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

Polk County property record for 255 Ruby Lake Ln, Winter Haven, FL 33884 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 2003
Square Footage	2,318 sqft Living Area
Lot Size	10,498 sqft (0.241 acres)
Garage	Attached, 484 sqft
Last Sale	$435,000 (2023)
Tax Bill	$6,830.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`27-29-07-856604-001090`
Alternative APNs	`072927856604001090` `72927000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,318 sqft Living Area
Gross Area	2,802 sqft Gross Area
1st Floor	2,318 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Wood Flooring
Interior Structure	Wallboard/Drywall Interior Structure

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	10,498 sqft (0.241 acres)
Garage Type	Attached Garage
Garage Area	484 sqft Garage
Pool Type	Pool, Enclosed Pool Type
Pool Area	392 sqft Pool
Porch Area	250 sqft Porch

Location & Zoning

Street Address	255 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 109
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	109
Jurisdiction	POLK FL
Minor Civil Division	LAKE WALES
Census Blockgroup	1
Census Block	1037
Census Tract	14401

Owner

Source: Polk County records · APN 27-29-07-856604-001090

Assessment roll updated July 23, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	255 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267
Owner Type	Owner is a Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 24, 2023 · Amount on Record
Deed Sale	Mar 24, 2023 · Amount on Record
Prior Sale	Apr 23, 2015 · Amount on Record
Deed Doc Number	202368760
Deed Book / Page	12627 / 1745
Record Refreshed	Sep 20, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Mar 24, 2023
Property Address	FL
Document Number	0000068760
Book / Page	12627 / 1745
Map Reference	MB 108 PG 21-23
Instrument Date	Mar 17, 2023
Instrument	2023068760
Transaction Type	Transfer
Record Updated	Feb 22, 2024
Title Company	SMART TITLE II LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,045.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	201 WOODFERN DR, WINTER HAVEN, FL 33881-2718

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0126271748
Date	Mar 24, 2023
Instrument	12627/1748

Lender

Name	PENTAGON FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2053

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated July 23, 2026 · Last verified August 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, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,830.00 (+1.2%)	$365,301 (+2.22%) Land $88,000 Building $277,301	$365,301 (+2.22%) Land $88,000 Building $277,301
2023	$6,749.00 (+173.24%)	$357,372 (+100.69%) Land $86,000 Building $271,372	$357,372 (+13.37%) Land $86,000 Building $271,372
2022	$2,470.00 Homeowner's exemption	$178,072	$315,223 Land $72,000 Building $243,223

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 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.