Polk County property record for 216 Ruby Lake Ln, Winter Haven, FL 33884 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2005 |
| Square Footage | 2,890 sqft Living Area |
| Lot Size | 26,306 sqft (0.604 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $795,000 (2025) |
| Tax Bill | $6,625.00 (2025) |
| Primary APN | 27-29-07-856604-000780 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,890 sqft Living Area |
| Gross Area | 3,789 sqft Gross Area |
| 1st Floor | 2,890 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Wood Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2005 |
| 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 | 26,306 sqft (0.604 acres) |
| Depth X Width | 229 ft x 113 ft Depth x Width |
| Garage Type | Attached Garage |
| Garage Area | 639 sqft Garage |
| Pool Area | 364 sqft Pool |
| Porch Area | 302 sqft Porch |
| Boat Access | Boat Access |
| Street Address | 216 RUBY LAKE LN |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-3266 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | RUBY LAKE PHASE FOUR PB 108 PGS 21 THRU 23 LOT 78 |
| Legal Range | 27E |
| Legal Township | 29S |
| Legal Section | 07 |
| Legal Subdivision | RUBY LAKE PHASE FOUR |
| Legal Phase | 4 |
| Legal Tract | 856604 |
| Legal Block | 1 |
| Legal Lot Number | 78 |
| Jurisdiction | POLK FL |
| Minor Civil Division | LAKE WALES |
| Census Blockgroup | 1 |
| Census Block | 1035 |
| Census Tract | 14401 |
Source: Polk County records · APN 27-29-07-856604-000780
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 | 216 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Husband And Wife |
| Date | Document |
|---|---|
| Jul 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Sep 25, 2025 | Warranty Deed, Transfer · Conventional Mortgage MIDFLORIDA CU |
| Jul 21, 2023 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 25, 2025 · Amount on Record |
| Deed Sale | Sep 25, 2025 · Amount on Record |
| Prior Sale | Dec 30, 2014 · Amount on Record |
| Deed Doc Number | 2025225681 |
| Deed Book / Page | 13712 / 1213 |
| Transfer Doc | 0045080064 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 216 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2025 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0000178542 |
|---|---|
| Date | Jul 12, 2021 |
| Book Page | 11796/249 |
| Instrument | 2021178542 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 108 Months |
| Due | Jul 01, 2030 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Sep 25, 2025 |
| Property Address | 216 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266 |
| Document Number | 0000225681 |
| Book / Page | 13712 / 1213 |
| Map Reference | MB 108 PG 21-23 |
| Instrument Date | Sep 11, 2025 |
| Instrument | 2025225681 |
| Transaction Type | Transfer |
| Record Updated | Oct 17, 2025 |
| Title Company | ALL REAL ESTATE TITLE SERVICES INC, REAL ESTATE TITLE SVCS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,565.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 216 LAKE RUBY LANE, WINTER HAVEN, FL 33884-3266 |
| Document Number | 0137121215 |
|---|---|
| Date | Sep 25, 2025 |
| Instrument | 13712/1215 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Type Change Date | Oct 01, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 4.5% |
| Max Rate At Change | 6.5% |
| Index | 52-Week T-Bill (1-Year) |
| Max Rate | 9.5% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jul 21, 2023 |
| Property Address | 216 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266 |
| Document Number | 0000169516 |
| Book / Page | 12771 / 1351 |
| Map Reference | MB 108 PG 21 |
| Instrument Date | Jul 13, 2023 |
| Instrument | 2023169516 |
| Transaction Type | Transfer |
| Record Updated | Aug 07, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 216 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266 |
| Name | Verified Name |
|---|---|
| Address | 216 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266 |
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 | $6,625.00 (+3.03%) | $397,804 (+2.9%) | $561,672 (-1.7%) Land $175,000 Building $386,672 |
| 2024 | $6,430.00 (+2.4%) Homeowner's exemption | $386,593 (+3%) | $571,397 (+7.44%) Land $175,000 Building $396,397 |
| 2023 | $6,279.00 (+2.6%) Homeowner's exemption | $375,333 (+3%) | $531,809 (+18.45%) Land $170,000 Building $361,809 |
| 2022 | $6,120.00 Homeowner's exemption | $364,401 | $448,973 Land $140,000 Building $308,973 |
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 100 ft |
| Wildfire Risk | Low above 7% of the US · above 6% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 5,882 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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