Polk County property record for 353 Ruby Lake Loop, Winter Haven, FL 33884 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1998 |
| Square Footage | 1,959 sqft Living Area |
| Lot Size | 10,202 sqft (0.234 acres) |
| Garage | Attached, 484 sqft |
| Last Sale | $300,000 (2025) |
| Tax Bill | $2,793.00 (2025) |
| Primary APN | 27-29-07-855605-000330 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,959 sqft Living Area |
| Gross Area | 2,443 sqft Gross Area |
| 1st Floor | 1,959 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 | 10,202 sqft (0.234 acres) |
| Depth X Width | 120 ft x 85 ft Depth x Width |
| Garage Type | Attached Garage |
| Garage Area | 484 sqft Garage |
| Porch Area | 290 sqft Porch |
| Cooling System | Central Cooling |
|---|
| Street Address | 353 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 33 |
| 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 | 33 |
| Jurisdiction | POLK FL |
| Minor Civil Division | LAKE WALES |
| Census Blockgroup | 1 |
| Census Block | 1035 |
| Census Tract | 14401 |
Source: Polk County records · APN 27-29-07-855605-000330
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 | Individual Name on File |
|---|---|
| Mailing Address | 714 COUNTRY WALK CV, EAGLE LAKE, FL 33839-3273 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Nov 18, 2021 | Deed of Trust, Mortgage · Line of Credit LOWER LLC |
| Nov 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 07, 2025 · Amount on Record |
| Deed Sale | May 07, 2025 · Amount on Record |
| Prior Sale | Aug 19, 2016 · Amount on Record |
| Deed Doc Number | 2025106339 |
| Deed Book / Page | 13537 / 1248 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 353 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268 |
| Transaction Type | Mortgage |
| Record Updated | Dec 07, 2021 |
| Name | Verified Name |
|---|---|
| Address | 353 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268 |
| Document Number | 0000302735 |
|---|---|
| Date | Nov 18, 2021 |
| Book Page | 11990/1236 |
| Instrument | 2021302735 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MD 21046 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Dec 25, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 353 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268 |
| Transaction Type | Mortgage |
| Record Updated | Dec 07, 2021 |
| Name | Verified Name |
|---|---|
| Address | 353 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268 |
| Document Number | 0000302734 |
|---|---|
| Date | Nov 18, 2021 |
| Book Page | 11990/1223 |
| Instrument | 2021302734 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MD 21046 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2051 |
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 | $2,793.00 (+6.32%) | $192,828 (+5.99%) | $299,898 (+1.3%) Land $76,000 Building $223,898 |
| 2023 | $2,627.00 (+3.14%) Homeowner's exemption | $181,936 (+3%) | $296,057 (+15.86%) Land $74,000 Building $222,057 |
| 2022 | $2,547.00 Homeowner's exemption | $176,637 | $255,523 Land $62,000 Building $193,523 |
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures