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

Polk County property record for 251 Ruby Lake Ln, Winter Haven, FL 33884 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2003
Square Footage	2,540 sqft Living Area
Lot Size	13,547 sqft (0.311 acres)
Occupancy	Owner Occupied
Last Sale	$259,000 (2014)
Tax Bill	$3,404.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`27-29-07-856604-001110`
Alternative APNs	`072927856604001110` `72927000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,540 sqft Living Area
Gross Area	3,068 sqft Gross Area
1st Floor	2,540 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
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	13,547 sqft (0.311 acres)
Garage Type	Attached Garage
Garage Area	528 sqft Garage
Pool Area	392 sqft Pool
Porch Area	423 sqft Porch

Location & Zoning

Street Address	251 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 111
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	111
Jurisdiction	POLK FL
Minor Civil Division	LAKE WALES
Census Blockgroup	1
Census Block	1037
Census Tract	14401

Owner

Source: Polk County records · APN 27-29-07-856604-001110

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	251 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267
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	Jul 18, 2014 · Amount on Record
Deed Sale	Jul 18, 2014 · Amount on Record
Prior Sale	Jun 04, 2003 · Amount on Record
Deed Doc Number	2014123280
Deed Book / Page	9295 / 1626
Record Refreshed	Sep 20, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	251 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267
Document Number	0110492229
Instrument Date	Oct 24, 2019
Transaction Type	Mortgage
Record Updated	Dec 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	251 RUBY LAKE LN WINTER HAVEN FL 338843267, WINTER HAVEN, FL 33884-3267

Mortgage

Document Number	0110492229
Date	Nov 21, 2019
Book Page	011049/002229
Instrument	248123

Lender

Name	AMERISAVE MTG
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 20, 2034

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	$3,404.00 (+6.08%) Homeowner's exemption	$225,529 (+5.99%)	$397,260 (+2.06%) Land $88,000 Building $309,260
2023	$3,209.00 (+2.95%) Homeowner's exemption	$212,789 (+3%)	$389,257 (+13.61%) Land $86,000 Building $303,257
2022	$3,117.00 Homeowner's exemption	$206,591	$342,640 Land $72,000 Building $270,640

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 A, within 500 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.