Polk County property record for 276 Ruby Lake Ln, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 3,427 sqft · built 2002 |
| Lot Size | 0.237 acres (10,341 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $470,000 (Aug 2021) |
| Tax Bill | $7,290 (2025) |
| Deeds & Mortgages | Nov 2025 Transfer Aug 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-29-07-855608-001880 |
| Primary APN | 27-29-07-855608-001880 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 3,427 sqft Living Area |
| Gross Area | 3,889 sqft |
| 1st Floor Area | 3,427 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 10,341 sqft (0.237 acres) |
| Lot Width | 125 ft Width |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Pool Type | Enclosed Pool |
|---|---|
| Pool Area | 288 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 349 sqft |
| Street Address | 276 RUBY LAKE LN |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-3266 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RUBY LAKE PHASE SIX PB112 PG 49-50 LOT 188 |
| Legal Range | 27E |
| Legal Township | 29S |
| Legal Section | 07 |
| Legal Subdivision | RUBY LAKE PHASE 6 |
| Legal Phase | 6 |
| Legal Tract | 855608 |
| Legal Block | 1 |
| Legal Lot Number | 188 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKE WALES |
| Census Block Group | 1 |
| Census Block | 1035 |
| Census Tract | 14401 |
Source: Polk County records, as of September 28, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 276 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266 |
| Owner Type | Company |
| Vesting | Life Tenant |
| Date | Document |
|---|---|
| Nov 4, 2025 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Aug 9, 2021 | Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC |
| Apr 3, 2018 | Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK |
| Jun 15, 2017 | Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 9, 2021 · Amount on Record |
| Deed Sale | Aug 9, 2021 · Amount on Record |
| Prior Sale | Mar 1, 2016 |
| Deed Document Number | 2021206254 |
| Deed Book / Page | 11839 / 659 |
| Last Transfer Date | Oct 25, 2025 |
| Transfer Doc | 0000261967 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Nov 4, 2025 |
| Property Address | 276 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266 |
| Document Number | 0000261967 |
| Book / Page | 13766 / 1968 |
| Map Reference | MB 112 PG 49&50 |
| Instrument Date | Oct 25, 2025 |
| Instrument | 2025261967 |
| Transaction Type | Transfer |
| Record Updated | Nov 21, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 276 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266 |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 276 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 9, 2021 |
| Property Address | 276 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266 |
| Document Number | 0000206254 |
| Book / Page | 11839 / 659 |
| Map Reference | MB 112 PG 49&50 |
| Instrument Date | May 20, 2021 |
| Instrument | 2021206254 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2022 |
| Title Company | INNOVATIVE TITLE SERVICES I LLC, INNOVATIVE TITLE SVCS I LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,290.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12109 FOREST HILLS DR, 12109, TAMPA, FL 33612-4006 |
| Name | Verified Name |
|---|---|
| Address | 276 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266 |
| Document Number | 0011839664 |
|---|---|
| Date | Aug 9, 2021 |
| Instrument | 11839/664 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Jun 1, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 276 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266 |
| Document Number | 0104631955 |
| Instrument Date | Apr 3, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2018 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 276 RUBY LAKE LN WINTER HAVEN FL 338843266, WINTER HAVEN, FL 33884-3266 |
| Document Number | 0104631955 |
|---|---|
| Date | Apr 24, 2018 |
| Book Page | 010463/001955 |
| Instrument | 87364 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | FORT MILL, SC 29715 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 468 Months |
| Due | Apr 23, 2057 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 276 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266 |
| Document Number | 0102142054 |
| Instrument Date | Jun 15, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2018 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 276 RUBY LAKE LN WINTER HAVEN FL 338843266, WINTER HAVEN, FL 33884-3266 |
| Document Number | 0102142054 |
|---|---|
| Date | Jul 26, 2017 |
| Book Page | 010214/002054 |
| Instrument | 141848 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | FORT MILL, SC 29715 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Jul 25, 2057 |
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $445,054 (+2.7%) | $446,600 (-1.23%) Land $76,000 Building $370,600 | |
| 2025 | $7,290.00 (+3.01%) Homeowner's exemption | $433,353 (+2.9%) | $452,175 (-2.11%) Land $76,000 Building $376,175 |
| 2024 | $7,077.00 (+2.37%) Homeowner's exemption | $421,140 (+3%) | $461,914 (+2.91%) Land $76,000 Building $385,914 |
| 2023 | $6,913.00 (+2.58%) Homeowner's exemption | $408,874 (+3%) | $448,853 (+13.07%) Land $74,000 Building $374,853 |
| 2022 | $6,739.00 Homeowner's exemption | $396,965 Land $62,000 Building $334,965 | $396,965 Land $62,000 Building $334,965 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 35 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 35 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WINTER HAVEN WATER DEPARTMENT serves 87,537 people · EPA ID FL6531992 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2021 |
| Lead | 7 ppb (2023) action level 15 ppb |
| Water Quality | E. coli resolved · Sep 2021 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 16 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 82 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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