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

Polk County property record for 316 Ruby Lake Loop, Winter Haven, FL 33884 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2005
Square Footage1,805 sqft Living Area
Lot Size9,910 sqft (0.228 acres)
OccupancyOwner Occupied
Last Sale$398,900 (2025)
Tax Bill$3,216.00 (2025)

Property Details

APN / Parcel Number

Primary APN27-29-07-855604-000720
Alternative APNs
  • 072927855604000720
  • 72927000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,805 sqft Living Area
Gross Area2,386 sqft Gross Area
1st Floor1,805 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 1998
Effective Year BuiltEffective 2005
Exterior MaterialStucco Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionHip Roof Construction
Roof MaterialOther (not Classified) Roof
Lot Area9,910 sqft (0.228 acres)
Depth X Width120 ft x 82 ft Depth x Width
Garage TypeAttached Garage
Garage Area441 sqft Garage
Porch Area629 sqft Porch

Utilities and HVAC

Cooling SystemCentral Cooling

Location & Zoning

Street Address316 RUBY LAKE LOOP
CityWINTER HAVEN
StateFL
Zip33884-3269
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionRUBY LAKE PHASE THREE PB 105 PGS 34 & 35 LOT 72
Legal Range27E
Legal Township29S
Legal Section07
Legal SubdivisionRUBY LAKE PHASE THREE
Legal Phase3
Legal Tract855604
Legal Block1
Legal Lot Number72
JurisdictionPOLK FL
Minor Civil DivisionLAKE WALES
Census Blockgroup1
Census Block1039
Census Tract14401

Owner

Source: Polk County records · APN 27-29-07-855604-000720

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 Address316 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3269
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingSingle Man

Deeds, Mortgages & Sale History

DateDocument
Feb 07, 2023Deed of Trust, Mortgage · Conventional Mortgage
AMERICAN LIBERTY MORTGAGE INC
Oct 22, 2025Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
JMAC LENDING INC
Jun 01, 2019Deed of Trust, Mortgage · Line of Credit
PNC BK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleOct 22, 2025 · Amount on Record
Deed SaleOct 22, 2025 · Amount on Record
Prior SaleJul 22, 2015 · Amount on Record
Deed Doc Number2025248829
Deed Book / Page13747 / 830
Record RefreshedSep 20, 2026

February 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address316 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3269
Transaction TypeMortgage
Record UpdatedApr 02, 2026
Title CompanyA-Z TEAM TITLE LLC, A Z TEAM TITLE LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address316 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3269

Mortgage

Document Number0000028690
DateFeb 07, 2023
Book Page12574/1018
Instrument2023028690
Lender
NameAMERICAN LIBERTY MORTGAGE INC
TypeMortgage Company
AddressDENVER, CO 80211
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 01, 2053

October 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateOct 22, 2025
Property Address316 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3269
Document Number0000248829
Book / Page13747 / 830
Map ReferenceMB 105 PG 34&35
Instrument DateOct 17, 2025
Instrument2025248829
Transaction TypeTransfer
Record UpdatedApr 02, 2026
Title CompanyA-Z TEAM TITLE LLC, A Z TEAM TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,792.30
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address439 TALAMONE DR, WINTER HAVEN, FL 33884-4159

Transferred To (Grantee/Buyer)

NameVerified Name
Address316 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3269

Mortgage

Document Number0013747832
DateOct 22, 2025
Instrument13747/832
Lender
NameJMAC LENDING INC
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2055

June 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address316 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3269
Document Number0108810853
Instrument DateJun 01, 2019
Transaction TypeMortgage
Record UpdatedJul 01, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address316 RUBY LAKE LOOP WINTER HAVEN FL 338843269, WINTER HAVEN, FL 33884-3269

Mortgage

Document Number0108810853
DateJun 20, 2019
Book Page010881/000853
Instrument128480
Lender
NamePNC BK
TypeBank
AddressKISSIMMEE, FL 34741
Agreement
TypeLine of Credit
AmountAmount Recorded
Term480 Months
DueJun 19, 2059
Interest
Rate TypeAdjustable Rate

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, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$3,216.00 (+3.24%)$215,495 (+2.9%)$313,800 (-2.37%) Land $76,000 Building $237,800
2024$3,115.00 (+24.6%) Homeowner's exemption$209,422 (+19.52%)$321,414 (+14.19%) Land $76,000 Building $245,414
2023$2,500.00 (+3.18%) Homeowner's exemption$175,223 (+3%)$281,475 (+15.46%) Land $74,000 Building $207,475
2022$2,423.00 Homeowner's exemption$170,119$243,792 Land $62,000 Building $181,792

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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