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

Polk County property record for 351 Ruby Lake Loop, Winter Haven, FL 33884 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 1998
Square Footage1,802 sqft Living Area
Lot Size11,400 sqft (0.262 acres)
OccupancyOwner Occupied
Last Sale$189,900 (2017)
Tax Bill$2,733.00 (2025)

Property Details

APN / Parcel Number

Primary APN27-29-07-855605-000340
Alternative APNs
  • 072927855605000340
  • 72927000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,802 sqft Living Area
1st Floor1,802 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 Area11,400 sqft (0.262 acres)
Porch Area774 sqft Porch

Utilities and HVAC

Cooling SystemCentral Cooling

Location & Zoning

Street Address351 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 34
Legal Range27E
Legal Township29S
Legal Section07
Legal SubdivisionRUBY LAKE PHASE TWO
Legal Phase2
Legal Tract855605
Legal Block1
Legal Lot Number34
JurisdictionPOLK FL
Minor Civil DivisionLAKE WALES
Census Blockgroup1
Census Block1035
Census Tract14401

Owner

Source: Polk County records · APN 27-29-07-855605-000340

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 Address351 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Apr 01, 2024Deed of Trust, Mortgage · Line of Credit
MIDFLORIDA CU
Nov 17, 2017Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
PARAMOUNT RESID'L MTG
Mar 27, 2017Deed of Trust, Mortgage · Line of Credit
BRANCH BK&TR

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleNov 17, 2017 · Amount on Record
Deed SaleNov 17, 2017 · Amount on Record
Prior SaleMar 05, 2003 · Amount on Record
Deed Doc Number2017221754
Deed Book / Page10318 / 507
Record RefreshedSep 20, 2026

April 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address351 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268
Transaction TypeMortgage
Record UpdatedApr 15, 2024

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000072653
DateApr 01, 2024
Book Page13058/1547
Instrument2024072653
Lender
NameMIDFLORIDA CU
TypeCredit Union
AddressLAKELAND, FL 33802
Agreement
TypeLine of Credit
AmountAmount Recorded
Term239 Months
DueMar 25, 2044
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

November 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateNov 17, 2017
Property Address351 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268
Document Number0103180507
Book / Page010318 / 000507
Instrument DateOct 31, 2017
Instrument221754
Transaction TypeTransfer
Record UpdatedJan 03, 2018
Title CompanyINTEGRITY FIRST TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,329.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address351 RUBY LAKE LOOP WINTER HAVEN FL 338843268, WINTER HAVEN, FL 33884-3268

Mortgage

Document Number103180508
DateNov 17, 2017
Book Page010318/000508
Instrument221755
Lender
NamePARAMOUNT RESID'L MTG
TypeMortgage Company
AddressCORONA, CA 92879
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueNov 16, 2047

March 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address351 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268
Document Number0101241215
Book / Page010124 / 001215
Instrument DateMar 27, 2017
Transaction TypeMortgage
Record UpdatedJul 13, 2017

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address351 RUBY LAKE LOOP WINTER HAVEN FL 338843268, WINTER HAVEN, FL 33884-3268

Mortgage

Document Number0101241215
DateApr 21, 2017
Book Page010124/001215
Instrument75409
Lender
NameBRANCH BK&TR
TypeBank
AddressWHITEVILLE, NC 28472
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueApr 20, 2047
Interest
Rate TypeAdjustable Rate

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$2,733.00 (+6.38%) Homeowner's exemption$189,620 (+5.99%)$276,489 (+1.23%) Land $76,000 Building $200,489
2023$2,569.00 (+3.13%) Homeowner's exemption$178,909 (+3%)$273,135 (+15.14%) Land $74,000 Building $199,135
2022$2,491.00 Homeowner's exemption$173,698$237,211 Land $62,000 Building $175,211

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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