Polk County property record for 453 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 2001 |
| Square Footage | 2,172 sqft Living Area |
| Lot Size | 13,939 sqft (0.32 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $215,000 (2013) |
| Tax Bill | $3,304.00 (2025) |
| Primary APN | 27-29-07-856606-001440 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,172 sqft Living Area |
| Gross Area | 2,613 sqft Gross Area |
| 1st Floor | 2,172 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| 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 | 13,939 sqft (0.32 acres) |
| Garage Type | Attached Garage |
| Garage Area | 441 sqft Garage |
| Pool Area | 392 sqft Pool |
| Porch Area | 387 sqft Porch |
| Street Address | 453 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 144 |
| 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 | 144 |
| Jurisdiction | POLK FL |
| Minor Civil Division | LAKE WALES |
| Census Blockgroup | 1 |
| Census Block | 1037 |
| Census Tract | 14401 |
Source: Polk County records · APN 27-29-07-856606-001440
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 | 453 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 |
|---|---|
| May 11, 2021 | Intrafamily Transfer, Transfer |
| Sep 24, 2018 | Deed of Trust, Mortgage · Line of Credit STEARNS BK NATL ASSN |
| Jul 24, 2017 | Deed of Trust, Mortgage STEARNS BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 17, 2013 · Amount on Record |
| Deed Sale | Sep 17, 2013 · Amount on Record |
| Prior Sale | Oct 31, 2005 · Amount on Record |
| Deed Doc Number | 2013172453 |
| Deed Book / Page | 9064 / 853 |
| Last Transfer Date | Aug 26, 2019 |
| Transfer Doc | 0000121993 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | May 11, 2021 |
| Property Address | 453 RUBY LAKE PL, WINTER HAVEN, FL 33884-3273 |
| Document Number | 0000121993 |
| Book / Page | 11709 / 2230 |
| Map Reference | MB 108 PG 45&46 |
| Instrument Date | Aug 26, 2019 |
| Instrument | 2021121993 |
| Transaction Type | Transfer |
| Record Updated | May 27, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 453 RUBY LAKE PL, WINTER HAVEN, FL 33884-3273 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 453 RUBY LAKE PL, WINTER HAVEN, FL 33884-3273 |
| Document Number | 0106290631 |
| Instrument Date | Sep 24, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 453 RUBY LAKE PL WINTER HAVEN FL 338843273, WINTER HAVEN, FL 33884-3273 |
| Document Number | 0106290631 |
|---|---|
| Date | Oct 02, 2018 |
| Book Page | 010629/000631 |
| Instrument | 207971 |
| Name | STEARNS BK NATL ASSN |
|---|---|
| Address | ST PETERSBURG, FL 33702 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 01, 2028 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 453 RUBY LAKE PL, WINTER HAVEN, FL 33884-3273 |
| Document Number | 0102141966 |
| Book / Page | 010214 / 001966 |
| Instrument Date | Jul 24, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 07, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 453 RUBY LAKE PL WINTER HAVEN FL 338843273, WINTER HAVEN, FL 33884-3273 |
| Document Number | 0102141966 |
|---|---|
| Date | Jul 26, 2017 |
| Book Page | 010214/001966 |
| Instrument | 141827 |
| Name | STEARNS BK |
|---|---|
| Type | Bank |
| Address | ST PETERSBURG, FL 33702 |
| Amount | Amount Recorded |
|---|
| Rate Type | Adjustable Rate |
|---|
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 | $3,304.00 (+6.1%) Homeowner's exemption | $220,189 (+5.99%) | $342,670 (+2.45%) Land $76,000 Building $266,670 |
| 2023 | $3,114.00 (+2.98%) Homeowner's exemption | $207,750 (+3%) | $334,479 (+13.7%) Land $74,000 Building $260,479 |
| 2022 | $3,024.00 Homeowner's exemption | $201,699 | $294,182 Land $62,000 Building $232,182 |
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.
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