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

Polk County property record for 413 Ruby Lake Pl, Winter Haven, FL 33884 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2 Baths
Year BuiltBuilt 2011
Square Footage2,172 sqft Living Area
Lot Size19,210 sqft (0.441 acres)
OccupancyOwner Occupied
Last Sale$455,000 (2025)
Tax Bill$6,191.00 (2025)

Property Details

APN / Parcel Number

Primary APN27-29-07-856604-001290
Alternative APNs
  • 072927856604001290
  • 72927000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area2,172 sqft Living Area
Gross Area2,676 sqft Gross Area
1st Floor2,172 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 2001
Effective Year BuiltEffective 2011
Exterior MaterialStucco Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionHip Roof Construction
Roof MaterialOther (not Classified) Roof
Lot Area19,210 sqft (0.441 acres)
Garage TypeAttached Garage
Garage Area504 sqft Garage
Pool Area336 sqft Pool
Porch Area419 sqft Porch

Location & Zoning

Street Address413 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 129
Legal Range27E
Legal Township29S
Legal Section07
Legal SubdivisionRUBY LAKE PHASE FOUR
Legal Phase4
Legal Tract856604
Legal Block1
Legal Lot Number129
JurisdictionPOLK FL
Minor Civil DivisionLAKE WALES
Census Blockgroup1
Census Block1037
Census Tract14401

Owner

Source: Polk County records · APN 27-29-07-856604-001290

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 Address413 RUBY LAKE PL, WINTER HAVEN, FL 33884-3273
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Nov 21, 2025Warranty Deed, Transfer
UNKNOWN, INSTA CLOSE TITLE
Nov 14, 2023Warranty Deed, Transfer · Conventional Mortgage
EVERETT FINANCIAL INC
Jun 28, 2023Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
WRIGHT-PATT CREDIT UNION INC
May 13, 2021Deed of Trust, Mortgage · Conventional Mortgage
QUICKEN LOANS LLC
Aug 30, 2017Warranty Deed, Transfer · Conventional Mortgage
QUICKEN LNS

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 21, 2025 · Amount on Record
Deed SaleNov 21, 2025 · Amount on Record
Prior SaleNov 14, 2023 · Amount on Record
Deed Doc Number2025275957
Deed Book / Page13786 / 1512
Record RefreshedSep 20, 2026

November 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateNov 21, 2025
Property Address413 RUBY LAKE PL, WINTER HAVEN, FL 33884-3273
Document Number0000275957
Book / Page13786 / 1512
Map ReferenceMB 108 PG 21
Instrument DateNov 19, 2025
Instrument2025275957
Transaction TypeTransfer
Record UpdatedDec 09, 2025
Title CompanyUNKNOWN, INSTA CLOSE TITLE

Transaction

AmountAmount Recorded
Tax$3,185.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 314, WINTER HAVEN, FL 33885

Transferred To (Grantee/Buyer)

NameVerified Name
Address413 RUBY LAKE PL, WINTER HAVEN, FL 33884-3273

November 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateNov 14, 2023
Property Address413 RUBY LAKE PL, WINTER HAVEN, FL 33884-3273
Document Number0000267889
Book / Page12907 / 1104
Map ReferenceMB 108 PG 21
Instrument DateNov 08, 2023
Instrument2023267889
Transaction TypeTransfer
Record UpdatedDec 04, 2023
Title CompanyLAKELAND TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,465.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address413 RUBY LAKE PL, WINTER HAVEN, FL 33884-3273

Transferred To (Grantee/Buyer)

NameVerified Name
Address413 RUBY LAKE PL, WINTER HAVEN, FL 33884-3273

Mortgage

Document Number0129071106
DateNov 14, 2023
Instrument12907//1106
Lender
NameEVERETT FINANCIAL INC
TypeFunding / Finance Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2053

June 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateJun 28, 2023
Property Address413 RUBY LAKE PL, WINTER HAVEN, FL 33884-3273
Document Number0000151449
Book / Page12744 / 2117
Map ReferenceMB 108 PG 21
Instrument DateJun 23, 2023
Instrument2023151449
Transaction TypeTransfer
Record UpdatedJul 11, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,364.20
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address1902 ELEANOR DR, KINSTON, NC 28504-1962

Transferred To (Grantee/Buyer)

NameVerified Name
Address6245 AMBERLEY CT, LIBERTY TOWNSHIP, OH 45044-8663

Mortgage

Document Number0127442119
DateJun 28, 2023
Instrument12744/2119
Lender
NameWRIGHT-PATT CREDIT UNION INC
TypeCredit Union
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2053
Interest
Change Frequency15 Years

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address413 RUBY LAKE PL, WINTER HAVEN, FL 33884-3273
Transaction TypeMortgage
Record UpdatedMay 31, 2021
Title CompanyAMROCK INC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000124662
DateMay 13, 2021
Book Page11713/2039
Instrument2021124662
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2051

August 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateAug 30, 2017
Property Address413 RUBY LAKE PL, WINTER HAVEN, FL 33884-3273
Document Number0102482230
Book / Page010248 / 002230
Instrument DateAug 24, 2017
Instrument168447
Transaction TypeTransfer
Record UpdatedSep 15, 2017
Title CompanyPARAMOUNT TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,785.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address413 RUBY LAKE PL WINTER HAVEN FL 338843273, WINTER HAVEN, FL 33884-3273

Mortgage

Document Number102482232
DateAug 30, 2017
Book Page010248/002232
Instrument168448
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 29, 2047

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$6,191.00 (-3.37%) Homeowner's exemption$374,577 (-2.8%) Land $76,000 Building $298,577$374,577 (-2.8%) Land $76,000 Building $298,577
2024$6,407.00 (+81.19%) Homeowner's exemption$385,380 (+67.51%) Land $76,000 Building $309,380$385,380 (+12.63%) Land $76,000 Building $309,380
2023$3,536.00 (+2.91%)$230,069 (+3%)$342,179 (+14.19%) Land $74,000 Building $268,179
2022$3,436.00 Homeowner's exemption$223,368$299,661 Land $62,000 Building $237,661

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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