Polk County property record for 280 Ruby Lake Ln, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,830 sqft · built 2002 |
| Lot Size | 0.237 acres (10,328 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $259,900 (Jan 2021) |
| Tax Bill | $3,935 (2025) |
| Deeds & Mortgages | Jan 2021 Sale & Mortgage May 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-29-07-855608-001900 |
| Primary APN | 27-29-07-855608-001900 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,830 sqft Living Area |
| Gross Area | 2,292 sqft |
| 1st Floor Area | 1,830 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| 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 | 10,328 sqft (0.237 acres) |
| Lot Width | 125 ft Width |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 448 sqft |
| Patio Area | 76 sqft |
| Street Address | 280 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 190 |
| 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 | 190 |
| 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 Individual Names on Record |
|---|---|
| Mailing Address | 280 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 22, 2021 | Warranty Deed, Transfer · VA Mortgage EMBRACE HM LOANS |
| May 31, 2019 | Warranty Deed, Transfer · FHA Mortgage MORTGAGE BROTHERS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 22, 2021 · Amount on Record |
| Deed Sale | Jan 22, 2021 · Amount on Record |
| Prior Sale | May 31, 2019 · Amount on Record |
| Deed Document Number | 202116682 |
| Deed Book / Page | 11547 / 747 |
| Prior Transfer Date | Oct 27, 2016 |
| Prior Transfer Doc | 0099761151 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jan 22, 2021 |
| Property Address | 280 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266 |
| Document Number | 0115470747 |
| Book / Page | 011547 / 000747 |
| Instrument Date | Jan 15, 2021 |
| Instrument | 16682 |
| Transaction Type | Transfer |
| Record Updated | Feb 5, 2021 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,819.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 280 RUBY LAKE LN WINTER HAVEN FL 338843266, WINTER HAVEN, FL 33884-3266 |
| Document Number | 115470748 |
|---|---|
| Date | Jan 22, 2021 |
| Book Page | 011547/000748 |
| Instrument | 16683 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 21, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 31, 2019 |
| Property Address | 280 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266 |
| Document Number | 0108590251 |
| Book / Page | 010859 / 000251 |
| Instrument Date | May 30, 2019 |
| Instrument | 112190 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,470.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 280 RUBY LAKE LN WINTER HAVEN FL 338843266, WINTER HAVEN, FL 33884-3266 |
| Document Number | 108590253 |
|---|---|
| Date | May 31, 2019 |
| Book Page | 010859/000253 |
| Instrument | 112191 |
| Name | MORTGAGE BROTHERS |
|---|---|
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 30, 2049 |
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 | $260,762 (+2.7%) | $278,974 (-6.01%) Land $76,000 Building $202,974 | |
| 2025 | $3,935.00 (+5.92%) Homeowner's exemption | $253,907 (+5.99%) | $296,807 (-0.34%) Land $76,000 Building $220,807 |
| 2023 | $3,715.00 (+2.85%) Homeowner's exemption | $239,564 (+3%) | $297,821 (+16.67%) Land $74,000 Building $223,821 |
| 2022 | $3,612.00 Homeowner's exemption | $232,586 | $255,264 Land $62,000 Building $193,264 |
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 AE, 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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