Polk County property record for 281 Ruby Lake Ln, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,178 sqft · built 2002 |
| Lot Size | 0.244 acres (10,624 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $314,900 (Apr 2020) |
| Tax Bill | $5,888 (2024) |
| Deeds & Mortgages | Oct 2022 Mortgage Apr 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-29-07-855608-001760 |
| Primary APN | 27-29-07-855608-001760 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,178 sqft Living Area |
| Gross Area | 2,992 sqft |
| 1st Floor Area | 2,178 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 |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 10,624 sqft (0.244 acres) |
| Lot Width | 125 ft Width |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Pool Area | 392 sqft |
| Porch | Florida Room |
| Porch Area | 414 sqft |
| Street Address | 281 RUBY LAKE LN |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-3267 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RUBY LAKE PHASE SIX PB112 PG 49-50 LOT 176 |
| 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 | 176 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKE WALES |
| Census Block Group | 1 |
| Census Block | 1037 |
| Census Tract | 14401 |
Source: Polk County records, as of June 23, 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 | 281 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 4, 2022 | Deed of Trust, Mortgage · FHA Mortgage RUSHMORE LOAN MANAGEMENT SERVICES LLC |
| Apr 29, 2020 | Warranty Deed, Transfer · VA Mortgage EMBRACE HM LOANS |
| Jul 23, 2018 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 29, 2020 · Amount on Record |
| Deed Sale | Apr 29, 2020 · Amount on Record |
| Prior Sale | Aug 19, 2016 · Amount on Record |
| Deed Document Number | 202088034 |
| Deed Book / Page | 11220 / 567 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 281 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2022 |
| Title Company | FIRST AMERICAN TITLE INS |
| Name | Verified Name |
|---|---|
| Address | 281 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267 |
| Document Number | 0000263822 |
|---|---|
| Date | Oct 4, 2022 |
| Book Page | 12438/849 |
| Instrument | 2022263822 |
| Name | RUSHMORE LOAN MANAGEMENT SERVICES LLC |
|---|---|
| Type | Lending Institution |
| Address | IRVING, TX 75063 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 331 Months |
| Due | May 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 29, 2020 |
| Property Address | 281 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267 |
| Document Number | 0112200567 |
| Book / Page | 011220 / 000567 |
| Instrument Date | Apr 27, 2020 |
| Instrument | 88034 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2020 |
| Title Company | REAL ESTATE TITLE SERVICES LLC, REAL ESTATE TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,204.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 281 RUBY LAKE LN WINTER HAVEN FL 338843267, WINTER HAVEN, FL 33884-3267 |
| Document Number | 112200568 |
|---|---|
| Date | Apr 29, 2020 |
| Book Page | 011220/000568 |
| Instrument | 88035 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 28, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 281 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267 |
| Document Number | 0105671356 |
| Instrument Date | Jul 23, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 281 RUBY LAKE LN WINTER HAVEN FL 338843267, WINTER HAVEN, FL 33884-3267 |
| Document Number | 0105671356 |
|---|---|
| Date | Aug 1, 2018 |
| Book Page | 010567/001356 |
| Instrument | 163829 |
| Name | MIDFLORIDA CU |
|---|---|
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jul 31, 2028 |
| Rate Type | Adjustable Rate |
|---|
Source: Polk County assessment roll, as of June 23, 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 |
|---|---|---|---|
| 2025 | $358,395 (+1.55%) Land $76,000 Building $282,395 | $358,395 (+1.55%) Land $76,000 Building $282,395 | |
| 2024 | $5,888.00 (-2.08%) | ||
| 2023 | $6,013.00 (+10.63%) | $352,912 (+14.87%) Land $74,000 Building $278,912 | $352,912 (+14.87%) Land $74,000 Building $278,912 |
| 2022 | $5,435.00 | $307,216 Land $62,000 Building $245,216 | $307,216 Land $62,000 Building $245,216 |
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 100 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 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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 149 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
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