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

Polk County property record for 349 Ruby Lake Loop, Winter Haven, FL 33884 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms3 Baths
Year BuiltBuilt 2010
Square Footage2,374 sqft Living Area
Lot Size16,583 sqft (0.381 acres)
GarageAttached, 484 sqft
Last Sale$465,000 (2026)
Tax Bill$6,966.00 (2025)

Property Details

APN / Parcel Number

Primary APN27-29-07-855605-000350
Alternative APNs
  • 072927855605000350
  • 72927000

Interior

Bedrooms4 Beds
Full Baths3 Baths
Building Area2,374 sqft Living Area
Gross Area2,858 sqft Gross Area
1st Floor2,374 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 1998
Effective Year BuiltEffective 2010
Exterior MaterialStucco Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionHip Roof Construction
Roof MaterialOther (not Classified) Roof
Lot Area16,583 sqft (0.381 acres)
Garage TypeAttached Garage
Garage Area484 sqft Garage
Pool Area392 sqft Pool
Porch Area250 sqft Porch

Utilities and HVAC

Cooling SystemCentral Cooling

Location & Zoning

Street Address349 RUBY LAKE LOOP
CityWINTER HAVEN
StateFL
Zip33884-3268
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionRUBY LAKE PHASE TWO PB 106 PG 10 LOT 35
Legal Range27E
Legal Township29S
Legal Section07
Legal SubdivisionRUBY LAKE PHASE TWO
Legal Phase2
Legal Tract855605
Legal Block1
Legal Lot Number35
JurisdictionPOLK FL
Minor Civil DivisionLAKE WALES
Census Blockgroup1
Census Block1035
Census Tract14401

Owner

Source: Polk County records · APN 27-29-07-855605-000350

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 RecordIndividual Name on File
Mailing Address292 RIDGE RD, PLYMOUTH, ME 04969-3151
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingMarried Woman as her Sole and Separate Property

Deeds, Mortgages & Sale History

DateDocument
Apr 07, 2026Warranty Deed, Transfer · Conventional Mortgage
CHAMPIONS FUNDING LLC
Jun 20, 2023Deed of Trust, Mortgage · Line of Credit
HOMEBRIDGE FINANCIAL SERVICES INC
Jan 19, 2022Warranty Deed, Transfer · Conventional Mortgage
CROSSCOUNTRY MORTGAGE LLC
Jun 18, 2020Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
FREEDOM MTG
Aug 01, 2017Warranty Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI)
CENTER ST BK/FL NA

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleApr 07, 2026 · Amount on Record
Deed SaleApr 07, 2026 · Amount on Record
Prior SaleJan 19, 2022 · Amount on Record
Deed Doc Number202680288
Deed Book / Page13945 / 1693
Record RefreshedSep 20, 2026

April 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateApr 07, 2026
Property Address349 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268
Document Number0000080288
Book / Page13945 / 1693
Instrument DateApr 01, 2026
Instrument202680288
Transaction TypeTransfer
Record UpdatedApr 21, 2026
Title CompanyEASY TITLE COMPANY LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$328,755.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address292 RIDGE RD, PLYMOUTH, ME 04969-3151

Mortgage

Document Number0000080289,
DateApr 07, 2026
Instrument202680289
Lender
NameCHAMPIONS FUNDING LLC
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMay 01, 2056
Interest
Rate TypeFixed Rate
Rate6.01%
Initial TypeFixed Rate
Max Rate-1%

June 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address349 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268
Transaction TypeMortgage
Record UpdatedJul 03, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address349 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268
InvestorPossibly a Property Investor

Mortgage

Document Number0000144499
DateJun 20, 2023
Book Page12735/1086
Instrument2023144499
Lender
NameHOMEBRIDGE FINANCIAL SERVICES INC
TypeMortgage Company
AddressISELIN, NJ 08830
Agreement
TypeLine of Credit
AmountAmount Recorded
Term121 Months
DueJul 11, 2033
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

January 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateJan 19, 2022
Property Address349 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268
Document Number0000016083
Book / Page12079 / 248
Map ReferenceMB 106 PG 10
Instrument DateJan 14, 2022
Instrument2022016083
Transaction TypeTransfer
Record UpdatedFeb 03, 2022
Title CompanyINNOVATIVE TITLE AGENCY, INNOVATIVE TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,150.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address306 JUDY LANE, 306, AUBURNDALE, FL 33823

Transferred To (Grantee/Buyer)

NameVerified Name
Address1220 WALKER CIR S, LAKELAND, FL 33805-7551

Mortgage

Document Number0012079250
DateJan 19, 2022
Instrument12079/250
Lender
NameCROSSCOUNTRY MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2052

June 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateJun 18, 2020
Property Address349 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268
Document Number0112700379
Book / Page011270 / 000379
Instrument DateJun 15, 2020
Instrument121612
Transaction TypeTransfer
Record UpdatedJul 10, 2020
Title CompanyREAL ESTATE TITLE, REAL ESTATE TITLE SVCS CORP

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,275.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address349 RUBY LAKE LOOP WINTER HAVEN FL 338843268, WINTER HAVEN, FL 33884-3268

Mortgage

Document Number112700380
DateJun 18, 2020
Book Page011270/000380
Instrument121613
Lender
NameFREEDOM MTG
TypeMortgage Company
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueJun 17, 2050

August 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateAug 01, 2017
Property Address349 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268
Document Number0102201258
Book / Page010220 / 001258
Instrument DateJul 31, 2017
Instrument146259
Transaction TypeTransfer
Record UpdatedAug 16, 2017
Title CompanyREAL ESTATE TITLE SERVICES LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,960.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address349 RUBY LAKE LOOP WINTER HAVEN FL 338843268, WINTER HAVEN, FL 33884-3268

Mortgage

Document Number102201259
DateAug 01, 2017
Book Page010220/001259
Instrument146260
Lender
NameCENTER ST BK/FL NA
TypeBank
AddressWINTER HAVEN, FL 33881
Agreement
TypeConventional Mortgage with Private Mortgage Insurance (PMI)
AmountAmount Recorded
Term360 Months
DueJul 31, 2047

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$6,966.00 (-1.64%)$372,604 (+1.37%) Land $76,000 Building $296,604$372,604 (+1.37%) Land $76,000 Building $296,604
2024$7,082.00 (+2.02%)
2023$6,942.00 (+23.68%)$367,563 (+14.21%) Land $74,000 Building $293,563$367,563 (+14.21%) Land $74,000 Building $293,563
2022$5,613.00$321,828 Land $62,000 Building $259,828$321,828 Land $62,000 Building $259,828

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 A, 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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