1. Home
  2. Florida
  3. Polk County
  4. Winter Haven
  5. Ruby Lake Pl

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

Polk County property record for 411 Ruby Lake Pl, Winter Haven, FL 33884 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2 Baths
Year BuiltBuilt 2001
Square Footage2,307 sqft Living Area
Lot Size12,497 sqft (0.287 acres)
GarageAttached, 510 sqft
Last Sale$444,000 (2024)
Tax Bill$6,773.00 (2025)

Property Details

APN / Parcel Number

Primary APN27-29-07-856604-001300
Alternative APNs
  • 072927856604001300
  • 72927000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area2,307 sqft Living Area
Gross Area2,817 sqft Gross Area
1st Floor2,307 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2001
Effective Year BuiltEffective 2001
Exterior MaterialStucco Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionHip Roof Construction
Roof MaterialOther (not Classified) Roof
Lot Area12,497 sqft (0.287 acres)
Garage TypeAttached Garage
Garage Area510 sqft Garage
Pool Area392 sqft Pool
Porch Area442 sqft Porch

Location & Zoning

Street Address411 RUBY LAKE PL
CityWINTER HAVEN
StateFL
Zip33884-3273
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionRUBY LAKE PHASE FOUR PB 108 PGS 21 THRU 23 LOT 130
Legal Range27E
Legal Township29S
Legal Section07
Legal SubdivisionRUBY LAKE PHASE FOUR
Legal Phase4
Legal Tract856604
Legal Block1
Legal Lot Number130
JurisdictionPOLK FL
Minor Civil DivisionLAKE WALES
Census Blockgroup1
Census Block1037
Census Tract14401

Owner

Source: Polk County records · APN 27-29-07-856604-001300

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 Address732 HILTON DR, LANCASTER, PA 17603-5726
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Feb 13, 2026Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
KIND LENDING LLC
Mar 05, 2024Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
PLAINS COMMERCE BANK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMar 05, 2024 · Amount on Record
Deed SaleMar 05, 2024 · Amount on Record
Prior SaleApr 11, 2001 · Amount on Record
Deed Doc Number202451185
Deed Book / Page13028 / 1213
Record RefreshedSep 20, 2026

February 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address411 RUBY LAKE PL, WINTER HAVEN, FL 33884-3273
Transaction TypeMortgage
Record UpdatedMar 04, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address411 RUBY LAKE PL, WINTER HAVEN, FL 33884-3273

Mortgage

Document Number0000036836
DateFeb 13, 2026
Book Page13881/1883
Instrument2026036836
Lender
NameKIND LENDING LLC
TypeMortgage Company
AddressIRVINE, CA 92614
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2056

March 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateMar 05, 2024
Property Address411 RUBY LAKE PL, WINTER HAVEN, FL 33884-3273
Document Number0000051185
Book / Page13028 / 1213
Map ReferenceMB 108 PG 21-23
Instrument DateFeb 28, 2024
Instrument2024051185
Transaction TypeTransfer
Record UpdatedMar 15, 2024
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,108.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address183 LEMOYN AVE, ROCHESTER, NY 14612-4946

Transferred To (Grantee/Buyer)

NameVerified Name
Address732 HILTON DR, LANCASTER, PA 17603-5726

Mortgage

Document Number0000051186
DateMar 05, 2024
Book Page13028/1215
Instrument2024051186
Lender
NamePLAINS COMMERCE BANK
TypeBank
AddressSIOUX FALLS, SD 57106
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueMar 01, 2054

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, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$6,773.00 (+118.48%)$362,282 (+75.02%) Land $76,000 Building $286,282$362,282 (+2.36%) Land $76,000 Building $286,282
2023$3,100.00 (+2.99%) Homeowner's exemption$206,989 (+3%)$353,937 (+14.14%) Land $74,000 Building $279,937
2022$3,010.00 Homeowner's exemption$200,960$310,090 Land $62,000 Building $248,090

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.

Nearby Properties on Ruby Lake Pl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures