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

Polk County property record for 277 Ruby Lake Ln, Winter Haven, FL 33884 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2004
Square Footage2,321 sqft Living Area
Lot Size10,624 sqft (0.244 acres)
OccupancyOwner Occupied
Last Sale$450,000 (2024)
Tax Bill$5,985.00 (2025)

Property Details

APN / Parcel Number

Primary APN27-29-07-855608-001780
Alternative APNs
  • 072927855608001780
  • 72927000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area2,321 sqft Living Area
Gross Area2,849 sqft Gross Area
1st Floor2,321 sqft 1st Floor
Stories1 Stories
Primary FlooringWood Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2004
Exterior MaterialStucco Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionHip Roof Construction
Roof MaterialOther (not Classified) Roof
Lot Area10,624 sqft (0.244 acres)
Lot Width125 ft Width
Garage TypeAttached Garage
Garage Area528 sqft Garage
Porch Area298 sqft Porch

Location & Zoning

Street Address277 RUBY LAKE LN
CityWINTER HAVEN
StateFL
Zip33884-3267
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionRUBY LAKE PHASE SIX PB112 PG 49-50 LOT 178
Legal Range27E
Legal Township29S
Legal Section07
Legal SubdivisionRUBY LAKE PHASE 6
Legal Phase6
Legal Tract855608
Legal Block1
Legal Lot Number178
JurisdictionPOLK FL
Minor Civil DivisionLAKE WALES
Census Blockgroup1
Census Block1037
Census Tract14401

Owner

Source: Polk County records · APN 27-29-07-855608-001780

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 Address277 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Oct 28, 2021Deed of Trust, Mortgage · Conventional Mortgage
PHH MORTGAGE SERVICES CORP
Oct 15, 2019Warranty Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI)
KELLER MTG
May 09, 2019Warranty Deed, Transfer · Veterans Administration Mortgage
USAA
Feb 15, 2018Quit Claim Deed, Mortgage · Conventional Mortgage
MORTGAGE FIRM

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 17, 2024 · Amount on Record
Deed SaleJun 17, 2024 · Amount on Record
Prior SaleOct 15, 2019 · Amount on Record
Deed Doc Number2024139413
Deed Book / Page13156 / 493
Prior Transfer DateFeb 09, 2018
Prior Transfer Doc0000035488
Record RefreshedSep 20, 2026

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address277 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267
Transaction TypeMortgage
Record UpdatedNov 12, 2021
Title CompanyAMROCK INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address277 LAKE LINK RD RUNY, WINTER HAVEN, FL 33884-1006

Mortgage

Document Number0000281149
DateOct 28, 2021
Book Page11957/588
Instrument2021281149
Lender
NamePHH MORTGAGE SERVICES CORP
TypeMortgage Company
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2051

October 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateOct 15, 2019
Property Address277 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267
Document Number0110061521
Book / Page011006 / 001521
Instrument DateOct 14, 2019
Instrument218313
Transaction TypeTransfer
Record UpdatedOct 31, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,135.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address4738 MAC DONALD ST LAKE WALES FL 338596962, LAKE WALES, FL 33859-6962

Mortgage

Document Number110061522
DateOct 15, 2019
Book Page011006/001522
Instrument218314
Lender
NameKELLER MTG
TypeMortgage Company
AddressDUBLIN, OH 43016
Agreement
TypeConventional Mortgage with Private Mortgage Insurance (PMI)
AmountAmount Recorded
Term360 Months
DueOct 14, 2049

May 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateMay 09, 2019
Property Address277 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267
Document Number0108361848
Book / Page010836 / 001848
Instrument DateMay 07, 2019
Instrument95620
Transaction TypeTransfer
Record UpdatedMay 21, 2019
Title CompanyPARAMOUNT TITLE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,960.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address277 RUBY LAKE LN WINTER HAVEN FL 338843267, WINTER HAVEN, FL 33884-3267

Mortgage

Document Number108361850
DateMay 09, 2019
Book Page010836/001850
Instrument95621
Lender
NameUSAA
AddressSAN ANTONIO, TX 78288-0544
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueMay 08, 2049

February 2018: Quit Claim Deed, Mortgage

Document TypeQuit Claim Deed
JurisdictionPOLK FL
Recording DateFeb 15, 2018
Property Address277 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267
Document Number0103981028
Book / Page010398 / 001028
Instrument DateFeb 09, 2018
Instrument35488
Transaction TypeMortgage
Record UpdatedFeb 28, 2018
Title CompanyREAL ESTATE TITLE

Transaction

Tax$0.00
Additional
  • Quitclaim Document

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address277 RUBY LAKE LN WINTER HAVEN FL 338843267, WINTER HAVEN, FL 33884-3267

Mortgage

Document Number103981029
DateFeb 15, 2018
Book Page010398/001029
Instrument35489
Lender
NameMORTGAGE FIRM
TypeMortgage Company
AddressALTAMONTE SPRINGS, FL 32714
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 14, 2048

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, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$5,985.00 (+121.75%) Homeowner's exemption$363,534 (+95.69%) Land $76,000 Building $287,534$363,534 (+2.3%) Land $76,000 Building $287,534
2023$2,699.00 (+3.09%) Homeowner's exemption$185,766 (+3%)$355,357 (+13.68%) Land $74,000 Building $281,357
2022$2,618.00 Homeowner's exemption$180,355$312,594 Land $62,000 Building $250,594

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 500 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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