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

Polk County property record for 272 Ruby Lake Ln, Winter Haven, FL 33884 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms3 Baths
Year BuiltBuilt 2005
Square Footage2,965 sqft Living Area
Lot Size25,091 sqft (0.576 acres)
OccupancyOwner Occupied
Last Sale$800,000 (2025)
Tax Bill$9,109.00 (2025)

Property Details

APN / Parcel Number

Primary APN27-29-07-856604-001060
Alternative APNs
  • 072927856604001060
  • 72927000

Interior

Bedrooms4 Beds
Full Baths3 Baths
Building Area2,965 sqft Living Area
Gross Area4,151 sqft Gross Area
1st Floor2,965 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2005
Exterior MaterialStucco Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionHip Roof Construction
Roof MaterialTile Roof
Lot Area25,091 sqft (0.576 acres)
Lot Width60 ft Width
Garage TypeAttached Garage
Garage Area942 sqft Garage
Pool TypePool, Enclosed Pool Type
Porch Area528 sqft Porch

Location & Zoning

Street Address272 RUBY LAKE LN
CityWINTER HAVEN
StateFL
Zip33884-3266
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionRUBY LAKE PHASE FOUR PB 108 PGS 21 THRU 23 LOT 106
Legal Range27E
Legal Township29S
Legal Section07
Legal SubdivisionRUBY LAKE PHASE FOUR
Legal Phase4
Legal Tract856604
Legal Block1
Legal Lot Number106
JurisdictionPOLK FL
Minor Civil DivisionLAKE WALES
Census Blockgroup1
Census Block1035
Census Tract14401

Owner

Source: Polk County records · APN 27-29-07-856604-001060

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 Address272 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingHusband And Wife

Deeds, Mortgages & Sale History

DateDocument
Nov 03, 2025Warranty Deed, Transfer
UNITED TITLE GROUP/LAKELAND LLC, UNITED TTL GROUP OF LAKELAND
Jul 15, 2022Deed of Trust, Mortgage · Line of Credit
USF FCU
May 04, 2021Warranty Deed, Transfer · Conventional Mortgage
PRIMARY RESIDENTIAL MORTGAGE INC
Jan 17, 2018Warranty Deed, Transfer · Conventional Mortgage
AMERICAN S LNDG

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 03, 2025 · Amount on Record
Deed SaleNov 03, 2025 · Amount on Record
Prior SaleMay 04, 2021 · Amount on Record
Deed Doc Number2025260240
Deed Book / Page13764 / 286
Prior Transfer DateJan 11, 2017
Prior Transfer Doc0103700764
Record RefreshedSep 20, 2026

November 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateNov 03, 2025
Property Address272 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266
Document Number0000260240
Book / Page13764 / 286
Map ReferenceMB 108 PG 21-23
Instrument DateOct 30, 2025
Instrument2025260240
Transaction TypeTransfer
Record UpdatedNov 21, 2025
Title CompanyUNITED TITLE GROUP/LAKELAND LLC, UNITED TTL GROUP OF LAKELAND

Transaction

AmountAmount Recorded
Tax$5,600.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address4219 LOCUST GROVE RD, RICHMOND, IN 47374-9427

Transferred To (Grantee/Buyer)

NameVerified Name
Address272 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266

July 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address272 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266
Transaction TypeMortgage
Record UpdatedAug 02, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address272 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266

Mortgage

Document Number0000192501
DateJul 15, 2022
Book Page12338/1623
Instrument2022192501
Lender
NameUSF FCU
TypeCredit Union
AddressTAMPA, FL 33646
Agreement
TypeLine of Credit
AmountAmount Recorded
Term300 Months
DueJul 08, 2047
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

May 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateMay 04, 2021
Property Address272 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266
Document Number0000115303
Book / Page11699 / 906
Map ReferenceMB 108 PG 21-23
Instrument DateApr 30, 2021
Instrument2021115303
Transaction TypeTransfer
Record UpdatedAug 02, 2022
Title CompanyWEST ORANGE TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,727.50
Amount AccuracyFull Amount Stated
Additional
  • Notice of Foreclosure Sale
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address229 RUBY LAKE LN, 229, WINTER HAVEN, FL 33884-3267

Transferred To (Grantee/Buyer)

NameVerified Name
Address272 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266

Mortgage

Document Number0011699907
DateMay 04, 2021
Instrument11699/907
Lender
NamePRIMARY RESIDENTIAL MORTGAGE INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMay 01, 2051

January 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateJan 17, 2018
Property Address272 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266
Document Number0103700764
Book / Page010370 / 000764
Instrument DateJan 11, 2018
Instrument12036
Transaction TypeTransfer
Record UpdatedMar 19, 2018
Title CompanyOTHER

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,240.00

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4563 MANDOLIN BLVD WINTER HAVEN FL 338843532, WINTER HAVEN, FL 33884-3532

Mortgage

Document Number103700766
DateJan 17, 2018
Book Page010370/000766
Instrument12037
Lender
NameAMERICAN S LNDG
AddressCOSTA MESA, CA 92626
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJan 16, 2048
Interest
Rate TypeAdjustable Rate
Rate6%

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 and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$9,109.00 (+2.97%) Homeowner's exemption$530,658 (+2.9%)$614,158 (-1.89%) Land $175,000 Building $439,158
2024$8,846.00 (+2.3%) Homeowner's exemption$515,703 (+3%)$625,991 (+6.97%) Land $175,000 Building $450,991
2023$8,647.00 (+2.51%) Homeowner's exemption$500,683 (+3%)$585,204 (+20.39%) Land $170,000 Building $415,204
2022$8,435.00 Homeowner's exemption$486,100 Land $140,000 Building $346,100$486,100 Land $140,000 Building $346,100

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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