Polk County property record for 314 Ruby Lake Loop, Winter Haven, FL 33884 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1998 |
| Square Footage | 2,060 sqft Living Area |
| Lot Size | 9,910 sqft (0.228 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $255,000 (2019) |
| Tax Bill | $4,824.00 (2025) |
| Primary APN | 27-29-07-855604-000730 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,060 sqft Living Area |
| Gross Area | 2,546 sqft Gross Area |
| 1st Floor | 2,060 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| 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 | 9,910 sqft (0.228 acres) |
| Depth X Width | 120 ft x 82 ft Depth x Width |
| Garage Type | Attached Garage |
| Garage Area | 486 sqft Garage |
| Pool Area | 392 sqft Pool |
| Porch Area | 253 sqft Porch |
| Cooling System | Central Cooling |
|---|
| Street Address | 314 RUBY LAKE LOOP |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-3269 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | RUBY LAKE PHASE THREE PB 105 PGS 34 & 35 LOT 73 |
| 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 | 73 |
| Jurisdiction | POLK FL |
| Minor Civil Division | LAKE WALES |
| Census Blockgroup | 1 |
| Census Block | 1039 |
| Census Tract | 14401 |
Source: Polk County records · APN 27-29-07-855604-000730
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 | 314 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3269 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Aug 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| May 22, 2019 | Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA |
| May 28, 2019 | Quit Claim Deed, Transfer REAL ESTATE TITLE SERVICES LLC, REAL ESTATE TITLE SVCS LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 22, 2019 · Amount on Record |
| Deed Sale | May 22, 2019 · Amount on Record |
| Prior Sale | Sep 04, 2002 · Amount on Record |
| Deed Doc Number | 2019105116 |
| Deed Book / Page | 10849 / 1056 |
| Prior Transfer Date | May 20, 2019 |
| Prior Transfer Doc | 0108550724 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 314 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3269 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 314 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3269 |
| Document Number | 0000226238 |
|---|---|
| Date | Aug 30, 2021 |
| Book Page | 11869/1708 |
| Instrument | 2021226238 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 22, 2019 |
| Property Address | 314 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3269 |
| Document Number | 0108491056 |
| Book / Page | 010849 / 001056 |
| Instrument Date | May 20, 2019 |
| Instrument | 105116 |
| Transaction Type | Transfer |
| Record Updated | Jun 05, 2019 |
| Title Company | REAL ESTATE TITLE, REAL ESTATE TITLE SVCS CORP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,785.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 314 RUBY LAKE LOOP WINTER HAVEN FL 338843269, WINTER HAVEN, FL 33884-3269 |
| Document Number | 108491057 |
|---|---|
| Date | May 22, 2019 |
| Book Page | 010849/001057 |
| Instrument | 105117 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 21, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 28, 2019 |
| Property Address | 314 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3269 |
| Document Number | 0108550724 |
| Book / Page | 010855 / 000724 |
| Instrument Date | May 20, 2019 |
| Instrument | 109587 |
| Transaction Type | Transfer |
| Record Updated | Jun 12, 2019 |
| Title Company | REAL ESTATE TITLE SERVICES LLC, REAL ESTATE TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 314 RUBY LAKE LOOP WINTER HAVEN FL 338843269, WINTER HAVEN, FL 33884-3269 |
Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,824.00 (+101.25%) Homeowner's exemption | $301,455 (+5.99%) | $329,310 (+4.08%) Land $76,000 Building $253,310 |
| 2024 | $2,397.00 (+2.35%) | ||
| 2023 | $2,342.00 (-47.25%) Homeowner's exemption | $284,426 (+3%) | $316,393 (+14.58%) Land $74,000 Building $242,393 |
| 2022 | $4,440.00 Homeowner's exemption | $276,142 Land $62,000 Building $214,142 | $276,142 Land $62,000 Building $214,142 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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.
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