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

Polk County property record for 249 Ruby Lake Ln, Winter Haven, FL 33884 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2 Baths
Year BuiltBuilt 2002
Square Footage1,995 sqft Living Area
Lot Size14,915 sqft (0.342 acres)
GarageAttached, 713 sqft
Last Sale$449,000 (2024)
Tax Bill$5,718.00 (2025)

Property Details

APN / Parcel Number

Primary APN27-29-07-856604-001120
Alternative APNs
  • 072927856604001120
  • 72927000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area1,995 sqft Living Area
Gross Area2,708 sqft Gross Area
1st Floor1,995 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2002
Exterior MaterialStucco Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionHip Roof Construction
Roof MaterialOther (not Classified) Roof
Lot Area14,915 sqft (0.342 acres)
Garage TypeAttached Garage
Garage Area713 sqft Garage
Pool Area288 sqft Pool
Porch Area224 sqft Porch

Location & Zoning

Street Address249 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 112
Legal Range27E
Legal Township29S
Legal Section07
Legal SubdivisionRUBY LAKE PHASE FOUR
Legal Phase4
Legal Tract856604
Legal Block1
Legal Lot Number112
JurisdictionPOLK FL
Minor Civil DivisionLAKE WALES
Census Blockgroup1
Census Block1037
Census Tract14401

Owner

Source: Polk County records · APN 27-29-07-856604-001120

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 Address3520 50TH AVE NE, TACOMA, WA 98422-3024
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Mar 13, 2024Warranty Deed, Transfer · Conventional Mortgage
BAY EQUITY LLC
Oct 03, 2019Warranty Deed, Transfer
GUIDANCE RESID'L
Jun 25, 2018Warranty Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI)
2004-0000162 LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 13, 2024 · Amount on Record
Deed SaleMar 13, 2024 · Amount on Record
Prior SaleOct 03, 2019 · Amount on Record
Deed Doc Number202459132
Deed Book / Page13039 / 2082
Prior Transfer DateSep 27, 2019
Prior Transfer Doc0000209819
Record RefreshedSep 20, 2026

March 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateMar 13, 2024
Property Address249 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267
Document Number0000059132
Book / Page13039 / 2082
Map ReferenceMB 108 PG 21-23
Instrument DateMar 06, 2024
Instrument2024059132
Transaction TypeTransfer
Record UpdatedMar 27, 2024
Title CompanyADVANTAGE TITLE AND ESCROW INC, ADVANCE TITLE AND ESCROW INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,143.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address9072 GREAT HERON CIR, ORLANDO, FL 32836-5483

Transferred To (Grantee/Buyer)

NameVerified Name
Address3520 50TH AVE NE, TACOMA, WA 98422-3024

Mortgage

Document Number0130392085
DateMar 13, 2024
Instrument13039/2085
Lender
NameBAY EQUITY LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2054

October 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateOct 03, 2019
Property Address249 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267
Document Number0109941388
Book / Page010994 / 001388
Instrument DateSep 27, 2019
Instrument209819
Transaction TypeTransfer
Record UpdatedOct 22, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$884.80

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address249 RUBY LAKE LN WINTER HAVEN FL 338843267, WINTER HAVEN, FL 33884-3267

Mortgage

Document Number109941390
DateOct 03, 2019
Book Page010994/001390
Instrument209820
Lender
NameGUIDANCE RESID'L
Agreement
AmountAmount Recorded
Term180 Months
DueOct 02, 2034

June 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateJun 25, 2018
Property Address249 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267
Document Number0105280899
Book / Page010528 / 000899
Instrument DateJun 22, 2018
Instrument135491
Transaction TypeTransfer
Record UpdatedJul 17, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,890.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address249 RUBY LAKE LN WINTER HAVEN FL 338843267, WINTER HAVEN, FL 33884-3267

Mortgage

Document Number105280901
DateJun 25, 2018
Book Page010528/000901
Instrument135492
Lender
Name2004-0000162 LLC
Address11107 SUNSET HILLS RD # 200, RESTON, VA 20190-5376
Agreement
TypeConventional Mortgage with Private Mortgage Insurance (PMI)
AmountAmount Recorded
Term360 Months
DueJun 24, 2048

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, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$5,718.00 (-11.31%) Homeowner's exemption$349,270 (+2.32%) Land $88,000 Building $261,270$349,270 (+2.32%) Land $88,000 Building $261,270
2023$6,447.00 (+100.34%)$341,342 (+61.07%) Land $86,000 Building $255,342$341,342 (+15.75%) Land $86,000 Building $255,342
2022$3,218.00 Homeowner's exemption$211,920$294,900 Land $72,000 Building $222,900

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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