POLK FL
Township / Civil Division	LAKE WALES
Census Block Group	1
Census Block	1039
Census Tract	14401

Owner

Source: Polk County records · APN 27-29-07-856603-000190

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	135 RUBY LAKE DR, WINTER HAVEN, FL 33884-3265
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 13, 2005 · Amount on Record
Deed Sale	Oct 13, 2005 · Amount on Record
Prior Sale	Aug 09, 1999 · Amount on Record
Deed Document Number	2005249879
Deed Book / Page	6440 / 1753
Prior Transfer Date	Apr 29, 2004
Prior Transfer Doc	0057740946
Record Updated	Sep 20, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	135 RUBY LAKE DR, WINTER HAVEN, FL 33884-3265
Document Number	0104451938
Instrument Date	Mar 09, 2018
Transaction Type	Mortgage
Record Updated	May 11, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	135 RUBY LAKE DR WINTER HAVEN FL 338843265, WINTER HAVEN, FL 33884-3265

Mortgage

Document Number	0104451938
Date	Apr 05, 2018
Book Page	010445/001938
Instrument	73102

Lender

Name	RAILROAD & IND'L FCU
Type	Credit Union
Address	TAMPA, FL 33619

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 04, 2048

Interest

Rate Type	Adjustable Rate

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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,770.00 (+3.32%) Homeowner's exemption	$191,640 (+5.99%)	$319,853 (+4.33%) Land $76,000 Building $243,853
2024	$2,681.00 (+2.92%)
2023	$2,605.00 (+3.13%) Homeowner's exemption	$180,815 (+3%)	$306,569 (+15.65%) Land $74,000 Building $232,569
2022	$2,526.00 Homeowner's exemption	$175,549	$265,076 Land $62,000 Building $203,076

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.