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

Polk County property record for 313 Ruby Lake Loop, Winter Haven, FL 33884 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2010
Square Footage	1,802 sqft Living Area
Lot Size	11,748 sqft (0.27 acres)
Garage	Attached, 484 sqft
Last Sale	$429,900 (2023)
Tax Bill	$5,218.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`27-29-07-855604-000610`
Alternative APNs	`072927855604000610` `72927000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,802 sqft Living Area
Gross Area	2,286 sqft Gross Area
1st Floor	1,802 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2010
Exterior Material	Stucco Exterior
Construction Type	Masonry/Concrete Masonry Units (CMUs) Construction
Roof Construction	Hip Roof Construction
Roof Material	Other (not Classified) Roof
Lot Area	11,748 sqft (0.27 acres)
Depth X Width	142 ft x 82 ft Depth x Width
Garage Type	Attached Garage
Garage Area	484 sqft Garage
Porch Area	290 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling

Location & Zoning

Street Address	313 RUBY LAKE LOOP
City	WINTER HAVEN
State	FL
Zip	33884-3268
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	RUBY LAKE PHASE THREE PB 105 PGS 34 & 35 LOT 61
Legal Range	27E
Legal Township	29S
Legal Section	07
Legal Subdivision	RUBY LAKE PHASE THREE
Legal Phase	3
Legal Tract	855604
Legal Block	1
Legal Lot Number	61
Jurisdiction	POLK FL
Minor Civil Division	LAKE WALES
Census Blockgroup	1
Census Block	1035
Census Tract	14401

Owner

Source: Polk County records · APN 27-29-07-855604-000610

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	2 Individual Names on File
Mailing Address	65 VIAJAR WAY, SMITHFIELD, NC 27577-6628
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Single Man

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 17, 2023 · Amount on Record
Deed Sale	Jul 17, 2023 · Amount on Record
Prior Sale	Aug 25, 1998 · Amount on Record
Deed Doc Number	2023164643
Deed Book / Page	12764 / 235
Record Refreshed	Sep 20, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jul 17, 2023
Property Address	313 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268
Document Number	0000164643
Book / Page	12764 / 235
Map Reference	MB 105 PG 34
Instrument Date	Jul 10, 2023
Instrument	2023164643
Transaction Type	Transfer
Record Updated	Jul 31, 2023
Title Company	INTEGRITY FIRST TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,009.30
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6632 PINEHURST DR, GRANBURY, TX 76049-2828

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	65 VIAJAR WAY, SMITHFIELD, NC 27577-6628

Mortgage

Document Number	0012764237
Date	Jul 17, 2023
Instrument	12764/237

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2053

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,218.00 (+107.23%) Homeowner's exemption	$322,526 (+83.09%) Land $76,000 Building $246,526	$322,526 (+8.5%) Land $76,000 Building $246,526
2023	$2,518.00 (+3.2%) Homeowner's exemption	$176,161 (+3%)	$297,246 (+15.04%) Land $74,000 Building $223,246
2022	$2,440.00 Homeowner's exemption	$171,030	$258,374 Land $62,000 Building $196,374

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 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

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.