Polk County property record for 286 Ruby Lake Ln, #193, Winter Haven, FL 33884 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,385 sqft · built 2002 |
| Lot Size | 0.237 acres (10,315 sqft) |
| Owner | Company Name on File |
| Last Sale | $300,000 (Aug 2018) |
| Tax Bill | $4,234 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Nov 2022 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-29-07-855608-001930 |
| Primary APN | 27-29-07-855608-001930 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,385 sqft Living Area |
| Gross Area | 2,869 sqft Gross Area |
| 1st Floor Area | 2,385 sqft 1st Floor |
| Stories | 1 Story |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| 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 | 10,315 sqft (0.237 acres) |
| Lot Width | 125 ft Width |
| Garage Type | Attached |
| Garage Area | 484 sqft Garage |
| Pool Area | 200 sqft Pool |
|---|---|
| Porch | Screened/Unfinished Porch |
| Porch Area | 208 sqft Porch |
| View / Lot | Commercial/Industrial |
| Street Address | 286 RUBY LAKE LN, 193 |
|---|---|
| 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 193 |
| 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 | 193 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKE WALES |
| Census Block Group | 1 |
| Census Block | 1035 |
| Census Tract | 14401 |
Source: Polk County records · APN 27-29-07-855608-001930
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 | Company Name on File |
|---|---|
| Mailing Address | 286 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266 |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Feb 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CHURCHILL MORTGAGE CORP |
| Nov 17, 2022 | Intrafamily Transfer, Transfer ATTORNEY |
| Aug 24, 2018 | Warranty Deed, Transfer · Conventional Mortgage STATE FARM BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 24, 2018 · Amount on Record |
| Deed Sale | Aug 24, 2018 · Amount on Record |
| Prior Sale | Nov 26, 2002 · Amount on Record |
| Deed Document Number | 2018181124 |
| Deed Book / Page | 10591 / 2082 |
| Last Transfer Date | Oct 17, 2022 |
| Transfer Doc | 0000300929 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 286 RUBY LAKE LN # 193, 193, WINTER HAVEN, FL 33884-3266 |
| Transaction Type | Mortgage |
| Record Updated | Dec 02, 2022 |
| Name | Verified Name |
|---|---|
| Address | 286 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266 |
| Document Number | 0000045440 |
|---|---|
| Date | Feb 23, 2021 |
| Book Page | 11591/578 |
| Instrument | 2021045440 |
| Name | CHURCHILL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | BRENTWOOD, TN 37027 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 01, 2036 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Nov 17, 2022 |
| Property Address | 286 RUBY LAKE LN # 193, 193, WINTER HAVEN, FL 33884-3266 |
| Document Number | 0000300929 |
| Book / Page | 12488 / 110 |
| Map Reference | MB 112 PG 49&50 |
| Instrument Date | Oct 17, 2022 |
| Instrument | 2022300929 |
| Transaction Type | Transfer |
| Record Updated | Jun 07, 2023 |
| Title Company | ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 286 RUBY LAKE LN, 286, WINTER HAVEN, FL 33884-3266 |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 286 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 24, 2018 |
| Property Address | 286 RUBY LAKE LN # 193, 193, WINTER HAVEN, FL 33884-3266 |
| Document Number | 0105912082 |
| Book / Page | 010591 / 002082 |
| Instrument Date | Aug 21, 2018 |
| Instrument | 181124 |
| Transaction Type | Transfer |
| Record Updated | Sep 12, 2018 |
| Title Company | REAL ESTATE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,100.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 286 RUBY LAKE LN WINTER HAVEN FL 338843266, WINTER HAVEN, FL 33884-3266 |
| Document Number | 105912083 |
|---|---|
| Date | Aug 24, 2018 |
| Book Page | 010591/002083 |
| Instrument | 181125 |
| Name | STATE FARM BK |
|---|---|
| Type | Bank |
| Address | EARTH CITY, MO 63045 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 23, 2033 |
Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
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 | $4,234.00 (+5.82%) Homeowner's exemption | $269,924 (+5.99%) | $357,086 (+1.99%) Land $76,000 Building $281,086 |
| 2023 | $4,001.00 (+2.83%) Homeowner's exemption | $254,677 (+3%) | $350,108 (+14.2%) Land $74,000 Building $276,108 |
| 2022 | $3,891.00 Homeowner's exemption | $247,259 | $306,585 Land $62,000 Building $244,585 |
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
| 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 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.
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