Polk County property record for 445 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 2000 |
| Square Footage | 2,085 sqft Living Area |
| Lot Size | 10,311 sqft (0.237 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $245,000 (2019) |
| Tax Bill | $3,150.00 (2025) |
| Primary APN | 27-29-07-856606-001480 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,085 sqft Living Area |
| Gross Area | 2,547 sqft Gross Area |
| 1st Floor | 2,085 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| 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 | 10,311 sqft (0.237 acres) |
| Depth X Width | 125 ft x 82 ft Depth x Width |
| Garage Type | Attached Garage |
| Garage Area | 462 sqft Garage |
| Porch Area | 261 sqft Porch |
| Street Address | 445 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 148 |
| 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 | 148 |
| Jurisdiction | POLK FL |
| Minor Civil Division | LAKE WALES |
| Census Blockgroup | 1 |
| Census Block | 1037 |
| Census Tract | 14401 |
Source: Polk County records · APN 27-29-07-856606-001480
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 | 445 RUBY LAKE PL, WINTER HAVEN, FL 33884-3273 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 27, 2021 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK & TRUST |
| Apr 23, 2019 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MTG |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 23, 2019 · Amount on Record |
| Deed Sale | Apr 23, 2019 · Amount on Record |
| Prior Sale | Jul 07, 2004 · Amount on Record |
| Deed Doc Number | 201981329 |
| Deed Book / Page | 10816 / 2197 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 445 RUBY LAKE PL, WINTER HAVEN, FL 33884-3273 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2021 |
| Name | Verified Name |
|---|---|
| Address | 445 RUBY LAKE PL, WINTER HAVEN, FL 33884-3273 |
| Document Number | 0000107199 |
|---|---|
| Date | Apr 27, 2021 |
| Book Page | 11687/251 |
| Instrument | 2021107199 |
| Name | CITIZENS BANK & TRUST |
|---|---|
| Type | Bank |
| Address | FROSTPROOF, FL 33843 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 23, 2019 |
| Property Address | 445 RUBY LAKE PL, WINTER HAVEN, FL 33884-3273 |
| Document Number | 0108162197 |
| Book / Page | 010816 / 002197 |
| Instrument Date | Apr 16, 2019 |
| Instrument | 81329 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2019 |
| Title Company | SUNBELT TITLE (AGENCY) |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,715.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 445 RUBY LAKE PL WINTER HAVEN FL 338843273, WINTER HAVEN, FL 33884-3273 |
| Document Number | 108162198 |
|---|---|
| Date | Apr 23, 2019 |
| Book Page | 010816/002198 |
| Instrument | 81330 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 22, 2049 |
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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,150.00 (+6.17%) Homeowner's exemption | $211,953 (+5.99%) | $332,042 (+1.49%) Land $76,000 Building $256,042 |
| 2023 | $2,967.00 (+3.02%) Homeowner's exemption | $199,981 (+3%) | $327,175 (+13.22%) Land $74,000 Building $253,175 |
| 2022 | $2,880.00 Homeowner's exemption | $194,156 | $288,976 Land $62,000 Building $226,976 |
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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