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

Polk County property record for 344 Ruby Lake Loop, Winter Haven, FL 33884 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1998
Square Footage	2,215 sqft Living Area
Lot Size	10,411 sqft (0.239 acres)
Occupancy	Owner Occupied
Last Sale	$405,000 (2024)
Tax Bill	$4,941.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`27-29-07-855605-000530`
Alternative APNs	`072927855605000530` `72927000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,215 sqft Living Area
Gross Area	2,614 sqft Gross Area
1st Floor	2,215 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

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	10,411 sqft (0.239 acres)
Depth X Width	125 ft x 83 ft Depth x Width
Garage Type	Attached Garage
Garage Area	399 sqft Garage
Porch Area	217 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling

Location & Zoning

Street Address	344 RUBY LAKE LOOP
City	WINTER HAVEN
State	FL
Zip	33884-3269
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	RUBY LAKE PHASE TWO PB 106 PG 10 LOT 53
Legal Range	27E
Legal Township	29S
Legal Section	07
Legal Subdivision	RUBY LAKE PHASE TWO
Legal Phase	2
Legal Tract	855605
Legal Block	1
Legal Lot Number	53
Jurisdiction	POLK FL
Minor Civil Division	LAKE WALES
Census Blockgroup	1
Census Block	1039
Census Tract	14401

Owner

Source: Polk County records · APN 27-29-07-855605-000530

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	344 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3269
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Husband And Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 16, 2024 · Amount on Record
Deed Sale	Dec 16, 2024 · Amount on Record
Prior Sale	Jul 18, 2024 · Amount on Record
Deed Doc Number	2024283368
Deed Book / Page	13367 / 2186
Record Refreshed	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	344 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3269
Transaction Type	Mortgage
Record Updated	Oct 28, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	344 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3269

Mortgage

Document Number	0000241297
Date	Oct 14, 2025
Book Page	13736/1160
Instrument	2025241297

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Dec 01, 2054

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,941.00 (+105.96%) Homeowner's exemption	$307,719 (+81.15%)	$322,658 (+1.24%) Land $76,000 Building $246,658
2023	$2,399.00 (+3.23%) Homeowner's exemption	$169,873 (+3%)	$318,716 (+15.56%) Land $74,000 Building $244,716
2022	$2,324.00 Homeowner's exemption	$164,925	$275,797 Land $62,000 Building $213,797

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 Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft

Wildfire

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.