Polk County property record for 264 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 2010 |
| Square Footage | 2,217 sqft Living Area |
| Lot Size | 19,911 sqft (0.457 acres) |
| Garage | Attached, 529 sqft |
| Last Sale | $635,000 (2026) |
| Tax Bill | $5,731.00 (2025) |
| Primary APN | 27-29-07-856604-001020 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,217 sqft Living Area |
| Gross Area | 2,746 sqft Gross Area |
| 1st Floor | 2,217 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| 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 | 19,911 sqft (0.457 acres) |
| Depth X Width | 189 ft x 95 ft Depth x Width |
| Garage Type | Attached Garage |
| Garage Area | 529 sqft Garage |
| Pool Area | 336 sqft Pool |
| Porch Area | 294 sqft Porch |
| Boat Access | Boat Access |
| Street Address | 264 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 102 |
| 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 | 102 |
| Jurisdiction | POLK FL |
| Minor Civil Division | LAKE WALES |
| Census Blockgroup | 1 |
| Census Block | 1035 |
| Census Tract | 14401 |
Source: Polk County records · APN 27-29-07-856604-001020
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 | 10047 RUDNICK AVE, CHATSWORTH, CA 91311-2734 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Husband And Wife |
| Date | Document |
|---|---|
| May 27, 2026 | Warranty Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Feb 27, 2020 | Warranty Deed, Transfer REAL ESTATE TITLE SERVICES LLC, REAL ESTATE TITLE SVCS LLC |
| May 14, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 27, 2026 · Amount on Record |
| Deed Sale | May 27, 2026 · Amount on Record |
| Prior Sale | Feb 27, 2020 · Amount on Record |
| Deed Doc Number | 2026125050 |
| Deed Book / Page | 14012 / 822 |
| Prior Transfer Date | May 09, 2018 |
| Prior Transfer Doc | 0000103074 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 27, 2026 |
| Property Address | 264 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266 |
| Document Number | 0000125050 |
| Book / Page | 14012 / 822 |
| Instrument Date | May 15, 2026 |
| Instrument | 2026125050 |
| Transaction Type | Transfer |
| Record Updated | Jun 08, 2026 |
| Title Company | CELEBRATION TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $448,945.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10047 RUDNICK AVE, CHATSWORTH, CA 91311-2734 |
| Document Number | 0000125051, |
|---|---|
| Date | May 27, 2026 |
| Instrument | 2026125051 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Feb 27, 2020 |
| Property Address | 264 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266 |
| Document Number | 0111551393 |
| Book / Page | 011155 / 001393 |
| Instrument Date | Feb 24, 2020 |
| Instrument | 45050 |
| Transaction Type | Transfer |
| Record Updated | Mar 18, 2020 |
| Title Company | REAL ESTATE TITLE SERVICES LLC, REAL ESTATE TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,394.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 265 WINTER HAVEN FL 338820265, WINTER HAVEN, FL 33882-0265 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 14, 2018 |
| Property Address | 264 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266 |
| Document Number | 0104841525 |
| Book / Page | 010484 / 001525 |
| Instrument Date | May 09, 2018 |
| Instrument | 103074 |
| Transaction Type | Transfer |
| Record Updated | Jun 14, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 264 RUBY LAKE LN WINTER HAVEN FL 338843266, WINTER HAVEN, FL 33884-3266 |
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 | $5,731.00 (+6.25%) Homeowner's exemption Senior Citizen's exemption | $385,353 (+5.99%) | $511,899 (+3.76%) Land $175,000 Building $336,899 |
| 2023 | $5,394.00 (+2.98%) Homeowner's exemption | $363,585 (+3%) | $493,355 (+18.65%) Land $170,000 Building $323,355 |
| 2022 | $5,238.00 Homeowner's exemption | $352,995 | $415,807 Land $140,000 Building $275,807 |
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 100 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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