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

Polk County property record for 355 Ruby Lake Loop, Winter Haven, FL 33884 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2 Baths
Year BuiltBuilt 2010
Square Footage2,648 sqft Living Area
Lot Size10,202 sqft (0.234 acres)
OccupancyOwner Occupied
Last Sale$299,900 (2018)
Tax Bill$4,847.00 (2025)

Property Details

APN / Parcel Number

Primary APN27-29-07-855605-000320
Alternative APNs
  • 072927855605000320
  • 72927000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area2,648 sqft Living Area
Gross Area3,132 sqft Gross Area
1st Floor2,648 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 Area10,202 sqft (0.234 acres)
Depth X Width120 ft x 85 ft Depth x Width
Garage TypeAttached Garage
Garage Area484 sqft Garage
Pool Area392 sqft Pool
Porch Area253 sqft Porch

Utilities and HVAC

Cooling SystemCentral Cooling

Location & Zoning

Street Address355 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 32
Legal Range27E
Legal Township29S
Legal Section07
Legal SubdivisionRUBY LAKE PHASE TWO
Legal Phase2
Legal Tract855605
Legal Block1
Legal Lot Number32
JurisdictionPOLK FL
Minor Civil DivisionLAKE WALES
Census Blockgroup1
Census Block1035
Census Tract14401

Owner

Source: Polk County records · APN 27-29-07-855605-000320

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 Address355 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Aug 04, 2021Deed of Trust, Mortgage · Veterans Administration Mortgage
WELLS FARGO BANK NA
Mar 06, 2018Warranty Deed, Transfer · Veterans Administration Mortgage
WELLS FARGO BK/TX

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMar 06, 2018 · Amount on Record
Deed SaleMar 06, 2018 · Amount on Record
Prior SaleOct 07, 2014 · Amount on Record
Deed Doc Number201849119
Deed Book / Page10415 / 9
Prior Transfer DateJun 12, 2007
Prior Transfer Doc0000123996
Record RefreshedSep 20, 2026

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address355 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268
Transaction TypeMortgage
Record UpdatedAug 18, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address355 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268

Mortgage

Document Number0000202910
DateAug 04, 2021
Book Page11833/1842
Instrument2021202910
Lender
NameWELLS FARGO BANK NA
TypeBank
AddressSIOUX FALLS, SD 57104
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2051

March 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateMar 06, 2018
Property Address355 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268
Document Number0104150009
Book / Page010415 / 000009
Instrument DateMar 02, 2018
Instrument49119
Transaction TypeTransfer
Record UpdatedMay 02, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,099.30
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address101 KELSOR DR VA, VA

Mortgage

Document Number104150011
DateMar 06, 2018
Book Page010415/000011
Instrument49120
Lender
NameWELLS FARGO BK/TX
TypeBank
AddressSIOUX FALLS, SD 57104
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueMar 05, 2048

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$4,847.00 (+3.17%) Homeowner's exemption Veteran's exemption$307,700 (+5.99%)$395,019 (+1.14%) Land $76,000 Building $319,019
2024$4,698.00 (+2.6%)
2023$4,579.00 (+2.81%) Homeowner's exemption$290,318 (+3%)$390,563 (+13.74%) Land $74,000 Building $316,563
2022$4,454.00 Homeowner's exemption$281,862$343,397 Land $62,000 Building $281,397

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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