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

Polk County property record for 234 Ruby Lake Ln, Winter Haven, FL 33884 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,682 sqft · built 1999
Lot Size0.485 acres (21,140 sqft)
Owner2 Individual Names on File
Last Sale$430,000 (Nov 2019)
Tax Bill$8,247 (2025)
Deeds & MortgagesMar 2022 Line of Credit
Feb 2021 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN27-29-07-856604-000870

Property Details

APN / Parcel Number

Primary APN27-29-07-856604-000870
Alternative APNs
  • 072927856604000870
  • 72927000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area2,682 sqft Living Area
Gross Area3,096 sqft Gross Area
1st Floor Area2,612 sqft 1st Floor
Stories1 Story
FlooringCarpet
Interior WallsWallboard/Drywall
FireplaceFireplace
Fireplaces1 Fireplace

Exterior

Year BuiltBuilt 1999
Effective Year BuiltEffective 1999
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeHip
Roof MaterialOther
Lot Area21,140 sqft (0.485 acres)
Lot Dimensions203 ft deep x 91 ft wide
Garage TypeAttached
Garage Area484 sqft Garage

Exterior Amenities

PorchScreened/Unfinished Porch
Porch Area235 sqft Porch
View / LotCommercial/Industrial
Boat AccessBoat Access

Location & Zoning

Street Address234 RUBY LAKE LN
CityWINTER HAVEN
StateFL
Zip33884-3266
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionRUBY LAKE PHASE FOUR PB 108 PGS 21 THRU 23 LOT 87
Legal Range27E
Legal Township29S
Legal Section07
Legal SubdivisionRUBY LAKE PHASE FOUR
Legal Phase4
Legal Block1
Legal Lot Number87
JurisdictionPOLK FL
Township / Civil DivisionLAKE WALES
Census Block Group1
Census Block1035
Census Tract14401

Owner

Source: Polk County records · APN 27-29-07-856604-000870

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 Address234 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 11, 2022Deed of Trust, Mortgage · Line of Credit
BANK OF AMERICA NA
Feb 22, 2021Deed of Trust, Mortgage · Conventional Mortgage
JPMORGAN CHASE BANK NA
Nov 20, 2019Warranty Deed, Transfer · Conventional Mortgage
JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 20, 2019 · Amount on Record
Deed SaleNov 20, 2019 · Amount on Record
Prior SaleAug 16, 2016 · Amount on Record
Deed Document Number2019246445
Deed Book / Page11047 / 1116
Prior Transfer DateJun 23, 2015
Prior Transfer Doc0000118292
Record UpdatedSep 20, 2026

March 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address234 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266
Transaction TypeMortgage
Record UpdatedMar 30, 2022
Title CompanyTITLE 365, TITLE365

Transferred To (Grantee/Buyer)

NameVerified Name
Address234 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266

Mortgage

Document Number0000066883
DateMar 11, 2022
Book Page12157/1112
Instrument2022066883
Lender
NameBANK OF AMERICA NA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueMar 05, 2052
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address234 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266
Transaction TypeMortgage
Record UpdatedMar 08, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address234 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266

Mortgage

Document Number0000043917
DateFeb 22, 2021
Book Page11588/2063
Instrument2021043917
Lender
NameJPMORGAN CHASE BANK NA
TypeBank
AddressCOLUMBUS, OH 43240
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueMar 01, 2036

November 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateNov 20, 2019
Property Address234 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266
Document Number0110471116
Book / Page011047 / 001116
Instrument DateNov 14, 2019
Instrument246445
Transaction TypeTransfer
Record UpdatedDec 04, 2020
Title CompanyREAL ESTATE TITLE SERVICES LLC, REAL ESTATE TITLE SVCS LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,010.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address234 RUBY LAKE LN WINTER HAVEN FL 338843266, WINTER HAVEN, FL 33884-3266

Mortgage

Document Number110471117
DateNov 20, 2019
Book Page011047/001117
Instrument246446
Lender
NameJP MORGAN CHASE BK
TypeBank
AddressCOLUMBUS, OH 43240-2050
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueNov 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$8,247.00 (+30.99%) Homeowner's exemption$484,544 (+28.79%)$589,427 (+23.17%) Land $175,000 Building $414,427
2023$6,296.00 (+2.61%) Homeowner's exemption$376,214 (+3%)$478,533 (+20.4%) Land $170,000 Building $308,533
2022$6,136.00 Homeowner's exemption$365,256$397,438 Land $140,000 Building $257,438

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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