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

Polk County property record for 318 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 1998
Square Footage	1,930 sqft Living Area
Lot Size	9,910 sqft (0.228 acres)
Occupancy	Owner Occupied
Last Sale	$218,000 (2017)
Tax Bill	$3,428.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`27-29-07-855604-000710`
Alternative APNs	`072927855604000710` `72927000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,930 sqft Living Area
Gross Area	2,371 sqft Gross Area
1st Floor	1,930 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 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	441 sqft Garage
Pool Area	512 sqft Pool
Porch Area	543 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling

Location & Zoning

Street Address	318 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 71
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	71
Jurisdiction	POLK FL
Minor Civil Division	LAKE WALES
Census Blockgroup	1
Census Block	1039
Census Tract	14401

Owner

Source: Polk County records · APN 27-29-07-855604-000710

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	Individual Name on File
Mailing Address	318 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3269
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 04, 2017 · Amount on Record
Deed Sale	Oct 04, 2017 · Amount on Record
Prior Sale	Mar 29, 2010 · Amount on Record
Deed Doc Number	2017189456
Deed Book / Page	10276 / 2276
Prior Transfer Date	May 28, 2003
Prior Transfer Doc	5376001212
Record Refreshed	Sep 20, 2026

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Oct 04, 2017
Property Address	318 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3269
Document Number	0102762276
Book / Page	010276 / 002276
Instrument Date	Sep 29, 2017
Instrument	189456
Transaction Type	Transfer
Record Updated	Oct 31, 2017
Title Company	PARAMOUNT TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,526.00
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 RUBY LAKE LOOP WINTER HAVEN FL 338843269, WINTER HAVEN, FL 33884-3269

Mortgage

Document Number	102762278
Date	Oct 04, 2017
Book Page	010276/002278
Instrument	189457

Lender

Name	REAL EST MTG NTWK
Type	Mortgage Company
Address	ISELIN, NJ 08820

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 03, 2047

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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,428.00 (+6.06%) Homeowner's exemption	$226,798 (+5.99%)	$326,926 (+3.53%) Land $76,000 Building $250,926
2023	$3,232.00 (+2.96%) Homeowner's exemption	$213,986 (+3%)	$315,780 (+15.24%) Land $74,000 Building $241,780
2022	$3,139.00 Homeowner's exemption	$207,753	$274,017 Land $62,000 Building $212,017

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.