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

Polk County property record for 319 Ruby Lake Loop, Winter Haven, FL 33884 · Last verified January 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms3 Baths
Year BuiltBuilt 1999
Square Footage2,139 sqft Living Area
Lot Size11,644 sqft (0.267 acres)
Garage462 sqft
OccupancyOwner Occupied
Last Sale$220,000 (2018)

Property Details

APN / Parcel Number

Primary APN72927000
Alternative APNs
  • 272907855604000640
  • 072927855604000640

Interior

Bedrooms4 Beds
Full Baths3 Baths
Building Area2,139 sqft Living Area
Gross Area2,857 sqft Gross Area
1st Floor2,139 sqft 1st Floor
Stories1 Stories
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 1999
Architectural StyleOther Style
Exterior MaterialStucco Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Foundation TypeConcrete Foundation
Roof ConstructionHip Roof Construction
Roof MaterialShingle Roof
Lot Area11,644 sqft (0.267 acres)
Depth X Width141 ft x 82 ft Depth x Width
Garage Area462 sqft Garage
PorchOpen Porch
Porch Area256 sqft Porch

Location & Zoning

Account Number72927000
Old Parcel Number072927855604000640
Street Address319 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 64
Legal Range27
Legal Township29
Legal Section07
Legal SubdivisionRUBY LAKE PHASE THREE
Legal Phase3
Legal Tract855604
Legal Lot Number64
JurisdictionPOLK FL
Minor Civil DivisionLAKE WALES
Census Blockgroup1
Census Block1035
Census Tract14401

Owner

Source: Polk County records · APN 72927000

Assessment roll updated July 1, 2025 · Last verified January 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address319 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jun 10, 2026Deed of Trust, Mortgage · Veterans Administration Mortgage
FREEDOM MORTGAGE CORPORATION
Sep 22, 2025Deed of Trust, Mortgage · Veterans Administration Mortgage
FREEDOM MORTGAGE CORP
Mar 04, 2021Deed of Trust, Mortgage · Veterans Administration Mortgage
INTERCONTINENTAL CAPITAL GROUP INC
Apr 08, 2020Deed of Trust, Mortgage · Veterans Administration Mortgage
PENNYMAC
Jul 25, 2019Deed of Trust, Mortgage · Veterans Administration Mortgage
PRIME LNDG
Mar 15, 2018Warranty Deed, Transfer · Veterans Administration Mortgage
PRIME LNDG
Jun 14, 2017Warranty Deed, Transfer
AMERICAN LIBERTY MTG INC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 15, 2018 · Amount on Record
Deed SaleMar 15, 2018 · Amount on Record
Prior SaleJun 14, 2017 · Amount on Record
Deed Doc Number2018056241
Deed Book / Page10423 / 1791
Record RefreshedSep 20, 2026

June 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Recording DateJun 10, 2026
Property Address319 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268
Document Number0000138570
Book / Page14032 / 1644
Instrument DateJun 02, 2026
Instrument2026138570
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000138570,
DateJun 10, 2026
Book Page14032/1644
Instrument2026138570
Lender
NameFREEDOM MORTGAGE CORPORATION
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueJul 01, 2056
Interest
Rate6.37%
Max Rate-1%

September 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address319 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268
Transaction TypeMortgage
Record UpdatedOct 08, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address319 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268

Mortgage

Document Number0000221593
DateSep 22, 2025
Book Page13706/1574
Instrument2025221593
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2055

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address319 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268
Transaction TypeMortgage
Record UpdatedJun 22, 2021
Title CompanyNATIONWIDE TITLE CLEARING INC, NATIONWIDE TTL CLEARING INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address319 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268

Mortgage

Document Number0000054708
DateMar 04, 2021
Book Page11605/1340
Instrument2021054708
Lender
NameINTERCONTINENTAL CAPITAL GROUP INC
TypeMortgage Company
AddressMELVILLE, NY 11747
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueMar 01, 2051

April 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address319 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268
Document Number0112100009
Instrument DateApr 08, 2020
Transaction TypeMortgage
Record UpdatedMay 14, 2020
Title CompanyTITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address319 RUBY LAKE LOOP WINTER HAVEN FL 338843268, WINTER HAVEN, FL 33884-3268

Mortgage

Document Number0112100009
DateApr 17, 2020
Book Page011210/000009
Instrument81556
Lender
NamePENNYMAC
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueApr 16, 2050

July 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address319 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268
Document Number0109261803
Instrument DateJul 25, 2019
Transaction TypeMortgage
Record UpdatedAug 15, 2019
Title CompanyNATIONWIDE TITLE CLEARING INC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address319 RUBY LAKE LOOP WINTER HAVEN FL 338843268, WINTER HAVEN, FL 33884-3268

Mortgage

Document Number0109261803
DateAug 01, 2019
Book Page010926/001803
Instrument161541
Lender
NamePRIME LNDG
AddressDALLAS, TX 75252
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueJul 31, 2049

March 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateMar 15, 2018
Property Address319 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268
Document Number0104231791
Book / Page010423 / 001791
Instrument DateMar 08, 2018
Instrument56241
Transaction TypeTransfer
Record UpdatedJul 16, 2018
Title CompanyNATIONWIDE TITLE CLEARING INC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,540.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address319 RUBY LAKE LOOP WINTER HAVEN FL 338843268, WINTER HAVEN, FL 33884-3268

Mortgage

Document Number104231792
DateMar 15, 2018
Book Page010423/001792
Instrument56242
Lender
NamePRIME LNDG
AddressDALLAS, TX 75252
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueMar 14, 2048

June 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateJun 14, 2017
Property Address319 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268
Document Number0101752021
Book / Page010175 / 002021
Instrument DateMay 31, 2017
Instrument113172
Transaction TypeTransfer
Record UpdatedMar 15, 2018
Title CompanyFLORIDA FAM TITLE LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,449.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address319 RUBY LAKE LOOP WINTER HAVEN FL 338843268, WINTER HAVEN, FL 33884-3268

Mortgage

Document Number101752023
DateJun 14, 2017
Book Page010175/002023
Instrument113173
Lender
NameAMERICAN LIBERTY MTG INC
TypeMortgage Company
AddressDENVER, CO 80211
Agreement
AmountAmount Recorded
Term360 Months
DueJun 13, 2047

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated July 1, 2025 · Last verified January 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
2025Homeowner's exemption$234,625 (+5.99%)$313,045 (+1.23%) Land $76,000 Building $237,045
2023Homeowner's exemption$221,372$309,248 Land $74,000 Building $235,248

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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