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

Polk County property record for 246 Ruby Lake Ln, Winter Haven, FL 33884 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 2010
Square Footage	2,683 sqft Living Area
Lot Size	18,587 sqft (0.427 acres)
Occupancy	Owner Occupied
Last Sale	$395,000 (2016)
Tax Bill	$6,893.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`27-29-07-856604-000930`
Alternative APNs	`072927856604000930` `72927000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,683 sqft Living Area
Gross Area	3,245 sqft Gross Area
1st Floor	2,683 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2010
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	18,587 sqft (0.427 acres)
Depth X Width	183 ft x 95 ft Depth x Width
Garage Type	Attached Garage
Garage Area	562 sqft Garage
Pool Area	336 sqft Pool
Porch Area	378 sqft Porch
Boat Access	Boat Access

Location & Zoning

Street Address	246 RUBY LAKE LN
City	WINTER HAVEN
State	FL
Zip	33884-3266
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	RUBY LAKE PHASE FOUR PB 108 PGS 21 THRU 23 LOT 93
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	93
Jurisdiction	POLK FL
Minor Civil Division	LAKE WALES
Census Blockgroup	1
Census Block	1035
Census Tract	14401

Owner

Source: Polk County records · APN 27-29-07-856604-000930

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	246 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 25, 2016 · Amount on Record
Deed Sale	Aug 25, 2016 · Amount on Record
Prior Sale	Jun 27, 2008 · Amount on Record
Deed Doc Number	2016155465
Deed Book / Page	9915 / 1496
Record Refreshed	Sep 20, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	246 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266
Document Number	0109301233
Instrument Date	Jul 19, 2019
Transaction Type	Mortgage
Record Updated	Aug 19, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	246 RUBY LAKE LN WINTER HAVEN FL 338843266, WINTER HAVEN, FL 33884-3266

Mortgage

Document Number	0109301233
Date	Aug 05, 2019
Book Page	010930/001233
Instrument	164072

Lender

Name	GROW FIN'L FCU
Type	Credit Union
Address	TAMPA, FL 33619

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 04, 2039

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,893.00 (+5.49%) Homeowner's exemption	$412,109 (+5.99%)	$551,510 (+3.95%) Land $175,000 Building $376,510
2023	$6,534.00 (+2.59%) Homeowner's exemption	$388,830 (+3%)	$530,562 (+18.91%) Land $170,000 Building $360,562
2022	$6,369.00 Homeowner's exemption	$377,505	$446,180 Land $140,000 Building $306,180

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 Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft

Wildfire

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.