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

Polk County property record for 218 Ruby Lake Ln, Winter Haven, FL 33884 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms3 Baths
Year BuiltBuilt 2013
Square Footage2,545 sqft Living Area
Lot Size23,422 sqft (0.538 acres)
OccupancyOwner Occupied
Last Sale$480,000 (2019)
Tax Bill$9,489.00 (2025)

Property Details

APN / Parcel Number

Primary APN27-29-07-856604-000790
Alternative APNs
  • 072927856604000790
  • 72927000

Interior

Bedrooms4 Beds
Full Baths3 Baths
Building Area2,545 sqft Living Area
Gross Area3,367 sqft Gross Area
1st Floor2,545 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2001
Effective Year BuiltEffective 2013
Exterior MaterialStucco Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionHip Roof Construction
Roof MaterialOther (not Classified) Roof
Lot Area23,422 sqft (0.538 acres)
Depth X Width195 ft x 116 ft Depth x Width
Garage TypeAttached Garage
Garage Area552 sqft Garage

Exterior Amenities

Pool Area288 sqft Pool
Patio Area60 sqft Patio
Porch Area336 sqft Porch
Boat AccessBoat Access

Location & Zoning

Street Address218 RUBY LAKE LN
CityWINTER HAVEN
StateFL
Zip33884-3266
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionRUBY LAKE PHASE FOUR PB 108 PGS 21 THRU 23 LOT 79
Legal Range27E
Legal Township29S
Legal Section07
Legal SubdivisionRUBY LAKE PHASE FOUR
Legal Phase4
Legal Tract856604
Legal Block1
Legal Lot Number79
JurisdictionPOLK FL
Minor Civil DivisionLAKE WALES
Census Blockgroup1
Census Block1035
Census Tract14401

Owner

Source: Polk County records · APN 27-29-07-856604-000790

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 Address218 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Sep 22, 2020Deed of Trust, Mortgage · Conventional Mortgage
JP MORGAN CHASE BK
May 20, 2019Warranty Deed, Transfer · Conventional Mortgage
JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 20, 2019 · Amount on Record
Deed SaleMay 20, 2019 · Amount on Record
Prior SaleMar 29, 2012 · Amount on Record
Deed Doc Number2019102559
Deed Book / Page10846 / 27
Record RefreshedSep 20, 2026

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address218 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266
Document Number0113940809
Instrument DateSep 22, 2020
Transaction TypeMortgage
Record UpdatedOct 22, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address218 RUBY LAKE LN WINTER HAVEN FL 338843266, WINTER HAVEN, FL 33884-3266

Mortgage

Document Number0113940809
DateSep 30, 2020
Book Page011394/000809
Instrument204357
Lender
NameJP MORGAN CHASE BK
TypeBank
AddressCOLUMBUS, OH 43240-2050
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueSep 29, 2040

May 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateMay 20, 2019
Property Address218 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266
Document Number0108460027
Book / Page010846 / 000027
Instrument DateMay 17, 2019
Instrument102559
Transaction TypeTransfer
Record UpdatedJun 04, 2019
Title CompanyINTEGRITY FIRST TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,360.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address218 RUBY LAKE LN WINTER HAVEN FL 338843266, WINTER HAVEN, FL 33884-3266

Mortgage

Document Number108460029
DateMay 20, 2019
Book Page010846/000029
Instrument102560
Lender
NameJP MORGAN CHASE BK
TypeBank
AddressCOLUMBUS, OH 43240-2050
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMay 19, 2049

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$9,489.00 (+1.26%) Homeowner's exemption$550,955 (+4.18%) Land $175,000 Building $375,955$550,955 (+4.18%) Land $175,000 Building $375,955
2023$9,371.00 (+11.87%)$528,874 (+19.36%) Land $170,000 Building $358,874$528,874 (+19.36%) Land $170,000 Building $358,874
2022$8,377.00$443,104 Land $140,000 Building $303,104$443,104 Land $140,000 Building $303,104

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 AE, within 100 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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