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

Polk County property record for 282 Ruby Lake Ln, Winter Haven, FL 33884 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2002
Square Footage	2,390 sqft Living Area
Lot Size	10,324 sqft (0.237 acres)
Occupancy	Owner Occupied
Last Sale	$28,000 (2002)
Tax Bill	$2,884.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`27-29-07-855608-001910`
Alternative APNs	`072927855608001910` `72927000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,390 sqft Living Area
Gross Area	2,852 sqft Gross Area
1st Floor	2,390 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Stucco Exterior
Construction Type	Masonry/Concrete Masonry Units (CMUs) Construction
Roof Construction	Hip Roof Construction
Roof Material	Other (not Classified) Roof
Lot Area	10,324 sqft (0.237 acres)
Lot Width	125 ft Width
Garage Type	Attached Garage
Garage Area	462 sqft Garage
Porch Area	290 sqft Porch

Location & Zoning

Street Address	282 RUBY LAKE LN
City	WINTER HAVEN
State	FL
Zip	33884-3266
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	RUBY LAKE PHASE SIX PB112 PG 49-50 LOT 191
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	191
Jurisdiction	POLK FL
Minor Civil Division	LAKE WALES
Census Blockgroup	1
Census Block	1035
Census Tract	14401

Owner

Source: Polk County records · APN 27-29-07-855608-001910

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 Record	Individual Name on File
Mailing Address	282 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 23, 2002 · Amount on Record
Deed Sale	Sep 23, 2002 · Amount on Record
Prior Sale	Jun 04, 2002 · Amount on Record
Deed Book / Page	5119 / 1808
Record Refreshed	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	282 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266
Document Number	0113540128
Instrument Date	Aug 19, 2020
Transaction Type	Mortgage
Record Updated	Sep 15, 2020
Title Company	TITLE365 - OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	282 RUBY LAKE LN WINTER HAVEN FL 338843266, WINTER HAVEN, FL 33884-3266

Mortgage

Document Number	0113540128
Date	Aug 28, 2020
Book Page	011354/000128
Instrument	177677

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 27, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,884.00 (+6.26%) Homeowner's exemption	$197,730 (+5.99%)	$334,931 (-0.65%) Land $76,000 Building $258,931
2023	$2,714.00 (+3.12%) Homeowner's exemption	$186,560 (+3%)	$337,118 (+15.1%) Land $74,000 Building $263,118
2022	$2,632.00 Homeowner's exemption	$181,126	$292,901 Land $62,000 Building $230,901

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 Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.