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9270 W Lk Ruby Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 9270 W Lk Ruby Dr, Winter Haven, FL 33884 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 4 ba · 4,646 sqft · built 1989
Lot Size0.986 acres (42,959 sqft)
Owner2 Individual Names on File
Last Sale$655,000 (Mar 2006)
Tax Bill$4,720 (2025)
Deeds & MortgagesDec 2020 Line of Credit
Flood ZoneZone X (minimal risk)
APN26-29-12-687500-000502

Property Details

APN / Parcel Number

Primary APN26-29-12-687500-000502
Alternative APNs
  • 122926687500000502
  • 22926000

Interior

Bedrooms4 Beds
Full Baths4 Baths
Stories2 Stories
Building Area4,646 sqft Living Area
Gross Area5,405 sqft
1st Floor Area2,936 sqft
Upper Floors Area1,710 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1989
Effective Year BuiltEffective 1989
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeHip
Roof MaterialOther
Lot Area42,959 sqft (0.986 acres)
Lot Dimensions360 ft deep x 125 ft wide
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area759 sqft

Exterior Amenities

Pool Area512 sqft
PorchFinished/Open Porch
Porch Area456 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address9270 W LAKE RUBY DR
CityWINTER HAVEN
StateFL
Zip33884-3118
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLEE JAS SUB PB 3 PG 5 LOT E S 125 FT OF N 265 FT LYING E OF ST RD #540-A
Legal Range26E
Legal Township29S
Legal Section12
Legal SubdivisionLEE JAS SUBDIVISION
Legal Tract687500
Legal Block1
Legal Lot NumberE
JurisdictionPOLK FL
Township / Civil DivisionLAKE WALES
Census Block Group1
Census Block1043
Census Tract14401

Owner

Source: Polk County records · APN 26-29-12-687500-000502

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 Record2 Individual Names on File
Mailing Address9270 W LAKE RUBY DR, WINTER HAVEN, FL 33884-3118
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 27, 2006 · Amount on Record
Deed SaleMar 27, 2006 · Amount on Record
Prior SaleSep 17, 1996 · Amount on Record
Deed Document Number200675548
Deed Book / Page6697 / 1178
Record UpdatedSep 20, 2026

December 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address9270 W LAKE RUBY DR, WINTER HAVEN, FL 33884-3118
Document Number0114910395
Instrument DateDec 04, 2020
Transaction TypeMortgage
Record UpdatedDec 24, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address9270 W LAKE RUBY DR WINTER HAVEN FL 338843118, WINTER HAVEN, FL 33884-3118

Mortgage

Document Number0114910395
DateDec 11, 2020
Book Page011491/000395
Instrument267438
Lender
NameCITIZENS BK
TypeBank
AddressPO BOX 7, FROSTPROOF, FL 33843-0007
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated June 23, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateFlorida
CountyPolk County
Unified School DistrictPolk 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.

YearTax BillAssessed ValueAssessed Market Value
2025$4,720.00 (-5.03%) Homeowner's exemption$405,329 (+5.99%)$613,386 (-0.45%) Land $169,500 Building $443,886
2023$4,970.00 (+2.47%) Homeowner's exemption$382,433 (+3%)$616,171 (+18.84%) Land $165,000 Building $451,171
2022$4,850.00 Homeowner's exemption$371,294$518,500 Land $138,000 Building $380,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (12105C), updated October 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121050144011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 35 individual NFIP policies nearby
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies35 in force

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 7 locations within about half a mile of this property, a small sample

ProviderTechnologyDownload / Upload (Mbps)
FrontierFiber5,000 / 5,000
SpectrumCable1,000 / 1,000

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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