Polk County property record for 345 Ruby Lake Loop, Winter Haven, FL 33884 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1998 |
| Square Footage | 2,374 sqft Living Area |
| Lot Size | 10,629 sqft (0.244 acres) |
| Garage | Attached, 572 sqft |
| Last Sale | $450,000 (2023) |
| Tax Bill | $1,716.00 (2025) |
| Primary APN | 27-29-07-855605-000370 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,374 sqft Living Area |
| Gross Area | 2,946 sqft Gross Area |
| 1st Floor | 2,374 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 | 10,629 sqft (0.244 acres) |
| Depth X Width | 125 ft x 85 ft Depth x Width |
| Garage Type | Attached Garage |
| Garage Area | 572 sqft Garage |
| Pool Area | 392 sqft Pool |
| Porch Area | 250 sqft Porch |
| Cooling System | Central Cooling |
|---|
| Street Address | 345 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 TWO PB 106 PG 10 LOT 37 |
| 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 | 37 |
| Jurisdiction | POLK FL |
| Minor Civil Division | LAKE WALES |
| Census Blockgroup | 1 |
| Census Block | 1035 |
| Census Tract | 14401 |
Source: Polk County records · APN 27-29-07-855605-000370
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 | 109 HEATHWOOD RD, EASLEY, SC 29640-8990 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 16, 2023 | Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC |
| Apr 28, 2021 | Warranty Deed, Transfer ALL REAL ESTATE TITLE SERVICES INC, REAL ESTATE TITLE SVCS INC |
| Apr 26, 2019 | Warranty Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI) MORTGAGE FIRM |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 16, 2023 · Amount on Record |
| Deed Sale | Mar 16, 2023 · Amount on Record |
| Prior Sale | Apr 28, 2021 · Amount on Record |
| Deed Doc Number | 202361960 |
| Deed Book / Page | 12618 / 1482 |
| Transfer Doc | 4624002008 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Mar 16, 2023 |
| Property Address | 345 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268 |
| Document Number | 0000061960 |
| Book / Page | 12618 / 1482 |
| Map Reference | MB 106 PG 10 |
| Instrument Date | Mar 10, 2023 |
| Instrument | 2023061960 |
| Transaction Type | Transfer |
| Record Updated | Mar 28, 2023 |
| Title Company | SMART TITLE II LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,150.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2001 SALINAS AVE, LADY LAKE, FL 32159-9222 |
| Name | Verified Name |
|---|---|
| Address | 345 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268 |
| Document Number | 0126181484 |
|---|---|
| Date | Mar 16, 2023 |
| Instrument | 12618/1484 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 04, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 28, 2021 |
| Property Address | 345 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268 |
| Document Number | 0000109223 |
| Book / Page | 11690 / 890 |
| Map Reference | MB 106 PG 10 |
| Instrument Date | Apr 23, 2021 |
| Instrument | 2021109223 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Title Company | ALL REAL ESTATE TITLE SERVICES INC, REAL ESTATE TITLE SVCS INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,415.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 117 LONGWOOD DR, 117, NEWPORT NEWS, VA 23606-3603 |
| Name | Verified Name |
|---|---|
| Address | 345 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 26, 2019 |
| Property Address | 345 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268 |
| Document Number | 0108220986 |
| Book / Page | 010822 / 000986 |
| Instrument Date | Apr 19, 2019 |
| Instrument | 85479 |
| Transaction Type | Transfer |
| Record Updated | May 09, 2019 |
| Title Company | UNITED TITLE GROUP/LAKELAND LLC, UNITED TITLE GRP/LAKELAND LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,030.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 117 LONGWOOD DR NEWPORT NEWS VA 236063603, NEWPORT NEWS, VA 23606-3603 |
| Document Number | 108220988 |
|---|---|
| Date | Apr 26, 2019 |
| Book Page | 010822/000988 |
| Instrument | 85480 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 25, 2049 |
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 | $1,716.00 (-73.97%) Homeowner's exemption | $354,510 (+1.56%) Land $76,000 Building $278,510 | $354,510 (+1.56%) Land $76,000 Building $278,510 |
| 2023 | $6,592.00 (+38.78%) | $349,061 (+19.37%) Land $74,000 Building $275,061 | $349,061 (+14.43%) Land $74,000 Building $275,061 |
| 2022 | $4,750.00 Homeowner's exemption | $292,412 | $305,044 Land $62,000 Building $243,044 |
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 A, 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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