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406 Ruby Lake Pl, Winter Haven, FL 33884 Property Records

Polk County property record for 406 Ruby Lake Pl, Winter Haven, FL 33884 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms5 Beds
Bathrooms4 Baths
Year BuiltBuilt 2010
Square Footage2,835 sqft Living Area
Lot Size12,323 sqft (0.283 acres)
OccupancyOwner Occupied
Last Sale$627,000 (2026)
Tax Bill$7,328.00 (2025)

Property Details

APN / Parcel Number

Primary APN27-29-07-856604-001270
Alternative APNs
  • 072927856604001270
  • 72927000

Interior

Bedrooms5 Beds
Full Baths4 Baths
Building Area2,835 sqft Living Area
Gross Area3,319 sqft Gross Area
1st Floor2,395 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 1999
Effective Year BuiltEffective 2010
Exterior MaterialStucco Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionHip Roof Construction
Roof MaterialOther (not Classified) Roof
Lot Area12,323 sqft (0.283 acres)
Garage TypeAttached Garage
Garage Area484 sqft Garage
Pool Area312 sqft Pool
Porch Area238 sqft Porch

Location & Zoning

Street Address406 RUBY LAKE PL
CityWINTER HAVEN
StateFL
Zip33884-3272
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionRUBY LAKE PHASE FOUR PB 108 PGS 21 THRU 23 LOT 127
Legal Range27E
Legal Township29S
Legal Section07
Legal SubdivisionRUBY LAKE PHASE FOUR
Legal Phase4
Legal Tract856604
Legal Block1
Legal Lot Number127
JurisdictionPOLK FL
Minor Civil DivisionLAKE WALES
Census Blockgroup1
Census Block1037
Census Tract14401

Owner

Source: Polk County records · APN 27-29-07-856604-001270

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 Record2 Individual Names on File
Mailing Address406 RUBY LAKE PL, WINTER HAVEN, FL 33884-3272
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
May 04, 2026Warranty Deed, Transfer · Conventional Mortgage
GOLD STAR MORTGAGE FINANCIAL GROUP CORP
Jun 07, 2022Warranty Deed, Transfer · Veterans Administration Mortgage
UNITED WHOLESALE MORTGAGE
Dec 28, 2021Warranty Deed, Transfer
OS NATIONAL LLC
Jul 27, 2020Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MTG
Aug 09, 2018Warranty Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 04, 2026 · Amount on Record
Deed SaleMay 04, 2026 · Amount on Record
Prior SaleJun 07, 2022 · Amount on Record
Deed Doc Number2026105918
Deed Book / Page13982 / 2187
Record RefreshedSep 20, 2026

May 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateMay 04, 2026
Property Address406 RUBY LAKE PL, WINTER HAVEN, FL 33884-3272
Document Number0000105918
Book / Page13982 / 2187
Instrument DateApr 30, 2026
Instrument2026.105918
Transaction TypeTransfer
Record UpdatedMay 21, 2026
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$443,289.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address406 RUBY LAKE PL, WINTER HAVEN, FL 33884-3272

Mortgage

Document Number0000105919,
DateMay 04, 2026
Instrument2026..105919
Lender
NameGOLD STAR MORTGAGE FINANCIAL GROUP CORP
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMay 01, 2056
Interest
Rate TypeFixed Rate
Rate6.22%
Initial TypeFixed Rate
Max Rate-1%

June 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateJun 07, 2022
Property Address406 RUBY LAKE PL, WINTER HAVEN, FL 33884-3272
Document Number0000155274
Book / Page12286 / 1907
Map ReferenceMB 108 PG 21-23
Instrument DateJun 02, 2022
Instrument2022155274
Transaction TypeTransfer
Record UpdatedJun 21, 2022
Title CompanyOS NATIONAL LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$3,654.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address410 N SCOTTSDALE RD # RD1600, 410, TEMPE, AZ 85281-7094

Transferred To (Grantee/Buyer)

NameVerified Name
Address406 RUBY LAKE PL, WINTER HAVEN, FL 33884-3272

Mortgage

Document Number0122861909
DateJun 07, 2022
Instrument12286/1909
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2052

December 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateDec 28, 2021
Property Address406 RUBY LAKE PL, WINTER HAVEN, FL 33884-3272
Document Number0000336505
Book / Page12045 / 658
Map ReferenceMB 108 PG 21-23
Instrument DateDec 20, 2021
Instrument2021336505
Transaction TypeTransfer
Record UpdatedJan 13, 2022
Title CompanyOS NATIONAL LLC

Transaction

AmountAmount Recorded
Tax$3,171.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address2958 OAK TREE LN, 2958, LAKELAND, FL 33810-2655

Transferred To (Grantee/Buyer)

NameVerified Name
Address410 N SCOFLSDIE RD #1600 # 1600, 1600, TEMPE, AZ 85281
InvestorPossibly a Property Investor

July 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address406 RUBY LAKE PL, WINTER HAVEN, FL 33884-3272
Document Number0113261907
Instrument DateJul 27, 2020
Transaction TypeMortgage
Record UpdatedAug 27, 2020
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address406 RUBY LAKE PL WINTER HAVEN FL 338843272, WINTER HAVEN, FL 33884-3272

Mortgage

Document Number0113261907
DateAug 07, 2020
Book Page011326/001907
Instrument159684
Lender
NameUNITED WHOLESALE MTG
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 06, 2050

August 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateAug 09, 2018
Property Address406 RUBY LAKE PL, WINTER HAVEN, FL 33884-3272
Document Number0105761658
Book / Page010576 / 001658
Instrument DateAug 03, 2018
Instrument170089
Transaction TypeTransfer
Record UpdatedAug 21, 2018
Title CompanyREAL ESTATE TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,156.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address406 RUBY LAKE PL WINTER HAVEN FL 338843272, WINTER HAVEN, FL 33884-3272

Mortgage

Document Number105761659
DateAug 09, 2018
Book Page010576/001659
Instrument170090
Lender
NameUNITED WHOLESALE MTG
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 08, 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$7,328.00 (-3.45%) Homeowner's exemption$435,370 (+3.9%) Land $76,000 Building $359,370$435,370 (+3.9%) Land $76,000 Building $359,370
2024$7,590.00 (+6.83%)
2023$7,105.00 (+5.97%) Homeowner's exemption$419,047 (+18.91%) Land $74,000 Building $345,047$419,047 (+18.91%) Land $74,000 Building $345,047
2022$6,705.00$352,395 Land $62,000 Building $290,395$352,395 Land $62,000 Building $290,395

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 100 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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