Polk County property record for 1766 Ruby Ln, Lake Alfred, FL 33850 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 3,443 sqft · built 2025 |
| Lot Size | 0.133 acres (5,802 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $496,400 (Aug 2025) |
| Tax Bill | $867 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Aug 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-27-18-489350-003890 |
| Primary APN | 26-27-18-489350-003890 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 3,443 sqft Living Area |
| Gross Area | 4,082 sqft |
| 1st Floor Area | 1,657 sqft |
| Year Built | Built 2025 |
|---|---|
| Effective Year Built | Effective 2025 |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 5,802 sqft (0.133 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 639 sqft |
| Porch | Unfinished Open Porch |
| Street Address | 1766 RUBY LN |
|---|---|
| City | LAKE ALFRED |
| State | FL |
| Zip | 33850-7148 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SILVERLAKE PHASE 2 PB 205 PGS 18-25 LOT 389 |
| Legal Subdivision | SILVERLAKE PHASE 2 |
| Legal Lot Number | 389 |
| Jurisdiction | POLK FL |
| Township / Civil Division | HAINES CITY |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 12409 |
Source: Polk County records · APN 26-27-18-489350-003890
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 | 1766 RUBY LN, LAKE ALFRED, FL 33850-7148 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| May 05, 2026 | Deed of Trust, Mortgage · VA Mortgage UNITED MORTGAGE LENDING |
| Aug 21, 2025 | Special Warranty Deed, Subdivision Related Transfer · VA Mortgage PULTE MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 21, 2025 · Amount on Record |
| Deed Sale | Aug 21, 2025 · Amount on Record |
| Deed Document Number | 2025195620 |
| Deed Book / Page | 13669 / 803 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 05, 2026 |
| Property Address | 1766 RUBY LN, LAKE ALFRED, FL 33850-7148 |
| Document Number | 0000107327 |
| Book / Page | 13985 / 1120 |
| Instrument Date | Apr 29, 2026 |
| Instrument | 2026107327 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1766 RUBY LN, LAKE ALFRED, FL 33850-7148 |
| Document Number | 0000107327, |
|---|---|
| Date | May 05, 2026 |
| Book Page | 13985/1120 |
| Instrument | 2026107327 |
| Name | UNITED MORTGAGE LENDING |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.46% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 21, 2025 |
| Property Address | 1766 RUBY LN, LAKE ALFRED, FL 33850-7148 |
| Document Number | 0000195620 |
| Book / Page | 13669 / 803 |
| Map Reference | MB 205 PG 18-25 |
| Instrument Date | Aug 14, 2025 |
| Instrument | 2025195620 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 13, 2026 |
| Title Company | PGP TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,474.80 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2662 S FALKENBURG RD, RIVERVIEW, FL 33578-2553 |
| Name | Verified Name |
|---|---|
| Address | 1766 RUBY LN, LAKE ALFRED, FL 33850-7148 |
| Document Number | 0013669805 |
|---|---|
| Date | Aug 21, 2025 |
| Instrument | 13669/805 |
| Name | PULTE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2055 |
Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Lake Alfred City |
| Unified School District | Polk County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $867.00 (+287.05%) | $46,000 Land $46,000 | $46,000 Land $46,000 |
| 2024 | $224.00 |
Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050124091, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 33 individual NFIP policies nearby |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 33 in force |
| Nearby Flood Claims | 6 (2004–2022) |
| Claims Outside the SFHA | 3 of 6 |
| Most Recent Claim | Sep 2022, rainfall accumulation, Hurricane Ian |
| Claims By Storm |
|
| Wildfire Risk | High above 83% of the US · above 74% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 118 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 1 locations within about half a mile of this property, a small sample
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Fiber | 1,000 / 1,000 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures