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203 Ruby Lake Ln, Winter Haven, FL 33884 Property Records

Polk County property record for 203 Ruby Lake Ln, Winter Haven, FL 33884 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2 Baths
Year BuiltBuilt 1998
Square Footage2,213 sqft Living Area
Lot Size10,202 sqft (0.234 acres)
OccupancyOwner Occupied
Last Sale$229,000 (2017)
Tax Bill$3,748.00 (2025)

Property Details

APN / Parcel Number

Primary APN27-29-07-856603-000120
Alternative APNs
  • 072927856603000120
  • 72927000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area2,213 sqft Living Area
Gross Area2,654 sqft Gross Area
1st Floor2,213 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 1998
Effective Year BuiltEffective 1998
Exterior MaterialStucco Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionHip Roof Construction
Roof MaterialOther (not Classified) Roof
Lot Area10,202 sqft (0.234 acres)
Garage TypeAttached Garage
Garage Area441 sqft Garage
Porch Area347 sqft Porch

Utilities and HVAC

Cooling SystemCentral Cooling

Location & Zoning

Street Address203 RUBY LAKE LN
CityWINTER HAVEN
StateFL
Zip33884-3267
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionRUBY LAKE PHASE ONE PB 105 PGS 19 & 20 LOT 12
Legal Range27E
Legal Township29S
Legal Section07
Legal SubdivisionRUBY LAKE PHASE ONE
Legal Phase1
Legal Tract856603
Legal Block1
Legal Lot Number12
JurisdictionPOLK FL
Minor Civil DivisionLAKE WALES
Census Blockgroup1
Census Block1036
Census Tract14401

Owner

Source: Polk County records · APN 27-29-07-856603-000120

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 Record2 Individual Names on File
Mailing Address203 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Jan 26, 2026Deed of Distribution, Transfer
ATTORNEY ONLY, ATTORNEY
Jan 26, 2026Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
Jun 17, 2020Deed of Trust, Mortgage · Veterans Administration Mortgage
AMERIFIRST FIN'L CORP
Jun 28, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY
May 01, 2017Warranty Deed, Transfer · Veterans Administration Mortgage
THE MTG FIRM

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 01, 2017 · Amount on Record
Deed SaleMay 01, 2017 · Amount on Record
Prior SaleApr 04, 2014 · Amount on Record
Deed Doc Number201782002
Deed Book / Page10132 / 2035
Last Transfer DateJan 22, 2026
Transfer Doc0000019865
Record RefreshedSep 20, 2026

January 2026: Deed of Distribution, Transfer

Document TypeDeed of Distribution
JurisdictionPOLK FL
Recording DateJan 26, 2026
Property Address203 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267
Document Number0000019864
Book / Page13858 / 1078
Map ReferenceMB 105 PG 19
Instrument DateJan 22, 2026
Instrument2026019864
Transaction TypeTransfer
Record UpdatedFeb 10, 2026
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address203 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267

Transferred To (Grantee/Buyer)

NameVerified Name
Address203 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267

January 2026: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionPOLK FL
Recording DateJan 26, 2026
Property Address203 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267
Document Number0000019865
Book / Page13858 / 1080
Map ReferenceMB 105 PG 19
Instrument DateJan 22, 2026
Instrument2026019865
Transaction TypeTransfer
Record UpdatedFeb 10, 2026
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address203 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address203 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address203 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267
Document Number0112740414
Instrument DateJun 17, 2020
Transaction TypeMortgage
Record UpdatedJul 15, 2020
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
Address203 RUBY LAKE LN WINTER HAVEN FL 338843267, WINTER HAVEN, FL 33884-3267

Mortgage

Document Number0112740414
DateJun 23, 2020
Book Page011274/000414
Instrument124626
Lender
NameAMERIFIRST FIN'L CORP
AddressPORTAGE, MI 49002
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueJun 22, 2050

June 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionPOLK FL
Recording DateJun 28, 2018
Property Address203 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267
Document Number0105321077
Book / Page010532 / 001077
Instrument DateJun 21, 2018
Instrument138351
Transaction TypeTransfer
Record UpdatedJul 13, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim Document

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address203 RUBY LAKE LN WINTER HAVEN FL 338843267, WINTER HAVEN, FL 33884-3267

May 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateMay 01, 2017
Property Address203 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267
Document Number0101322035
Book / Page010132 / 002035
Instrument DateApr 28, 2017
Instrument82002
Transaction TypeTransfer
Record UpdatedMar 27, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,603.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address114 MILL POINT DR HAMPTON VA 236693535, HAMPTON, VA 23669-3535

Mortgage

Document Number101322037
DateMay 01, 2017
Book Page010132/002037
Instrument82003
Lender
NameTHE MTG FIRM
TypeMortgage Company
AddressALTAMONTE SPRINGS, FL 32714
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueApr 30, 2047

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
MunicipalityWinter Haven City
Unified School DistrictPolk 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.

YearTax BillAssessed ValueAssessed Market Value
2025$3,748.00 (+5.97%) Homeowner's exemption$243,924 (+5.99%)$354,370 (+3.8%) Land $88,000 Building $266,370
2023$3,537.00 (+2.88%) Homeowner's exemption$230,146 (+3%)$341,413 (+14.62%) Land $86,000 Building $255,413
2022$3,438.00 Homeowner's exemption$223,443$297,871 Land $72,000 Building $225,871

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 ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone A, within 500 ft

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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