Polk County property record for 449 Ruby Lake Pl, Winter Haven, FL 33884 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2000 |
| Square Footage | 1,737 sqft Living Area |
| Lot Size | 10,467 sqft (0.24 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $180,000 (2013) |
| Tax Bill | $2,875.00 (2025) |
| Primary APN | 27-29-07-856606-001460 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 1,737 sqft Living Area |
| Gross Area | 2,199 sqft Gross Area |
| 1st Floor | 1,737 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 | 10,467 sqft (0.24 acres) |
| Garage Type | Attached Garage |
| Garage Area | 462 sqft Garage |
| Porch Area | 317 sqft Porch |
| Street Address | 449 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 146 |
| 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 | 146 |
| Jurisdiction | POLK FL |
| Minor Civil Division | LAKE WALES |
| Census Blockgroup | 1 |
| Census Block | 1037 |
| Census Tract | 14401 |
Source: Polk County records · APN 27-29-07-856606-001460
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 | 449 RUBY LAKE PL, WINTER HAVEN, FL 33884-3273 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Mar 05, 2026 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Dec 23, 2025 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 24, 2013 · Amount on Record |
| Deed Sale | Jul 24, 2013 · Amount on Record |
| Prior Sale | Nov 16, 2011 · Amount on Record |
| Deed Doc Number | 2013136572 |
| Deed Book / Page | 9016 / 503 |
| Last Transfer Date | Feb 25, 2026 |
| Transfer Doc | 0000053290 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Mar 05, 2026 |
| Property Address | 449 RUBY LAKE PL, WINTER HAVEN, FL 33884-3273 |
| Document Number | 0000053290 |
| Book / Page | 13905 / 1577 |
| Map Reference | MB 108 PG 45 |
| Instrument Date | Feb 25, 2026 |
| Instrument | 2026053290 |
| Transaction Type | Transfer |
| Record Updated | Mar 19, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 449 RUBY LAKE PLACE, WINTER HAVEN, FL 33884-3273 |
| Name | Verified Name |
|---|---|
| Address | 35239 WHISPERING PINES DR, ZEPHYRHILLS, FL 33541-2690 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 449 RUBY LAKE PL, WINTER HAVEN, FL 33884-3273 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000300463 |
|---|---|
| Date | Dec 23, 2025 |
| Book Page | 13822/347 |
| Instrument | 2025300463 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 25, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
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 | $2,875.00 (+6.28%) Homeowner's exemption | $197,240 (+5.99%) | $305,198 (+3.68%) Land $76,000 Building $229,198 |
| 2023 | $2,705.00 (+3.09%) Homeowner's exemption | $186,098 (+3%) | $294,365 (+14.06%) Land $74,000 Building $220,365 |
| 2022 | $2,624.00 Homeowner's exemption | $180,678 | $258,080 Land $62,000 Building $196,080 |
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 100 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures