Polk County property record for 223 Ruby Lake Ln, Winter Haven, FL 33884 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2000 |
| Square Footage | 2,420 sqft Living Area |
| Lot Size | 12,066 sqft (0.277 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $274,000 (2019) |
| Tax Bill | $4,818.00 (2025) |
| Primary APN | 27-29-07-856604-001360 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,420 sqft Living Area |
| Gross Area | 2,912 sqft Gross Area |
| 1st Floor | 2,420 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| 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 | 12,066 sqft (0.277 acres) |
| Garage Type | Attached Garage |
| Garage Area | 492 sqft Garage |
| Porch Area | 221 sqft Porch |
| Street Address | 223 RUBY LAKE LN |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-3267 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | RUBY LAKE PHASE FOUR PB 108 PGS 21 THRU 23 LOT 136 |
| 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 | 136 |
| Jurisdiction | POLK FL |
| Minor Civil Division | LAKE WALES |
| Census Blockgroup | 1 |
| Census Block | 1035 |
| Census Tract | 14401 |
Source: Polk County records · APN 27-29-07-856604-001360
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 | 2020 LIAMARIE WAY, WINTER HAVEN, FL 33884-3092 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Aug 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK |
| Dec 10, 2019 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage MORTGAGE FIRM |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 10, 2019 · Amount on Record |
| Deed Sale | Dec 10, 2019 · Amount on Record |
| Prior Sale | Jul 24, 2012 · Amount on Record |
| Deed Doc Number | 2019261694 |
| Deed Book / Page | 11069 / 1853 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 223 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267 |
| Transaction Type | Mortgage |
| Record Updated | Sep 09, 2021 |
| Name | Verified Name |
|---|---|
| Address | 223 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267 |
| Document Number | 0000222837 |
|---|---|
| Date | Aug 26, 2021 |
| Book Page | 11864/697 |
| Instrument | 2021222837 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, VA 23224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Dec 10, 2019 |
| Property Address | 223 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267 |
| Document Number | 0110691853 |
| Book / Page | 011069 / 001853 |
| Instrument Date | Dec 04, 2019 |
| Instrument | 261694 |
| Transaction Type | Transfer |
| Record Updated | Dec 27, 2019 |
| Title Company | UNITY ONE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,918.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 402 BIGSTAFF CT WINTER HAVEN FL 338842957, WINTER HAVEN, FL 33884-2957 |
| Document Number | 110691854 |
|---|---|
| Date | Dec 10, 2019 |
| Book Page | 011069/001854 |
| Instrument | 261695 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 09, 2049 |
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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,818.00 (+20.03%) | $301,143 (+17.93%) | $380,552 (+9.74%) Land $88,000 Building $292,552 |
| 2023 | $4,014.00 (+2.84%) Homeowner's exemption | $255,365 (+3%) | $346,791 (+14.04%) Land $86,000 Building $260,791 |
| 2022 | $3,903.00 Homeowner's exemption | $247,927 | $304,090 Land $72,000 Building $232,090 |
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 A, within 500 ft |
| 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.
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