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

Polk County property record for 225 Ruby Lake Ln, Winter Haven, FL 33884 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2 Baths
Year BuiltBuilt 2001
Square Footage2,340 sqft Living Area
Lot Size11,914 sqft (0.274 acres)
GarageAttached, 460 sqft
Last Sale$475,000 (2024)
Tax Bill$7,385.00 (2025)

Property Details

APN / Parcel Number

Primary APN27-29-07-856604-001230
Alternative APNs
  • 072927856604001230
  • 72927000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area2,340 sqft Living Area
Gross Area2,800 sqft Gross Area
1st Floor2,340 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure
FireplaceFireplace
Fireplaces1 Fireplaces

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 Area11,914 sqft (0.274 acres)
Garage TypeAttached Garage
Garage Area460 sqft Garage
Pool Area392 sqft Pool
Porch Area402 sqft Porch

Location & Zoning

Street Address225 RUBY LAKE LN
CityWINTER HAVEN
StateFL
Zip33884-3267
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionRUBY LAKE PHASE FOUR PB 108 PGS 21 THRU 23 LOT 123
Legal Range27E
Legal Township29S
Legal Section07
Legal SubdivisionRUBY LAKE PHASE FOUR
Legal Phase4
Legal Tract856604
Legal Block1
Legal Lot Number123
JurisdictionPOLK FL
Minor Civil DivisionLAKE WALES
Census Blockgroup1
Census Block1037
Census Tract14401

Owner

Source: Polk County records · APN 27-29-07-856604-001230

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 Company Names on File
Mailing Address225 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267
Owner TypeOwner is a Company

Deeds, Mortgages & Sale History

DateDocument
Nov 07, 2025Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
Apr 02, 2024Warranty Deed, Transfer · Conventional Mortgage
MIDFLORIDA CU
Apr 07, 2021Deed of Trust, Mortgage · Line of Credit
CITIZENS BANK & TRUST
Mar 04, 2021Intrafamily Transfer, Transfer
Sep 06, 2019Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
MORTGAGE FIRM

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 02, 2024 · Amount on Record
Deed SaleApr 02, 2024 · Amount on Record
Prior SaleSep 06, 2019 · Amount on Record
Deed Doc Number202474652
Deed Book / Page13061 / 893
Last Transfer DateOct 31, 2025
Transfer Doc0000265029
Record RefreshedSep 20, 2026

November 2025: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionPOLK FL
Recording DateNov 07, 2025
Property Address225 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267
Document Number0000265029
Book / Page13771 / 542
Map ReferenceMB 108 PG 21-23
Instrument DateOct 31, 2025
Instrument2025265029
Transaction TypeTransfer
Record UpdatedNov 28, 2025
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

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

Transferred From (Grantor/Seller)

NameVerified Name
Address225 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Living Trust
Address225 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267

April 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateApr 02, 2024
Property Address225 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267
Document Number0000074652
Book / Page13061 / 893
Map ReferenceMB 108 PG 21-23
Instrument DateMar 28, 2024
Instrument2024074652
Transaction TypeTransfer
Record UpdatedApr 22, 2024
Title CompanyALL REAL ESTATE TITLE SERVICES INC, REAL ESTATE TITLE SVCS INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,325.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address225 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267

Transferred To (Grantee/Buyer)

NameVerified Name
Address225 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267

Mortgage

Document Number0013061895
DateApr 02, 2024
Instrument13061/895
Lender
NameMIDFLORIDA CU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 01, 2054

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address225 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267
Transaction TypeMortgage
Record UpdatedApr 28, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address225 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267

Mortgage

Document Number0000087924
DateApr 07, 2021
Book Page11656/2264
Instrument2021087924
Lender
NameCITIZENS BANK & TRUST
TypeBank
AddressFROSTPROOF, FL 33843
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

March 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionPOLK FL
Recording DateMar 04, 2021
Property Address225 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267
Document Number0000055918
Book / Page11607 / 1741
Map ReferenceMB 108 PG 21
Instrument DateFeb 28, 2021
Instrument2021055918
Transaction TypeTransfer
Record UpdatedDec 23, 2021

Transaction

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

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address225 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267

September 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateSep 06, 2019
Property Address225 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267
Document Number0109641936
Book / Page010964 / 001936
Instrument DateSep 04, 2019
Instrument188400
Transaction TypeTransfer
Record UpdatedSep 20, 2019
Title CompanyREAL ESTATE TITLE, REAL ESTATE TITLE SVCS CORP

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,645.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address225 RUBY LAKE LN WINTER HAVEN FL 338843267, WINTER HAVEN, FL 33884-3267

Mortgage

Document Number109641937
DateSep 06, 2019
Book Page010964/001937
Instrument188401
Lender
NameMORTGAGE FIRM
TypeMortgage Company
AddressALTAMONTE SPRINGS, FL 32714
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueSep 05, 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$7,385.00 (+86.77%)$394,972 (+55.35%) Land $88,000 Building $306,972$394,972 (-0.2%) Land $88,000 Building $306,972
2024$3,954.00 (+2.62%)$254,248 (+3%)$395,757 (+2.8%) Land $88,000 Building $307,757
2023$3,853.00 (+2.86%) Homeowner's exemption$246,843 (+3%)$384,976 (+13.27%) Land $86,000 Building $298,976
2022$3,746.00 Homeowner's exemption$239,653$339,862 Land $72,000 Building $267,862

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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