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

Polk County property record for 283 Ruby Lake Ln, Winter Haven, FL 33884

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,324 sqft · built 2002
Lot Size0.244 acres (10,624 sqft)
Owner2 Company Names on Record
Last Sale$515,000 (Aug 2023)
Tax Bill$7,220 (2025)
Deeds & MortgagesAug 2023 Sale & Mortgage
Nov 2021 Sale
+ 2 more
Flood ZoneZone X (minimal risk)
APN27-29-07-855608-001750

Property Details

APN / Parcel Number

Primary APN27-29-07-855608-001750
Alternative APNs
  • 072927855608001750
  • 72927000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,324 sqft Living Area
Gross Area2,830 sqft
1st Floor Area2,324 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2012
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeHip
Roof MaterialOther
Lot Area10,624 sqft (0.244 acres)
Lot Width125 ft Width
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area506 sqft
Pool TypeEnclosed Pool
PorchScreened/Unfinished Porch
Porch Area395 sqft

Location & Zoning

Street Address283 RUBY LAKE LN
CityWINTER HAVEN
StateFL
Zip33884-3267
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionRUBY LAKE PHASE SIX PB112 PG 49-50 LOT 175
Legal Range27E
Legal Township29S
Legal Section07
Legal SubdivisionRUBY LAKE PHASE 6
Legal Phase6
Legal Block1
Legal Lot Number175
JurisdictionPOLK FL
Township / Civil DivisionLAKE WALES
Census Block Group1
Census Block1037
Census Tract14401

Owner

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 Record2 Company Names on Record
Mailing Address6601 DOUGLAS ST, HOLLYWOOD, FL 33024-2936
Owner TypeCompany
VestingTrust, Revocable Trust

Deeds, Mortgages & Sale History

DateDocument
Aug 4, 2023Warranty Deed, Transfer · Conventional Mortgage
ROCKET MORTGAGE LLC
Nov 20, 2021Warranty Deed, Transfer
ALL REAL ESTATE TITLE SERVICES INC, REAL ESTATE TITLE SVCS INC
Apr 27, 2020Deed of Trust, Mortgage · VA Mortgage
CENTERSTATE BK NA
Dec 20, 2017Warranty Deed, Transfer · VA Mortgage
VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 4, 2023 · Amount on Record
Deed SaleAug 4, 2023 · Amount on Record
Prior SaleNov 20, 2021 · Amount on Record
Deed Document Number2023182025
Deed Book / Page12789 / 38
Last Transfer DateMar 6, 2025
Transfer Doc0000059414
Record UpdatedOct 29, 2026

August 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateAug 4, 2023
Property Address283 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267
Document Number0000182025
Book / Page12789 / 38
Map ReferenceMB 112 PG 49
Instrument DateJul 28, 2023
Instrument2023182025
Transaction TypeTransfer
Record UpdatedAug 28, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,605.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address8900 NW 52ND CT, CORAL SPRINGS, FL 33067-4605

Transferred To (Grantee/Buyer)

NameVerified Name
Address283 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267

Mortgage

Document Number0001278940
DateAug 4, 2023
Instrument12789/40
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 1, 2053

November 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateNov 20, 2021
Property Address283 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267
Document Number0000305627
Book / Page11995 / 225
Map ReferenceMB 112 PG 49&50
Instrument DateNov 12, 2021
Instrument2021305627
Transaction TypeTransfer
Record UpdatedDec 10, 2021
Title CompanyALL REAL ESTATE TITLE SERVICES INC, REAL ESTATE TITLE SVCS INC

Transaction

AmountAmount Recorded
Tax$2,450.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address119 JASMINE AVE, 119, LAKE WALES, FL 33898-5202

Transferred To (Grantee/Buyer)

NameVerified Name
Address283 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267

April 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address283 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267
Document Number0112270529
Instrument DateApr 27, 2020
Transaction TypeMortgage
Record UpdatedMay 22, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address283 RUBY LAKE LN WINTER HAVEN FL 338843267, WINTER HAVEN, FL 33884-3267

Mortgage

Document Number0112270529
DateMay 6, 2020
Book Page011227/000529
Instrument92388
Lender
NameCENTERSTATE BK NA
TypeBank
AddressWINTER HAVEN, FL 33881
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueMay 5, 2050

December 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateDec 20, 2017
Property Address283 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267
Document Number0103461306
Book / Page010346 / 001306
Instrument DateDec 6, 2017
Instrument244912
Transaction TypeTransfer
Record UpdatedDec 31, 2018
Title CompanyREAL ESTATE TITLE SERVICES LLC, REAL ESTATE TITLE SVCS LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,715.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address283 RUBY LAKE LN WINTER HAVEN FL 338843267, WINTER HAVEN, FL 33884-3267

Mortgage

Document Number103461307
DateDec 20, 2017
Book Page010346/001307
Instrument244913
Lender
NameVETERANS UNITED HM LNS
TypeFunding / Finance Company
AddressCOLUMBIA, MO 65203
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueDec 19, 2047

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
MunicipalityWinter Haven City
Unified School DistrictPolk County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$368,442 (-4.59%) Land $76,000 Building $292,442$368,442 (-4.59%) Land $76,000 Building $292,442
2025$7,220.00 (+9.66%)$386,168 (+7.48%) Land $76,000 Building $310,168$386,168 (+7.48%) Land $76,000 Building $310,168
2023$6,584.00 (+10.54%)$359,302 (+14.78%) Land $74,000 Building $285,302$359,302 (+14.78%) Land $74,000 Building $285,302
2022$5,956.00$313,039 Land $62,000 Building $251,039$313,039 Land $62,000 Building $251,039

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 35 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies35 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.02% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemWINTER HAVEN WATER DEPARTMENT
serves 87,537 people · EPA ID FL6531992
Water SourceGroundwater
Last State InspectionDec 2021
Lead7 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Sep 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 149 locations within half a mile, as of December 31, 2025

ProviderMax 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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