9640 W Lk Ruby Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 9640 W Lk Ruby Dr, Winter Haven, FL 33884 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,729 sqft · built 1986
Lot Size	1.26 acres (55,321 sqft)
Owner	Individual Name on File
Last Sale	$650,000 (Jun 2017)
Tax Bill	$8,186 (2025)
Deeds & Mortgages	Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-29-12-687500-000102`

Property Details

APN / Parcel Number

Primary APN	`26-29-12-687500-000102`
Alternative APNs	`122926687500000102` `22926000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,729 sqft Living Area
Gross Area	4,425 sqft
1st Floor Area	3,729 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2010
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Other
Lot Area	55,321 sqft
Lot Dimensions	350 ft deep x 150 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	696 sqft

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	72 sqft
Shed	1 Shed
Boat Access	Boat Access

Location & Zoning

Street Address	9640 W LAKE RUBY DR
City	WINTER HAVEN
State	FL
Zip	33884-4114
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEE JAMES SUB PB 3 PG 5 LOT A S 150 FT E OF ROAD 540-A
Legal Range	26E
Legal Township	29S
Legal Section	12
Legal Subdivision	LEE JAS SUBDIVISION
Legal Tract	687500
Legal Block	1
Legal Lot Number	A
Jurisdiction	POLK FL
Township / Civil Division	LAKE WALES
Census Block Group	1
Census Block	1043
Census Tract	14401

Owner

Source: Polk County records · APN 26-29-12-687500-000102

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	Individual Name on File
Mailing Address	1676 VILLAGE GRN, CROFTON, MD 21114-2000
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 30, 2017 · Amount on Record
Deed Sale	Jun 30, 2017 · Amount on Record
Prior Sale	Jan 26, 2007 · Amount on Record
Deed Document Number	2017125601
Deed Book / Page	10192 / 1001
Record Updated	Sep 20, 2026

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jun 30, 2017
Property Address	9640 W LAKE RUBY DR, WINTER HAVEN, FL 33884-4114
Document Number	0101921001
Book / Page	010192 / 001001
Instrument Date	Jun 29, 2017
Instrument	125601
Transaction Type	Transfer
Record Updated	Jul 14, 2017
Title Company	RIDGE SECURITY TITLE INC, RIDGE SEC TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,550.00
Amount Accuracy	Confirmed
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1676 VILLAGE GRN CROFTON MD 211142014, CROFTON, MD 21114-2014

Mortgage

Document Number	101921002
Date	Jun 30, 2017
Book Page	010192/001002
Instrument	125602

Lender

Name	EQUITY MTG LNDG
Type	Mortgage Company
Address	OWINGS MILLS, MD 21117

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 29, 2027

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
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	$8,186.00 (-9.11%)	$633,199 (-2.9%) Land $172,699 Building $460,500	$633,199 (-2.9%) Land $172,699 Building $460,500
2023	$9,006.00 (+8.97%)	$652,102 (+11.16%) Land $168,088 Building $484,014	$652,102 (+11.16%) Land $168,088 Building $484,014
2022	$8,265.00	$586,656 Land $140,569 Building $446,087	$586,656 Land $140,569 Building $446,087

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 AE, 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.