Polk County property record for 243 Ruby Lake Ln, Winter Haven, FL 33884 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 5 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2001 |
| Square Footage | 2,688 sqft Living Area |
| Lot Size | 15,442 sqft (0.355 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $319,000 (2008) |
| Tax Bill | $4,314.00 (2025) |
| Primary APN | 27-29-07-856604-001140 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,688 sqft Living Area |
| Gross Area | 3,367 sqft Gross Area |
| 1st Floor | 2,688 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Wood Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| 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 | 15,442 sqft (0.355 acres) |
| Garage Type | Attached Garage |
| Garage Area | 679 sqft Garage |
| Pool Area | 392 sqft Pool |
| Porch Area | 190 sqft Porch |
| Street Address | 243 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 114 |
| 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 | 114 |
| Jurisdiction | POLK FL |
| Minor Civil Division | LAKE WALES |
| Census Blockgroup | 1 |
| Census Block | 1037 |
| Census Tract | 14401 |
Source: Polk County records · APN 27-29-07-856604-001140
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 | 243 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 30, 2019 | Deed of Trust, Mortgage · Line of Credit WAUCHULA ST BK |
| May 01, 2012 | Loan Modification, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI) WAUCHULA ST BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 13, 2008 · Amount on Record |
| Deed Sale | Feb 13, 2008 · Amount on Record |
| Prior Sale | Mar 22, 2005 · Amount on Record |
| Deed Doc Number | 200825163 |
| Deed Book / Page | 7553 / 2066 |
| Transfer Doc | 4905000593 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 243 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267 |
| Document Number | 0111020770 |
| Instrument Date | Dec 30, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 243 RUBY LAKE LN WINTER HAVEN FL 338843267, WINTER HAVEN, FL 33884-3267 |
| Document Number | 0111020770 |
|---|---|
| Date | Jan 09, 2020 |
| Book Page | 011102/000770 |
| Instrument | 6066 |
| Name | WAUCHULA ST BK |
|---|---|
| Type | Bank |
| Address | WAUCHULA, FL 33873-0248 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 08, 2040 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 243 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267 |
| Document Number | 0103932098 |
| Book / Page | 010393 / 002098 |
| Instrument Date | May 01, 2012 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2018 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 5320 HWY 27 FROSTPROOF FL 338437733, FROSTPROOF, FL 33843-7733 |
| Document Number | 0103932098 |
|---|---|
| Date | Feb 12, 2018 |
| Book Page | 010393/002098 |
| Instrument | 31717 |
| Name | WAUCHULA ST BK |
|---|---|
| Type | Bank |
| Address | SEBRING, FL 33872 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Feb 11, 2028 |
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 | $4,314.00 (+5.84%) Homeowner's exemption | $274,178 (+5.99%) | $429,550 (+2.35%) Land $88,000 Building $341,550 |
| 2023 | $4,076.00 (+2.8%) Homeowner's exemption | $258,690 (+3%) | $419,680 (+13.32%) Land $86,000 Building $333,680 |
| 2022 | $3,965.00 Homeowner's exemption | $251,155 | $370,346 Land $72,000 Building $298,346 |
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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