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

Polk County property record for 233 Ruby Lake Ln, Winter Haven, FL 33884 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms3 Baths
Year BuiltBuilt 2003
Square Footage2,869 sqft Living Area
Lot Size13,286 sqft (0.305 acres)
OccupancyOwner Occupied
Last Sale$330,500 (2020)
Tax Bill$4,288.00 (2025)

Property Details

APN / Parcel Number

Primary APN27-29-07-856604-001190
Alternative APNs
  • 072927856604001190
  • 72927000

Interior

Bedrooms4 Beds
Full Baths3 Baths
Building Area2,869 sqft Living Area
Gross Area3,329 sqft Gross Area
1st Floor2,869 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2003
Effective Year BuiltEffective 2003
Exterior MaterialStucco Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionHip Roof Construction
Roof MaterialOther (not Classified) Roof
Lot Area13,286 sqft (0.305 acres)
Garage TypeAttached Garage
Garage Area460 sqft Garage
Pool Area392 sqft Pool
Porch Area520 sqft Porch

Location & Zoning

Street Address233 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 119
Legal Range27E
Legal Township29S
Legal Section07
Legal SubdivisionRUBY LAKE PHASE FOUR
Legal Phase4
Legal Tract856604
Legal Block1
Legal Lot Number119
JurisdictionPOLK FL
Minor Civil DivisionLAKE WALES
Census Blockgroup1
Census Block1037
Census Tract14401

Owner

Source: Polk County records · APN 27-29-07-856604-001190

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 Address233 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Feb 10, 2021Deed of Trust, Mortgage · Conventional Mortgage
PLAINS COMMERCE BANK
Aug 04, 2020Warranty Deed, Transfer · Conventional Mortgage
PLAINS CMRC BK
Sep 15, 2017Warranty Deed, Transfer · Veterans Administration Mortgage
UNION HM MTG

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 04, 2020 · Amount on Record
Deed SaleAug 04, 2020 · Amount on Record
Prior SaleSep 15, 2017 · Amount on Record
Deed Doc Number2020156539
Deed Book / Page11321 / 1702
Record RefreshedSep 20, 2026

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address233 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267
Transaction TypeMortgage
Record UpdatedFeb 24, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address233 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267

Mortgage

Document Number0000034134
DateFeb 10, 2021
Book Page11574/1439
Instrument2021034134
Lender
NamePLAINS COMMERCE BANK
TypeBank
AddressSIOUX FALLS, SD 57106
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term349 Months
DueMar 01, 2050

August 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateAug 04, 2020
Property Address233 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267
Document Number0113211702
Book / Page011321 / 001702
Instrument DateJul 30, 2020
Instrument156539
Transaction TypeTransfer
Record UpdatedAug 21, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,314.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address5870 BREAKWATER DR WINTER HAVEN FL 338843301, WINTER HAVEN, FL 33884-3301

Mortgage

Document Number113211704
DateAug 04, 2020
Book Page011321/001704
Instrument156540
Lender
NamePLAINS CMRC BK
TypeBank
AddressSIOUX FALLS, SD 57106
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 03, 2050

September 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateSep 15, 2017
Property Address233 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267
Document Number0102611818
Book / Page010261 / 001818
Instrument DateSep 07, 2017
Instrument177413
Transaction TypeTransfer
Record UpdatedOct 09, 2017
Title CompanyEQUITABLE TITLE/W ORLANDO LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,904.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address233 RUBY LAKE LN WINTER HAVEN FL 338843267, WINTER HAVEN, FL 33884-3267

Mortgage

Document Number102611820
DateSep 15, 2017
Book Page010261/001820
Instrument177414
Lender
NameUNION HM MTG
TypeMortgage Company
AddressSTRONGSVILLE, OH 44136
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueSep 14, 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$4,288.00 (+5.85%) Homeowner's exemption$272,776 (+5.99%)$422,617 (+1.86%) Land $88,000 Building $334,617
2023$4,051.00 (+2.82%) Homeowner's exemption$257,367 (+3%)$414,909 (+13.32%) Land $86,000 Building $328,909
2022$3,940.00 Homeowner's exemption$249,871$366,142 Land $72,000 Building $294,142

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 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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