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

Polk County property record for 418 Ruby Lake Pl, Winter Haven, FL 33884 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2003
Square Footage	2,273 sqft Living Area
Lot Size	11,552 sqft (0.265 acres)
Occupancy	Owner Occupied
Last Sale	$218,000 (2013)
Tax Bill	$3,784.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`27-29-07-856606-001650`
Alternative APNs	`072927856606001650` `72927000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,273 sqft Living Area
Gross Area	3,183 sqft Gross Area
1st Floor	2,273 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Wood Flooring
Interior Structure	Wallboard/Drywall Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
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	11,552 sqft (0.265 acres)
Depth X Width	135 ft x 85 ft Depth x Width
Garage Type	Attached Garage
Garage Area	552 sqft Garage
Pool Area	392 sqft Pool
Porch Area	414 sqft Porch

Location & Zoning

Street Address	418 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 FIVE PB 108 PGS 45 & 46 LOT 165
Legal Range	27E
Legal Township	29S
Legal Section	07
Legal Subdivision	RUBY LAKE PHASE FIVE
Legal Phase	5
Legal Tract	856606
Legal Block	1
Legal Lot Number	165
Jurisdiction	POLK FL
Minor Civil Division	LAKE WALES
Census Blockgroup	1
Census Block	1060
Census Tract	14401

Owner

Source: Polk County records · APN 27-29-07-856606-001650

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	418 RUBY LAKE PL, WINTER HAVEN, FL 33884-3272
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 07, 2013 · Amount on Record
Deed Sale	May 07, 2013 · Amount on Record
Prior Sale	Feb 07, 2006 · Amount on Record
Deed Doc Number	201385089
Deed Book / Page	8949 / 2295
Last Transfer Date	Dec 29, 2016
Transfer Doc	0100240767
Record Refreshed	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	418 RUBY LAKE PL, WINTER HAVEN, FL 33884-3272
Transaction Type	Mortgage
Record Updated	Apr 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	418 RUBY LAKE PL, WINTER HAVEN, FL 33884-3272

Mortgage

Document Number	0000095495
Date	Apr 07, 2022
Book Page	12200/214
Instrument	2022095495

Lender

Name	FIRST COMMUNITY MORTGAGE INC
Type	Mortgage Company
Address	MURFREESBORO, TN 37129

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2052

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Municipality	Winter Haven City
Unified School District	Polk 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,784.00 (+5.96%) Homeowner's exemption	$245,843 (+5.99%)	$365,264 (+0.81%) Land $76,000 Building $289,264
2023	$3,571.00 (+2.88%) Homeowner's exemption	$231,955 (+3%)	$362,330 (+14.43%) Land $74,000 Building $288,330
2022	$3,471.00 Homeowner's exemption	$225,199	$316,636 Land $62,000 Building $254,636

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 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

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.