Polk County property record for 321 Ruby Lake Loop, Winter Haven, FL 33884 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1999 |
| Square Footage | 1,965 sqft Living Area |
| Lot Size | 11,609 sqft (0.267 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $250,000 (2006) |
| Tax Bill | $3,359.00 (2025) |
| Primary APN | 27-29-07-855604-000650 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,965 sqft Living Area |
| Gross Area | 2,471 sqft Gross Area |
| 1st Floor | 1,965 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| 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 | 11,609 sqft (0.267 acres) |
| Depth X Width | 140 ft x 82 ft Depth x Width |
| Garage Type | Attached Garage |
| Garage Area | 506 sqft Garage |
| Patio Area | 100 sqft Patio |
| Porch Area | 409 sqft Porch |
| Street Address | 321 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 65 |
| 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 | 65 |
| Jurisdiction | POLK FL |
| Minor Civil Division | LAKE WALES |
| Census Blockgroup | 1 |
| Census Block | 1035 |
| Census Tract | 14401 |
Source: Polk County records · APN 27-29-07-855604-000650
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 | 321 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Aug 07, 2023 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage PENNYMAC LOAN SERVICES LLC |
| Mar 01, 2021 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FIRST COMMUNITY MORTGAGE INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 14, 2006 · Amount on Record |
| Deed Sale | Apr 14, 2006 · Amount on Record |
| Prior Sale | Nov 10, 1999 · Amount on Record |
| Deed Doc Number | 200693726 |
| Deed Book / Page | 6728 / 61 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 321 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268 |
| Transaction Type | Mortgage |
| Record Updated | Aug 28, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 321 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268 |
| Document Number | 0000183456 |
|---|---|
| Date | Aug 07, 2023 |
| Book Page | 12790/2226 |
| Instrument | 2023183456 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 331 Months |
| Due | Mar 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 321 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2021 |
| Name | Verified Name |
|---|---|
| Address | 321 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268 |
| Document Number | 0000050878 |
|---|---|
| Date | Mar 01, 2021 |
| Book Page | 11599/1422 |
| Instrument | 2021050878 |
| Name | FIRST COMMUNITY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | MURFREESBORO, TN 37129 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2051 |
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 | $3,359.00 (+6.06%) Homeowner's exemption | $223,135 (+5.99%) | $337,444 (+1.66%) Land $76,000 Building $261,444 |
| 2023 | $3,167.00 (+2.99%) Homeowner's exemption | $210,530 (+3%) | $331,938 (+16.28%) Land $74,000 Building $257,938 |
| 2022 | $3,075.00 Homeowner's exemption | $204,398 | $285,473 Land $62,000 Building $223,473 |
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 AE, 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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