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309 Ruby Lake Loop, Winter Haven, FL 33884 Property Records

Polk County property record for 309 Ruby Lake Loop, Winter Haven, FL 33884 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 1998
Square Footage2,043 sqft Living Area
Lot Size13,996 sqft (0.321 acres)
OccupancyOwner Occupied
Last Sale$361,000 (2023)
Tax Bill$4,702.00 (2025)

Property Details

APN / Parcel Number

Primary APN27-29-07-855604-000590
Alternative APNs
  • 072927855604000590
  • 72927000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area2,043 sqft Living Area
Gross Area2,442 sqft Gross Area
1st Floor2,043 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 1998
Effective Year BuiltEffective 1998
Exterior MaterialStucco Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionHip Roof Construction
Roof MaterialOther (not Classified) Roof
Lot Area13,996 sqft (0.321 acres)
Depth X Width143 ft x 97 ft Depth x Width
Garage TypeAttached Garage
Garage Area399 sqft Garage
Patio Area340 sqft Patio
Porch Area32 sqft Porch

Utilities and HVAC

Cooling SystemCentral Cooling

Location & Zoning

Street Address309 RUBY LAKE LOOP
CityWINTER HAVEN
StateFL
Zip33884-3268
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionRUBY LAKE PHASE THREE PB 105 PGS 34 & 35 LOT 59
Legal Range27E
Legal Township29S
Legal Section07
Legal SubdivisionRUBY LAKE PHASE THREE
Legal Phase3
Legal Tract855604
Legal Block1
Legal Lot Number59
JurisdictionPOLK FL
Minor Civil DivisionLAKE WALES
Census Blockgroup1
Census Block1035
Census Tract14401

Owner

Source: Polk County records · APN 27-29-07-855604-000590

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 RecordIndividual Name on File
Mailing Address309 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Nov 13, 2025Deed of Trust, Mortgage · Conventional Mortgage
NATIONSTAR MORTGAGE LLC
Dec 07, 2023Warranty Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Mar 07, 2022Warranty Deed, Transfer · Conventional Mortgage
PARAMOUNT RESIDENTIAL MORTGAGE GROU
Sep 04, 2019Warranty Deed, Transfer · Conventional Mortgage
PRIMARY RESID'L MTG
Feb 08, 2018Warranty Deed, Transfer
THE MTG FIRM

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 07, 2023 · Amount on Record
Deed SaleDec 07, 2023 · Amount on Record
Prior SaleMar 07, 2022 · Amount on Record
Deed Doc Number2023285760
Deed Book / Page12932 / 889
Record RefreshedSep 20, 2026

November 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address309 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268
Transaction TypeMortgage
Record UpdatedNov 28, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address309 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268

Mortgage

Document Number0000269034
DateNov 13, 2025
Book Page13777/249
Instrument2025269034
Lender
NameNATIONSTAR MORTGAGE LLC
TypeMortgage Company
AddressCOPPELL, TX 75019
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueDec 01, 2040

December 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateDec 07, 2023
Property Address309 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268
Document Number0000285760
Book / Page12932 / 889
Map ReferenceMB 105 PG 34&35
Instrument DateNov 22, 2023
Instrument2023285760
Transaction TypeTransfer
Record UpdatedDec 20, 2023
Title CompanyFIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,527.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address5504 SUMMER PL, JONESVILLE, NC 28642

Transferred To (Grantee/Buyer)

NameVerified Name
AddressIS 309 RUBY LAKE LOOP, WINTER HAVEN, FL 33884

Mortgage

Document Number0012932891
DateDec 07, 2023
Instrument12932/891
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueDec 01, 2053

March 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateMar 07, 2022
Property Address309 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268
Document Number0000061270
Book / Page12149 / 100
Map ReferenceMB 105 PG 34
Instrument DateMar 04, 2022
Instrument2022061270
Transaction TypeTransfer
Record UpdatedMar 21, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,443.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address229 SANTA ROSA DR, 229, WINTER HAVEN, FL 33884-3803

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address309 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268

Mortgage

Document Number0012149102
DateMar 07, 2022
Instrument12149/102
Lender
NamePARAMOUNT RESIDENTIAL MORTGAGE GROU
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2052

September 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateSep 04, 2019
Property Address309 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268
Document Number0109610267
Book / Page010961 / 000267
Instrument DateAug 30, 2019
Instrument185955
Transaction TypeTransfer
Record UpdatedSep 17, 2019
Title CompanyREAL ESTATE TITLE, REAL ESTATE TITLE SVCS CORP

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,687.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address309 RUBY LAKE LOOP WINTER HAVEN FL 338843268, WINTER HAVEN, FL 33884-3268

Mortgage

Document Number109610268
DateSep 04, 2019
Book Page010961/000268
Instrument185956
Lender
NamePRIMARY RESID'L MTG
TypeMortgage Company
AddressSALT LAKE CITY, UT 84118
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueSep 03, 2049

February 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateFeb 08, 2018
Property Address309 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268
Document Number0103910351
Book / Page010391 / 000351
Instrument DateFeb 06, 2018
Instrument29324
Transaction TypeTransfer
Record UpdatedMay 09, 2018
Title CompanyINTEGRITY FIRST TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,463.00
Additional
  • Lis Pendens
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address148 MARYLEE LN FL, FL

Mortgage

Document Number103910352
DateFeb 08, 2018
Book Page010391/000352
Instrument29325
Lender
NameTHE MTG FIRM
TypeMortgage Company
AddressALTAMONTE SPRINGS, FL 32714
Agreement
AmountAmount Recorded
Term360 Months
DueFeb 07, 2048

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$4,702.00 (-14.66%) Homeowner's exemption$294,966 (+1.09%) Land $76,000 Building $218,966$294,966 (+1.09%) Land $76,000 Building $218,966
2023$5,510.00 (+13.37%)$291,776 (+14.22%) Land $74,000 Building $217,776$291,776 (+14.22%) Land $74,000 Building $217,776
2022$4,860.00$255,458 Land $62,000 Building $193,458$255,458 Land $62,000 Building $193,458

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 AE, 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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