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

Polk County property record for 224 Ruby Lake Ln, Winter Haven, FL 33884 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms3 Baths
Year BuiltBuilt 2001
Square Footage2,243 sqft Living Area
Lot Size19,380 sqft (0.445 acres)
OccupancyOwner Occupied
Last Sale$374,000 (2015)
Tax Bill$5,979.00 (2025)

Property Details

APN / Parcel Number

Primary APN27-29-07-856604-000820
Alternative APNs
  • 072927856604000820
  • 72927000

Interior

Bedrooms3 Beds
Full Baths3 Baths
Building Area2,243 sqft Living Area
Gross Area2,971 sqft Gross Area
1st Floor2,243 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2001
Effective Year BuiltEffective 2001
Exterior MaterialStucco Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionHip Roof Construction
Roof MaterialOther (not Classified) Roof
Lot Area19,380 sqft (0.445 acres)
Depth X Width176 ft x 95 ft Depth x Width
Garage TypeAttached Garage
Garage Area490 sqft Garage

Exterior Amenities

Pool Area312 sqft Pool
Patio Area510 sqft Patio
Porch Area292 sqft Porch
Boat AccessBoat Access

Location & Zoning

Street Address224 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 82
Legal Range27E
Legal Township29S
Legal Section07
Legal SubdivisionRUBY LAKE PHASE FOUR
Legal Phase4
Legal Tract856604
Legal Block1
Legal Lot Number82
JurisdictionPOLK FL
Minor Civil DivisionLAKE WALES
Census Blockgroup1
Census Block1035
Census Tract14401

Owner

Source: Polk County records · APN 27-29-07-856604-000820

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 Address224 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jul 05, 2022Deed of Trust, Mortgage · Line of Credit
SOUTH STATE BANK NA
Apr 09, 2021Deed of Trust, Mortgage · Conventional Mortgage
PENNYMAC LOAN SERVICES LLC
Nov 21, 2017Deed of Trust, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI)
PENNYMAC
Jan 31, 2017Deed of Trust, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI)
PENNYMAC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 14, 2015 · Amount on Record
Deed SaleAug 14, 2015 · Amount on Record
Prior SaleMay 02, 2000 · Amount on Record
Deed Doc Number2015148355
Deed Book / Page9603 / 604
Record RefreshedSep 20, 2026

July 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address224 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266
Transaction TypeMortgage
Record UpdatedJul 19, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address224 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266

Mortgage

Document Number0000181774
DateJul 05, 2022
Book Page12323/2224
Instrument2022181774
Lender
NameSOUTH STATE BANK NA
TypeBank
AddressLAKE WALES, FL 33853
Agreement
TypeLine of Credit
AmountAmount Recorded
Term119 Months
DueJun 20, 2032
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address224 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266
Transaction TypeMortgage
Record UpdatedApr 29, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address224 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266

Mortgage

Document Number0000090212
DateApr 09, 2021
Book Page11660/1941
Instrument2021090212
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 01, 2051

November 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address224 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266
Document Number0103300352
Book / Page010330 / 000352
Instrument DateNov 21, 2017
Transaction TypeMortgage
Record UpdatedJan 03, 2018
Title CompanyTITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address224 RUBY LAKE LN WINTER HAVEN FL 338843266, WINTER HAVEN, FL 33884-3266

Mortgage

Document Number0103300352
DateDec 04, 2017
Book Page010330/000352
Instrument231962
Lender
NamePENNYMAC
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeConventional Mortgage with Private Mortgage Insurance (PMI)
AmountAmount Recorded
Term360 Months
DueDec 03, 2047

January 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address224 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266
Document Number0100622180
Book / Page010062 / 002180
Instrument DateJan 31, 2017
Transaction TypeMortgage
Record UpdatedJun 13, 2017
Title CompanyTITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address224 RUBY LAKE LN WINTER HAVEN FL 338843266, WINTER HAVEN, FL 33884-3266

Mortgage

Document Number0100622180
DateFeb 10, 2017
Book Page010062/002180
Instrument27096
Lender
NamePENNYMAC
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeConventional Mortgage with Private Mortgage Insurance (PMI)
AmountAmount Recorded
Term360 Months
DueFeb 09, 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$5,979.00 (+5.58%) Homeowner's exemption$363,232 (+5.99%)$488,932 (+4.78%) Land $175,000 Building $313,932
2023$5,663.00 (+2.65%) Homeowner's exemption$342,714 (+3%)$466,629 (+18.52%) Land $170,000 Building $296,629
2022$5,517.00 Homeowner's exemption$332,732$393,700 Land $140,000 Building $253,700

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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