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

Polk County property record for 332 Ruby Lake Loop, Winter Haven, FL 33884 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 1998
Square Footage2,107 sqft Living Area
Lot Size10,633 sqft (0.244 acres)
GarageAttached, 441 sqft
OccupancyOwner Occupied
Last Sale$333,500 (2021)

Property Details

APN / Parcel Number

Primary APN27-29-07-855605-000470
Alternative APNs
  • 072927855605000470
  • 72927000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area2,107 sqft Living Area
Gross Area2,548 sqft Gross Area
1st Floor2,107 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 1998
Effective Year BuiltEffective 1998
Exterior MaterialStucco Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionHip Roof Construction
Roof MaterialOther (not Classified) Roof
Lot Area10,633 sqft (0.244 acres)
Depth X Width125 ft x 85 ft Depth x Width
Garage TypeAttached Garage
Garage Area441 sqft Garage
Pool Area392 sqft Pool
Porch Area280 sqft Porch

Utilities and HVAC

Cooling SystemCentral Cooling

Location & Zoning

Street Address332 RUBY LAKE LOOP
CityWINTER HAVEN
StateFL
Zip33884-3269
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionRUBY LAKE PHASE TWO PB 106 PG 10 LOT 47
Legal Range27E
Legal Township29S
Legal Section07
Legal SubdivisionRUBY LAKE PHASE TWO
Legal Phase2
Legal Tract855605
Legal Block1
Legal Lot Number47
JurisdictionPOLK FL
Minor Civil DivisionLAKE WALES
Census Blockgroup1
Census Block1039
Census Tract14401

Owner

Source: Polk County records · APN 27-29-07-855605-000470

Assessment roll updated August 25, 2025 · Last verified April 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 Address332 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3269
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Mar 25, 2026Deed of Trust, Mortgage · Veterans Administration Mortgage
FREEDOM MORTGAGE CORP
Jan 18, 2024Deed of Trust, Mortgage · Veterans Administration Mortgage
FREEDOM MORTGAGE CORP
Jan 20, 2023Deed of Trust, Mortgage · Veterans Administration Mortgage
NEW DAY FINANCIAL LLC
Jul 15, 2021Special Warranty Deed, Transfer · Veterans Administration Mortgage
UNITED WHOLESALE MORTGAGE
Feb 22, 2021Warranty Deed, Transfer
ZILLOW CLOSING SERVICES LLC
Mar 01, 2019Deed of Trust, Mortgage · Conventional Mortgage
MIDFLORIDA CU ISAOA

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJul 15, 2021 · Amount on Record
Deed SaleJul 15, 2021 · Amount on Record
Prior SaleFeb 22, 2021 · Amount on Record
Deed Doc Number2021183009
Deed Book / Page11803 / 756
Record RefreshedJun 08, 2026

March 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address332 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3269
Transaction TypeMortgage
Record UpdatedApr 09, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address332 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3269

Mortgage

Document Number0000070287
DateMar 25, 2026
Book Page13930/1093
Instrument2026070287
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2056

January 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address332 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3269
Transaction TypeMortgage
Record UpdatedJan 30, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address332 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3269

Mortgage

Document Number0000013216
DateJan 18, 2024
Book Page12976/1130
Instrument2024013216
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2054

January 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address332 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3269
Transaction TypeMortgage
Record UpdatedFeb 01, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address332 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3269

Mortgage

Document Number0000014812
DateJan 20, 2023
Book Page12556/845
Instrument2023014812
Lender
NameNEW DAY FINANCIAL LLC
TypeMortgage Company
AddressFULTON, MD 20759
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueJan 01, 2053

July 2021: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionPOLK FL
Recording DateJul 15, 2021
Property Address332 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3269
Document Number0000183009
Book / Page11803 / 756
Map ReferenceMB 106 PG 10
Instrument DateJun 17, 2021
Instrument2021183009
Transaction TypeTransfer
Record UpdatedAug 02, 2021
Title CompanyZILLOW CLOSING SERVICES LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,334.50
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address4343 N SCOTTSDALE RD STE 390, 4343, SCOTTSDALE, AZ 85251-3347

Transferred To (Grantee/Buyer)

NameVerified Name
Address332 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3269

Mortgage

Document Number0011803759
DateJul 15, 2021
Instrument11803/759
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueJul 01, 2051

February 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateFeb 22, 2021
Property Address332 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3269
Document Number0000044179
Book / Page11589 / 545
Map ReferenceMB 1106 PG 10
Instrument DateFeb 18, 2021
Instrument2021044179
Transaction TypeTransfer
Record UpdatedDec 23, 2021
Title CompanyZILLOW CLOSING SERVICES LLC

Transaction

AmountAmount Recorded
Tax$2,305.10
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address332 RUBY LAKE LOOP, 332, WINTER HAVEN, FL 33884-3269

Transferred To (Grantee/Buyer)

NameVerified Name
Address4343 N SCOTTSDALE RD STE 390, 390, SCOTTSDALE, AZ 85251-3347
InvestorPossibly a Property Investor

March 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address332 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3269
Document Number0107692259
Instrument DateMar 01, 2019
Transaction TypeMortgage
Record UpdatedMar 21, 2019
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address332 RUBY LAKE LOOP WINTER HAVEN FL 338843269, WINTER HAVEN, FL 33884-3269

Mortgage

Document Number0107692259
DateMar 06, 2019
Book Page010769/002259
Instrument45160
Lender
NameMIDFLORIDA CU ISAOA
TypeCredit Union
AddressLAKELAND, FL 33802-8008
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueMar 05, 2034

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated August 25, 2025 · Last verified April 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 Disabled Person's exemption Veteran's exemption$304,655 (+5.99%)$324,606 (+1.63%) Land $76,000 Building $248,606
2023Homeowner's exemption$287,446$319,415 Land $74,000 Building $245,415

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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