Polk County property record for 295 Ruby Lake Ln, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,838 sqft · built 2002 |
| Lot Size | 0.241 acres (10,498 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $189,000 (May 2012) |
| Tax Bill | $3,086 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-29-07-855608-001690 |
| Primary APN | 27-29-07-855608-001690 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,838 sqft Living Area |
| Gross Area | 2,300 sqft |
| 1st Floor Area | 1,838 sqft |
| 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 | 10,498 sqft (0.241 acres) |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Pool Area | 392 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 524 sqft |
| Street Address | 295 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 169 |
| 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 | 169 |
| Jurisdiction | POLK FL |
| Township / Civil Division | LAKE WALES |
| Census Block Group | 1 |
| Census Block | 1037 |
| Census Tract | 14401 |
Source: Polk County assessment roll, 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 File |
|---|---|
| Mailing Address | 295 RUBY LAKE LN, WINTER HAVEN, FL 33884-3267 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 31, 2012 · Amount on Record |
| Deed Sale | May 31, 2012 · Amount on Record |
| Prior Sale | Sep 2, 2004 · Amount on Record |
| Deed Document Number | 201295841 |
| Deed Book / Page | 8661 / 1514 |
| Record Updated | Sep 20, 2026 |
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 | $3,086.00 (+6.19%) Homeowner's exemption | $208,497 (+5.99%) | $326,218 (+1.92%) Land $76,000 Building $250,218 |
| 2023 | $2,906.00 (+3.05%) Homeowner's exemption | $196,719 (+3%) | $320,062 (+15.92%) Land $74,000 Building $246,062 |
| 2022 | $2,820.00 Homeowner's exemption | $190,989 | $276,101 Land $62,000 Building $214,101 |
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 500 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 | 0.01% annual chance |
| Exposure | None beyond ember reach |
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 206 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
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