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

Polk County property record for 435 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 2000
Square Footage	1,737 sqft Living Area
Lot Size	11,404 sqft (0.262 acres)
Occupancy	Owner Occupied
Last Sale	$207,500 (2012)
Tax Bill	$2,796.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`27-29-07-856606-001530`
Alternative APNs	`072927856606001530` `72927000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,737 sqft Living Area
Gross Area	2,359 sqft Gross Area
1st Floor	1,737 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Wood Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
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	11,404 sqft (0.262 acres)
Garage Type	Attached Garage
Garage Area	462 sqft Garage
Pool Area	392 sqft Pool
Porch Area	290 sqft Porch

Location & Zoning

Street Address	435 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 153
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	153
Jurisdiction	POLK FL
Minor Civil Division	LAKE WALES
Census Blockgroup	1
Census Block	1037
Census Tract	14401

Owner

Source: Polk County records · APN 27-29-07-856606-001530

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	435 RUBY LAKE PL, WINTER HAVEN, FL 33884-3273
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	Oct 24, 2012 · Amount on Record
Deed Sale	Oct 24, 2012 · Amount on Record
Prior Sale	Jul 01, 2010 · Amount on Record
Deed Doc Number	2012191753
Deed Book / Page	8782 / 1102
Record Refreshed	Sep 20, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	435 RUBY LAKE PL, WINTER HAVEN, FL 33884-3273
Document Number	0108682219
Instrument Date	May 25, 2019
Transaction Type	Mortgage
Record Updated	Jun 21, 2019
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	435 RUBY LAKE PL WINTER HAVEN FL 338843273, WINTER HAVEN, FL 33884-3273

Mortgage

Document Number	0108682219
Date	Jun 10, 2019
Book Page	010868/002219
Instrument	119205

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 09, 2049

Interest

Rate Type	Adjustable Rate

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	$2,796.00 (+6.51%) Homeowner's exemption	$198,020 (+5.99%)	$307,891 (+3.69%) Land $76,000 Building $231,891
2023	$2,625.00 (-0.11%) Homeowner's exemption	$186,834 (+3%)	$296,941 (+14.29%) Land $74,000 Building $222,941
2022	$2,628.00 Homeowner's exemption	$181,392	$259,804 Land $62,000 Building $197,804

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 500 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.