Polk County property record for 245 Ruby Lake Ln, Winter Haven, FL 33884 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2000 |
| Square Footage | 1,978 sqft Living Area |
| Lot Size | 12,502 sqft (0.287 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $327,000 (2005) |
| Tax Bill | $3,532.00 (2025) |
| Primary APN | 27-29-07-856604-001130 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,978 sqft Living Area |
| Gross Area | 2,545 sqft Gross Area |
| 1st Floor | 1,978 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| 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 | 12,502 sqft (0.287 acres) |
| Garage Type | Attached Garage |
| Garage Area | 567 sqft Garage |
| Porch Area | 243 sqft Porch |
| Street Address | 245 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 113 |
| 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 | 113 |
| Jurisdiction | POLK FL |
| Minor Civil Division | LAKE WALES |
| Census Blockgroup | 1 |
| Census Block | 1037 |
| Census Tract | 14401 |
Source: Polk County records · APN 27-29-07-856604-001130
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 | 245 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jan 08, 2020 | Deed of Trust, Mortgage · Line of Credit CENTERSTATE BK NA |
| Jun 23, 2018 | Deed of Trust, Mortgage · Conventional Mortgage DISCOVER BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 20, 2005 · Amount on Record |
| Deed Sale | Jul 20, 2005 · Amount on Record |
| Prior Sale | Dec 29, 1999 · Amount on Record |
| Deed Doc Number | 2005171664 |
| Deed Book / Page | 6305 / 2088 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 245 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267 |
| Document Number | 0111391357 |
| Instrument Date | Jan 08, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 04, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 245 RUBY LAKE LN WINTER HAVEN FL 338843267, WINTER HAVEN, FL 33884-3267 |
| Document Number | 0111391357 |
|---|---|
| Date | Feb 13, 2020 |
| Book Page | 011139/001357 |
| Instrument | 33693 |
| Name | CENTERSTATE BK NA |
|---|---|
| Type | Bank |
| Address | LAKE WALES, FL 33853 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Feb 12, 2030 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 245 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267 |
| Document Number | 0105370982 |
| Instrument Date | Jun 23, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 16, 2018 |
| Title Company | LENDER LIVE SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 245 RUBY LAKE LN WINTER HAVEN FL 338843267, WINTER HAVEN, FL 33884-3267 |
| Document Number | 0105370982 |
|---|---|
| Date | Jul 03, 2018 |
| Book Page | 010537/000982 |
| Instrument | 141857 |
| Name | DISCOVER BK |
|---|---|
| Type | Bank |
| Address | NEW CASTLE, FL 19720 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 02, 2033 |
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 | $3,532.00 (+6%) Homeowner's exemption | $232,392 (+5.99%) | $363,291 (+3.22%) Land $88,000 Building $275,291 |
| 2023 | $3,332.00 (+2.93%) Homeowner's exemption | $219,265 (+3%) | $351,948 (+14.08%) Land $86,000 Building $265,948 |
| 2022 | $3,237.00 Homeowner's exemption | $212,879 | $308,519 Land $72,000 Building $236,519 |
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 100 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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