Polk County property record for 431 Ruby Lake Pl, Winter Haven, FL 33884 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2010 |
| Square Footage | 2,798 sqft Living Area |
| Lot Size | 11,909 sqft (0.273 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $565,000 (2024) |
| Tax Bill | $7,349.00 (2025) |
| Primary APN | 27-29-07-856606-001550 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,798 sqft Living Area |
| Gross Area | 3,358 sqft Gross Area |
| 1st Floor | 2,798 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2000 |
|---|---|
| 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 | 11,909 sqft (0.273 acres) |
| Garage Type | Attached Garage |
| Garage Area | 560 sqft Garage |
| Pool Area | 288 sqft Pool |
| Porch Area | 312 sqft Porch |
| Street Address | 431 RUBY LAKE PL |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-3273 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | RUBY LAKE PHASE FIVE PB 108 PGS 45 & 46 LOT 155 |
| 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 | 155 |
| Jurisdiction | POLK FL |
| Minor Civil Division | LAKE WALES |
| Census Blockgroup | 1 |
| Census Block | 1037 |
| Census Tract | 14401 |
Source: Polk County records · APN 27-29-07-856606-001550
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 | 431 RUBY LAKE PL, WINTER HAVEN, FL 33884-3273 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Life Estate |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 29, 2024 · Amount on Record |
| Deed Sale | Jul 29, 2024 · Amount on Record |
| Prior Sale | Jul 16, 2010 · Amount on Record |
| Deed Doc Number | 2024174080 |
| Deed Book / Page | 13207 / 2129 |
| Last Transfer Date | Apr 10, 2026 |
| Transfer Doc | 0000096616 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 23, 2026 |
| Property Address | 431 RUBY LAKE PL, WINTER HAVEN, FL 33884-3273 |
| Document Number | 0000096616 |
| Book / Page | 13969 / 791 |
| Instrument Date | Apr 10, 2026 |
| Instrument | 202696616 |
| Transaction Type | Transfer |
| Record Updated | Jul 07, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 431 RUBY LAKE PL, WINTER HAVEN, FL 33884-3273 |
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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,349.00 (+113.94%) | $436,535 (+94.23%) Land $76,000 Building $360,535 | $436,535 (+12.55%) Land $76,000 Building $360,535 |
| 2023 | $3,435.00 (+2.91%) Homeowner's exemption | $224,755 (+3%) | $387,874 (+13.31%) Land $74,000 Building $313,874 |
| 2022 | $3,338.00 Homeowner's exemption | $218,209 | $342,321 Land $62,000 Building $280,321 |
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 500 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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