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

Polk County property record for 342 Ruby Lake Loop, Winter Haven, FL 33884 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms3 Baths
Year BuiltBuilt 1998
Square Footage2,482 sqft Living Area
Lot Size10,411 sqft (0.239 acres)
OccupancyOwner Occupied
Last Sale$289,000 (2019)
Tax Bill$4,266.00 (2025)

Property Details

APN / Parcel Number

Primary APN27-29-07-855605-000520
Alternative APNs
  • 072927855605000520
  • 72927000

Interior

Bedrooms4 Beds
Full Baths3 Baths
Building Area2,482 sqft Living Area
Gross Area2,966 sqft Gross Area
1st Floor2,482 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 Area10,411 sqft (0.239 acres)
Depth X Width125 ft x 83 ft Depth x Width
Garage TypeAttached Garage
Garage Area484 sqft Garage
Pool Area392 sqft Pool
Porch Area250 sqft Porch

Utilities and HVAC

Cooling SystemCentral Cooling

Location & Zoning

Street Address342 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 52
Legal Range27E
Legal Township29S
Legal Section07
Legal SubdivisionRUBY LAKE PHASE TWO
Legal Phase2
Legal Tract855605
Legal Block1
Legal Lot Number52
JurisdictionPOLK FL
Minor Civil DivisionLAKE WALES
Census Blockgroup1
Census Block1039
Census Tract14401

Owner

Source: Polk County records · APN 27-29-07-855605-000520

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 Record2 Individual Names on File
Mailing Address342 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3269
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Sep 08, 2020Deed of Trust, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI)
FREEDOM MTG
Dec 23, 2019Warranty Deed, Transfer · Veterans Administration Mortgage
PRIMARY RESID'L MTG

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 23, 2019 · Amount on Record
Deed SaleDec 23, 2019 · Amount on Record
Prior SaleAug 24, 1998 · Amount on Record
Deed Doc Number2019271371
Deed Book / Page11083 / 1243
Prior Transfer DateMay 16, 2014
Prior Transfer Doc0000088576
Record RefreshedSep 20, 2026

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address342 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3269
Document Number0113801368
Instrument DateSep 08, 2020
Transaction TypeMortgage
Record UpdatedOct 07, 2020
Title CompanyINSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address342 RUBY LAKE LOOP WINTER HAVEN FL 338843269, WINTER HAVEN, FL 33884-3269

Mortgage

Document Number0113801368
DateSep 18, 2020
Book Page011380/001368
Instrument195234
Lender
NameFREEDOM MTG
TypeMortgage Company
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeConventional Mortgage with Private Mortgage Insurance (PMI)
AmountAmount Recorded
Term360 Months
DueSep 17, 2050

December 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateDec 23, 2019
Property Address342 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3269
Document Number0110831243
Book / Page011083 / 001243
Instrument DateDec 20, 2019
Instrument271371
Transaction TypeTransfer
Record UpdatedJan 14, 2020
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,023.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address342 RUBY LAKE LOOP WINTER HAVEN FL 338843269, WINTER HAVEN, FL 33884-3269

Mortgage

Document Number110831245
DateDec 23, 2019
Book Page011083/001245
Instrument271372
Lender
NamePRIMARY RESID'L MTG
TypeMortgage Company
AddressSALT LAKE CITY, UT 84116
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueDec 22, 2049

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 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
2025$4,266.00 (+5.83%) Homeowner's exemption$271,611 (+5.99%)$364,522 (+3.07%) Land $76,000 Building $288,522
2023$4,031.00 (+2.83%) Homeowner's exemption$256,268 (+3%)$353,665 (+13.97%) Land $74,000 Building $279,665
2022$3,920.00 Homeowner's exemption$248,804$310,302 Land $62,000 Building $248,302

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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