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

Polk County property record for 298 Ruby Lake Ln, Winter Haven, FL 33884

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,158 sqft · built 2003
Lot Size0.236 acres (10,280 sqft)
Owner2 Company Names on Record
Last Sale$240,000 (Oct 2018)
Tax Bill$3,741 (2025)
Deeds & MortgagesNov 2025 Transfer
Oct 2019 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN27-29-07-855608-001990

Property Details

APN / Parcel Number

Primary APN27-29-07-855608-001990
Alternative APNs
  • 072927855608001990
  • 72927000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,158 sqft Living Area
Gross Area2,578 sqft
1st Floor Area2,158 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2003
Effective Year BuiltEffective 2003
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeConcrete
Roof TypeHip
Roof MaterialOther
Lot Area10,280 sqft (0.236 acres)
Lot Width125 ft Width
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area420 sqft
PorchScreened/Unfinished Porch
Porch Area217 sqft

Location & Zoning

Street Address298 RUBY LAKE LN
CityWINTER HAVEN
StateFL
Zip33884-3266
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionRUBY LAKE PHASE SIX PB112 PG 49-50 LOT 199
Legal Range27E
Legal Township29S
Legal Section07
Legal SubdivisionRUBY LAKE PHASE 6
Legal Phase6
Legal Tract855608
Legal Block1
Legal Lot Number199
JurisdictionPOLK FL
Township / Civil DivisionLAKE WALES
Census Block Group1
Census Block1035
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 Address298 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266
Owner TypeCompany
VestingLife Tenant

Deeds, Mortgages & Sale History

DateDocument
Nov 7, 2025Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
Oct 25, 2019Deed of Trust, Mortgage · Conventional Mortgage
MIDFLORIDA CU ISAOA
Oct 30, 2018Warranty Deed, Transfer · Conventional Mortgage
VANDYK MTG

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 30, 2018 · Amount on Record
Deed SaleOct 30, 2018 · Amount on Record
Prior SaleDec 31, 2014 · Amount on Record
Deed Document Number2018227831
Deed Book / Page10655 / 2147
Last Transfer DateOct 31, 2025
Transfer Doc0000265028
Record UpdatedOct 29, 2026

November 2025: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionPOLK FL
Recording DateNov 7, 2025
Property Address298 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266
Document Number0000265028
Book / Page13771 / 540
Map ReferenceMB 112 PG 49
Instrument DateOct 31, 2025
Instrument2025265028
Transaction TypeTransfer
Record UpdatedNov 28, 2025
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address298 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Living Trust
Address298 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266

October 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address298 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266
Document Number0110242231
Instrument DateOct 25, 2019
Transaction TypeMortgage
Record UpdatedNov 20, 2019
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address298 RUBY LAKE LN WINTER HAVEN FL 338843266, WINTER HAVEN, FL 33884-3266

Mortgage

Document Number0110242231
DateOct 31, 2019
Book Page011024/002231
Instrument231006
Lender
NameMIDFLORIDA CU ISAOA
TypeCredit Union
AddressLAKELAND, FL 33802-8008
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueOct 30, 2034

October 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateOct 30, 2018
Property Address298 RUBY LAKE LN, WINTER HAVEN, FL 33884-3266
Document Number0106552147
Book / Page010655 / 002147
Instrument DateOct 26, 2018
Instrument227831
Transaction TypeTransfer
Record UpdatedNov 15, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,680.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1995 BRETTON RIDGE WAY WINTER HAVEN FL 338841182, WINTER HAVEN, FL 33884-1182

Mortgage

Document Number106552149
DateOct 30, 2018
Book Page010655/002149
Instrument227832
Lender
NameVANDYK MTG
TypeMortgage Company
AddressGRAND RAPIDS, MI 49546
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueOct 29, 2048

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$250,141 (+2.7%)$290,159 (-7.01%) Land $76,000 Building $214,159
2025$3,741.00 (+3.2%) Homeowner's exemption$243,565 (+2.9%)$312,030 (-3.55%) Land $76,000 Building $236,030
2024$3,625.00 (+2.66%) Homeowner's exemption$236,701 (+3%)$323,505 (+3.97%) Land $76,000 Building $247,505
2023$3,531.00 (+2.91%) Homeowner's exemption$229,807 (+3%)$311,152 (+13.97%) Land $74,000 Building $237,152
2022$3,431.00 Homeowner's exemption$223,114$273,016 Land $62,000 Building $211,016

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 500 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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