Polk County property record for 359 Ruby Lake Loop, Winter Haven, FL 33884 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1998 |
| Square Footage | 1,849 sqft Living Area |
| Lot Size | 10,184 sqft (0.234 acres) |
| Garage | Attached, 420 sqft |
| Last Sale | $385,000 (2024) |
| Tax Bill | $5,827.00 (2025) |
| Primary APN | 27-29-07-856603-000070 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,849 sqft Living Area |
| Gross Area | 2,269 sqft Gross Area |
| 1st Floor | 1,849 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 | 10,184 sqft (0.234 acres) |
| Garage Type | Attached Garage |
| Garage Area | 420 sqft Garage |
| Pool Area | 200 sqft Pool |
| Porch Area | 267 sqft Porch |
| Cooling System | Central Cooling |
|---|
| Street Address | 359 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 ONE PB 105 PGS 19 & 20 LOT 7 |
| Legal Range | 27E |
| Legal Township | 29S |
| Legal Section | 07 |
| Legal Subdivision | RUBY LAKE PHASE ONE |
| Legal Phase | 1 |
| Legal Tract | 856603 |
| Legal Block | 1 |
| Legal Lot Number | 7 |
| Jurisdiction | POLK FL |
| Minor Civil Division | LAKE WALES |
| Census Blockgroup | 1 |
| Census Block | 1035 |
| Census Tract | 14401 |
Source: Polk County records · APN 27-29-07-856603-000070
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 | 9 BRIDGEWATER DR, WINTER HAVEN, FL 33884-3005 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Husband And Wife |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 04, 2024 · Amount on Record |
| Deed Sale | Sep 04, 2024 · Amount on Record |
| Prior Sale | Dec 10, 1999 · Amount on Record |
| Deed Doc Number | 2024203976 |
| Deed Book / Page | 13252 / 678 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 359 RUBY LAKE LOOP, WINTER HAVEN, FL 33884-3268 |
| Transaction Type | Mortgage |
| Record Updated | Oct 07, 2021 |
| Name | Verified Name |
|---|---|
| Address | 359 RUBY LAKE LOOP, CYPRESS GARDENS, FL 33884-3268 |
| Document Number | 0000248726 |
|---|---|
| Date | Sep 23, 2021 |
| Book Page | 11906/130 |
| Instrument | 2021248726 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,827.00 (+136.2%) | $311,664 (+79.66%) Land $76,000 Building $235,664 | $311,664 (+4.29%) Land $76,000 Building $235,664 |
| 2023 | $2,467.00 (+3.18%) Homeowner's exemption | $173,479 (+3%) | $298,842 (+14.69%) Land $74,000 Building $224,842 |
| 2022 | $2,391.00 Homeowner's exemption | $168,426 | $260,562 Land $62,000 Building $198,562 |
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 100 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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