Polk County property record for 323 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 | 1,745 sqft Living Area |
| Lot Size | 11,574 sqft (0.266 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $238,000 (2020) |
| Tax Bill | $3,067.00 (2025) |
| Primary APN | 27-29-07-855604-000660 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,745 sqft Living Area |
| Gross Area | 2,145 sqft Gross Area |
| 1st Floor | 1,745 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 | 11,574 sqft (0.266 acres) |
| Depth X Width | 140 ft x 82 ft Depth x Width |
| Garage Type | Attached Garage |
| Garage Area | 400 sqft Garage |
| Porch Area | 103 sqft Porch |
| Cooling System | Central Cooling |
|---|
| Street Address | 323 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 66 |
| 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 | 66 |
| Jurisdiction | POLK FL |
| Minor Civil Division | LAKE WALES |
| Census Blockgroup | 1 |
| Census Block | 1035 |
| Census Tract | 14401 |
Source: Polk County records · APN 27-29-07-855604-000660
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 | 323 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 08, 2020 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage AMERIFIRST FIN'L CORP |
| Aug 14, 2018 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 08, 2020 · Amount on Record |
| Deed Sale | Jun 08, 2020 · Amount on Record |
| Prior Sale | Aug 14, 2018 · Amount on Record |
| Deed Doc Number | 2020112731 |
| Deed Book / Page | 11256 / 2234 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jun 08, 2020 |
| Property Address | 323 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268 |
| Document Number | 0112562234 |
| Book / Page | 011256 / 002234 |
| Instrument Date | May 22, 2020 |
| Instrument | 112731 |
| Transaction Type | Transfer |
| Record Updated | Jul 01, 2020 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,666.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 323 RUBY LAKE LOOP WINTER HAVEN FL 338843268, WINTER HAVEN, FL 33884-3268 |
| Document Number | 112562235 |
|---|---|
| Date | Jun 08, 2020 |
| Book Page | 011256/002235 |
| Instrument | 112732 |
| Name | AMERIFIRST FIN'L CORP |
|---|---|
| Address | PORTAGE, MI 49002 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 07, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 14, 2018 |
| Property Address | 323 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268 |
| Document Number | 0105802135 |
| Book / Page | 010580 / 002135 |
| Instrument Date | Aug 10, 2018 |
| Instrument | 172949 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2018 |
| Title Company | INTEGRITY FIRST TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,470.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 51 SKYVIEW CIR MEREDITH NH 032535204, MEREDITH, NH 03253-5204 |
| Document Number | 105802136 |
|---|---|
| Date | Aug 14, 2018 |
| Book Page | 010580/002136 |
| Instrument | 172950 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 13, 2033 |
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 | $3,067.00 (+6.2%) Homeowner's exemption | $207,484 (+5.99%) | $271,142 (+1.22%) Land $76,000 Building $195,142 |
| 2023 | $2,888.00 (+3.07%) Homeowner's exemption | $195,764 (+3%) | $267,879 (+15.01%) Land $74,000 Building $193,879 |
| 2022 | $2,802.00 Homeowner's exemption | $190,062 | $232,918 Land $62,000 Building $170,918 |
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures