Polk County property record for 402 Ruby Lake Pl, Winter Haven, FL 33884 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2010 |
| Square Footage | 2,150 sqft Living Area |
| Lot Size | 12,323 sqft (0.283 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $296,000 (2019) |
| Tax Bill | $4,422.00 (2025) |
| Primary APN | 27-29-07-856604-001250 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,150 sqft Living Area |
| Gross Area | 2,833 sqft Gross Area |
| 1st Floor | 2,150 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 2010 |
| 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 | 12,323 sqft (0.283 acres) |
| Garage Type | Attached Garage |
| Garage Area | 484 sqft Garage |
| Pool Area | 312 sqft Pool |
| Porch Area | 241 sqft Porch |
| Street Address | 402 RUBY LAKE PL |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-3272 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | RUBY LAKE PHASE FOUR PB 108 PGS 21 THRU 23 LOT 125 |
| Legal Range | 27E |
| Legal Township | 29S |
| Legal Section | 07 |
| Legal Subdivision | RUBY LAKE PHASE FOUR |
| Legal Phase | 4 |
| Legal Tract | 856604 |
| Legal Block | 1 |
| Legal Lot Number | 125 |
| Jurisdiction | POLK FL |
| Minor Civil Division | LAKE WALES |
| Census Blockgroup | 1 |
| Census Block | 1037 |
| Census Tract | 14401 |
Source: Polk County records · APN 27-29-07-856604-001250
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 | 402 RUBY LAKE PL, WINTER HAVEN, FL 33884-3272 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 05, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Aug 30, 2019 | Warranty Deed, Transfer REAL ESTATE TITLE SERVICES LLC, REAL ESTATE TITLE SVCS LLC |
| Aug 14, 2018 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE FIRM |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 30, 2019 · Amount on Record |
| Deed Sale | Aug 30, 2019 · Amount on Record |
| Prior Sale | Aug 14, 2018 · Amount on Record |
| Deed Doc Number | 2019184038 |
| Deed Book / Page | 10957 / 2274 |
| Prior Transfer Date | Sep 09, 2016 |
| Prior Transfer Doc | 0000173330 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 402 RUBY LAKE PL, WINTER HAVEN, FL 33884-3272 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000083635 |
|---|---|
| Date | Apr 05, 2021 |
| Book Page | 11649/1932 |
| Instrument | 2021083635 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 30, 2019 |
| Property Address | 402 RUBY LAKE PL, WINTER HAVEN, FL 33884-3272 |
| Document Number | 0109572274 |
| Book / Page | 010957 / 002274 |
| Instrument Date | Aug 28, 2019 |
| Instrument | 184038 |
| Transaction Type | Transfer |
| Record Updated | Sep 17, 2019 |
| Title Company | REAL ESTATE TITLE SERVICES LLC, REAL ESTATE TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,072.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 402 RUBY LAKE PL WINTER HAVEN FL 338843272, WINTER HAVEN, FL 33884-3272 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Aug 14, 2018 |
| Property Address | 402 RUBY LAKE PL, WINTER HAVEN, FL 33884-3272 |
| Document Number | 0105810274 |
| Book / Page | 010581 / 000274 |
| Instrument Date | Aug 10, 2018 |
| Instrument | 173107 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2018 |
| Title Company | REAL ESTATE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,075.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 402 RUBY LAKE PL WINTER HAVEN FL 338843272, WINTER HAVEN, FL 33884-3272 |
| Document Number | 105810275 |
|---|---|
| Date | Aug 14, 2018 |
| Book Page | 010581/000275 |
| Instrument | 173108 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 13, 2048 |
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 | $4,422.00 (+5.81%) Homeowner's exemption | $279,946 (+5.99%) | $357,518 (+1.55%) Land $76,000 Building $281,518 |
| 2023 | $4,179.00 (+2.8%) Homeowner's exemption | $264,132 (+3%) | $352,073 (+14.51%) Land $74,000 Building $278,073 |
| 2022 | $4,065.00 Homeowner's exemption | $256,439 | $307,458 Land $62,000 Building $245,458 |
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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