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

Polk County property record for 294 Ruby Lake Ln, Winter Haven, FL 33884 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,270 sqft · built 2002
Lot Size0.236 acres (10,293 sqft)
Owner2 Individual Names on File
Last Sale$309,500 (Jun 2021)
Tax Bill$6,285 (2025)
Deeds & MortgagesJun 2021 Sale & Mortgage
Dec 2020 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN27-29-07-855608-001970

Property Details

APN / Parcel Number

Primary APN27-29-07-855608-001970
Alternative APNs
  • 072927855608001970
  • 72927000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area2,270 sqft Living Area
Gross Area2,822 sqft Gross Area
1st Floor Area2,270 sqft 1st Floor
Stories1 Story
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2002
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeGable
Roof MaterialOther
Lot Area10,293 sqft (0.236 acres)
Lot Width125 ft Width
Garage TypeAttached
Garage Area552 sqft Garage
PorchScreened/Unfinished Porch
Porch Area420 sqft Porch
View / LotCommercial/Industrial

Location & Zoning

Street Address294 RUBY LAKE LN
CityWINTER HAVEN
StateFL
Zip33884-3266
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionRUBY LAKE PHASE SIX PB 112 PG 49-50 LOT 197
Legal Range27E
Legal Township29S
Legal Section07
Legal SubdivisionRUBY LAKE PHASE 6
Legal Phase6
Legal Tract855608
Legal Block1
Legal Lot Number197
JurisdictionPOLK FL
Township / Civil DivisionLAKE WALES
Census Block Group1
Census Block1035
Census Tract14401

Owner

Source: Polk County records · APN 27-29-07-855608-001970

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 Record2 Individual Names on File
Mailing Address294 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 10, 2021Warranty Deed, Transfer · Conventional Mortgage
LOANLEADERS OF AMERICA INC
Dec 23, 2020Deed of Trust, Mortgage · FHA Mortgage
PARAMOUNT RESID'L MTG
Jun 03, 2019Grant Deed, Transfer · FHA Mortgage
PARAMOUNT RESID'L MTG
Oct 24, 2018Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 10, 2021 · Amount on Record
Deed SaleJun 10, 2021 · Amount on Record
Prior SaleJun 03, 2019 · Amount on Record
Deed Document Number2021150796
Deed Book / Page11754 / 413
Record UpdatedSep 20, 2026

June 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateJun 10, 2021
Property Address294 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266
Document Number0000150796
Book / Page11754 / 413
Map ReferenceMB 112 PG 49&50
Instrument DateJun 04, 2021
Instrument2021150796
Transaction TypeTransfer
Record UpdatedJun 24, 2021
Title CompanyEASY TITLE COMPANY LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,166.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4098 LAKE NED VILLAGE CIR, 4098, CYPRESS GARDENS, FL 33884-2587

Transferred To (Grantee/Buyer)

NameVerified Name
Address294 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266

Mortgage

Document Number0011754415
DateJun 10, 2021
Instrument11754/415
Lender
NameLOANLEADERS OF AMERICA INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2051

December 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address294 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266
Document Number0115370218
Instrument DateDec 23, 2020
Transaction TypeMortgage
Record UpdatedJan 27, 2021
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address294 RUBY LAKE LN WINTER HAVEN FL 338843266, WINTER HAVEN, FL 33884-3266

Mortgage

Document Number0115370218
DateJan 13, 2021
Book Page011537/000218
Instrument9779
Lender
NamePARAMOUNT RESID'L MTG
TypeMortgage Company
AddressCORONA, CA 92879
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJan 12, 2051

June 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionPOLK FL
Recording DateJun 03, 2019
Property Address294 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266
Document Number0108620108
Book / Page010862 / 000108
Instrument DateMay 08, 2019
Instrument114085
Transaction TypeTransfer
Record UpdatedJun 20, 2019
Title CompanyBUYERS TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,644.30
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address294 RUBY LAKE LN WINTER HAVEN FL 338843266, WINTER HAVEN, FL 33884-3266

Mortgage

Document Number108620110
DateJun 03, 2019
Book Page010862/000110
Instrument114086
Lender
NamePARAMOUNT RESID'L MTG
TypeMortgage Company
AddressCORONA, CA 92879
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJun 02, 2049

October 2018: Trustee's Deed, Foreclosure

Document TypeTrustee's Deed
JurisdictionPOLK FL
Recording DateOct 24, 2018
Property Address294 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266
Document Number0106501468
Book / Page010650 / 001468
Instrument DateOct 09, 2018
Instrument223815
Transaction TypeForeclosure
Record UpdatedNov 09, 2018

Transaction

AmountAmount Recorded
Tax$994.70
Amount AccuracyConfirmed

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address15480 LAGUNA CANYON RD #100 IRVINE CA 926182132, 100, IRVINE, CA 92618-2132

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
MunicipalityWinter Haven City
Unified School DistrictPolk 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.

YearTax BillAssessed ValueAssessed Market Value
2025$6,285.00 (+2.39%)$336,143 (-0.51%) Land $76,000 Building $260,143$336,143 (-0.51%) Land $76,000 Building $260,143
2023$6,138.00 (+10.97%)$337,854 (+16.2%) Land $74,000 Building $263,854$337,854 (+16.2%) Land $74,000 Building $263,854
2022$5,531.00$290,742 Land $62,000 Building $228,742$290,742 Land $62,000 Building $228,742

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 ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone A, within 500 ft

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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

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