1. Home
  2. Florida
  3. Polk County
  4. Winter Haven
  5. Ruby Lake Ln

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

Polk County property record for 278 Ruby Lake Ln, Winter Haven, FL 33884 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2002
Square Footage2,385 sqft Living Area
Lot Size10,337 sqft (0.237 acres)
OccupancyOwner Occupied
Last Sale$205,000 (2011)
Tax Bill$3,237.00 (2025)

Property Details

APN / Parcel Number

Primary APN27-29-07-855608-001890
Alternative APNs
  • 072927855608001890
  • 72927000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area2,385 sqft Living Area
Gross Area2,869 sqft Gross Area
1st Floor2,385 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2002
Exterior MaterialStucco Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionHip Roof Construction
Roof MaterialOther (not Classified) Roof
Lot Area10,337 sqft (0.237 acres)
Lot Width125 ft Width
Garage TypeAttached Garage
Garage Area484 sqft Garage
Pool Area200 sqft Pool
Porch Area208 sqft Porch

Location & Zoning

Street Address278 RUBY LAKE LN
CityWINTER HAVEN
StateFL
Zip33884-3266
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionRUBY LAKE PHASE SIX PB112 PG 49-50 LOT 189
Legal Range27E
Legal Township29S
Legal Section07
Legal SubdivisionRUBY LAKE PHASE 6
Legal Phase6
Legal Tract855608
Legal Block1
Legal Lot Number189
JurisdictionPOLK FL
Minor Civil DivisionLAKE WALES
Census Blockgroup1
Census Block1035
Census Tract14401

Owner

Source: Polk County records · APN 27-29-07-855608-001890

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 Address278 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Mar 31, 2021Deed of Trust, Mortgage · Conventional Mortgage
JPMORGAN CHASE BANK NA
Jun 25, 2019Deed of Trust, Mortgage · Line of Credit
BANK OF AMERICA
Jun 07, 2017Deed of Trust, Mortgage · Conventional Mortgage
LAKEVIEW LN SERVICING

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 18, 2011 · Amount on Record
Deed SaleJan 18, 2011 · Amount on Record
Prior SaleMar 25, 2008 · Amount on Record
Deed Doc Number201110384
Deed Book / Page8303 / 1785
Record RefreshedSep 20, 2026

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address278 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266
Transaction TypeMortgage
Record UpdatedApr 15, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address278 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266

Mortgage

Document Number0000080873
DateMar 31, 2021
Book Page11645/547
Instrument2021080873
Lender
NameJPMORGAN CHASE BANK NA
TypeBank
AddressCOLUMBUS, OH 43240
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueApr 01, 2036

June 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address278 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266
Document Number0109031433
Instrument DateJun 25, 2019
Transaction TypeMortgage
Record UpdatedJul 25, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address278 RUBY LAKE LN WINTER HAVEN FL 338843266, WINTER HAVEN, FL 33884-3266

Mortgage

Document Number0109031433
DateJul 11, 2019
Book Page010903/001433
Instrument144471
Lender
NameBANK OF AMERICA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueJul 10, 2049
Interest
Rate TypeAdjustable Rate

June 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address278 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266
Document Number0101770127
Book / Page010177 / 000127
Instrument DateJun 07, 2017
Transaction TypeMortgage
Record UpdatedJul 11, 2017
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address278 RUBY LAKE LN WINTER HAVEN FL 338843266, WINTER HAVEN, FL 33884-3266

Mortgage

Document Number0101770127
DateJun 15, 2017
Book Page010177/000127
Instrument114119
Lender
NameLAKEVIEW LN SERVICING
TypeFunding / Finance Company
AddressBOULEVARD, FL 33146
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueJun 14, 2037

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$3,237.00 (+6.13%) Homeowner's exemption$216,577 (+5.99%)$356,613 (+1.99%) Land $76,000 Building $280,613
2023$3,050.00 (+3.01%) Homeowner's exemption$204,343 (+3%)$349,645 (+14.16%) Land $74,000 Building $275,645
2022$2,961.00 Homeowner's exemption$198,391$306,279 Land $62,000 Building $244,279

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.

Nearby Properties on Ruby Lake Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures