Polk County property record for 257 Ruby Lake Ln, Winter Haven, FL 33884 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2003 |
| Square Footage | 2,033 sqft Living Area |
| Lot Size | 10,498 sqft (0.241 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $224,900 (2016) |
| Tax Bill | $2,778.00 (2025) |
| Primary APN | 27-29-07-856604-001080 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,033 sqft Living Area |
| Gross Area | 2,453 sqft Gross Area |
| 1st Floor | 2,033 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Wood Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| 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 | 420 sqft Garage |
| Porch Area | 433 sqft Porch |
| Street Address | 257 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 108 |
| 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 | 108 |
| Jurisdiction | POLK FL |
| Minor Civil Division | LAKE WALES |
| Census Blockgroup | 1 |
| Census Block | 1037 |
| Census Tract | 14401 |
Source: Polk County records · APN 27-29-07-856604-001080
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 | 257 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 17, 2016 · Amount on Record |
| Deed Sale | Aug 17, 2016 · Amount on Record |
| Prior Sale | Jan 17, 2013 · Amount on Record |
| Deed Doc Number | 2016149413 |
| Deed Book / Page | 9907 / 1604 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 257 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267 |
| Transaction Type | Mortgage |
| Record Updated | May 03, 2022 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Address | 257 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267 |
| Document Number | 0000107534 |
|---|---|
| Date | Apr 21, 2022 |
| Book Page | 12217/2057 |
| Instrument | 2022107534 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Address | WINTER HAVEN, FL 33880 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Mar 20, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
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 | $2,778.00 (+6.36%) Homeowner's exemption | $192,019 (+5.99%) | $345,359 (+3.1%) Land $88,000 Building $257,359 |
| 2023 | $2,612.00 (+3.12%) Homeowner's exemption | $181,172 (+3%) | $334,972 (+14.11%) Land $86,000 Building $248,972 |
| 2022 | $2,533.00 Homeowner's exemption | $175,895 | $293,548 Land $72,000 Building $221,548 |
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 AE, within 500 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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