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9700 W Lk Ruby Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 9700 W Lk Ruby Dr, Winter Haven, FL 33884 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details5 bd · 4 ba · 4,844 sqft · built 2009
Lot Size1.46 acres (63,667 sqft)
Owner2 Company Names on File
Last Sale$125,000 (Dec 1998)
Tax Bill$7,108 (2025)
Deeds & MortgagesAug 2020 Line of Credit
Aug 2020 Transfer
Flood ZoneZone X (minimal risk)
APN26-29-12-687500-000103

Property Details

APN / Parcel Number

Primary APN26-29-12-687500-000103
Alternative APNs
  • 122926687500000103
  • 22926000

Interior

Bedrooms5 Beds
Full Baths4 Baths
Stories1 Story
Building Area4,844 sqft Living Area
Gross Area6,665 sqft
1st Floor Area4,844 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2009
Effective Year BuiltEffective 2009
Exterior MaterialStucco
Construction TypeConcrete Block
Roof TypeHip
Roof MaterialTile
Lot Area63,667 sqft
Lot Dimensions410 ft deep x 140 ft wide
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area1,176 sqft

Exterior Amenities

Pool TypeEnclosed Pool
PorchFlorida Room
Porch Area910 sqft
Boat AccessBoat Access

Location & Zoning

Street Address9700 W LAKE RUBY DR
CityWINTER HAVEN
StateFL
Zip33884-4151
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionJAMES LEE SUB PB 3 PG 5 LOT A N 265 FT OF S 530 FT E OF SR 540-A LESS N 125 FT
Legal Range26E
Legal Township29S
Legal Section12
Legal SubdivisionLEE JAS SUBDIVISION
Legal Tract687500
Legal Block1
Legal Lot NumberA
JurisdictionPOLK FL
Township / Civil DivisionLAKE WALES
Census Block Group1
Census Block1043
Census Tract14401

Owner

Source: Polk County records · APN 26-29-12-687500-000103

Assessment roll updated July 23, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Company Names on File
Mailing Address9700 W LAKE RUBY DR, WINTER HAVEN, FL 33884-4151
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, Revocable Trust

Deeds, Mortgages & Sale History

DateDocument
Aug 18, 2020Deed of Trust, Mortgage · Line of Credit
CENTERSTATE BK NA
Aug 12, 2020Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 02, 1998 · Amount on Record
Deed SaleDec 02, 1998 · Amount on Record
Deed Book / Page4141 / 489
Last Transfer DateJul 01, 2020
Transfer Doc0113320947
Record UpdatedSep 20, 2026

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address9700 W LAKE RUBY DR # W, W, WINTER HAVEN, FL 33884-4151
Document Number0113690700
Instrument DateAug 18, 2020
Transaction TypeMortgage
Record UpdatedSep 24, 2020
Title CompanyACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address9700 W LAKE RUBY DR WINTER HAVEN FL 338844151, WINTER HAVEN, FL 33884-4151

Mortgage

Document Number0113690700
DateSep 09, 2020
Book Page011369/000700
Instrument187370
Lender
NameCENTERSTATE BK NA
TypeBank
AddressWINTER HAVEN, FL 33884
Agreement
TypeLine of Credit
AmountAmount Recorded
Term120 Months
DueSep 08, 2030
Interest
Rate TypeAdjustable Rate

August 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionPOLK FL
Recording DateAug 12, 2020
Property Address9700 W LAKE RUBY DR # W, W, WINTER HAVEN, FL 33884-4151
Document Number0113320947
Book / Page011332 / 000947
Instrument DateJul 01, 2020
Instrument163250
Transaction TypeTransfer
Record UpdatedSep 03, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Estate
Address9700 W LAKE RUBY DR WINTER HAVEN FL 338844151, WINTER HAVEN, FL 33884-4151

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated July 23, 2026 · Last verified August 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$7,108.00 (-5.53%) Homeowner's exemption$590,016 (+5.99%)$816,150 (-2.39%) Land $175,162 Building $640,988
2024$7,524.00 (+3.69%)
2023$7,256.00 (+2.24%) Homeowner's exemption$556,687 (+3%)$836,141 (+12.93%) Land $170,495 Building $665,646
2022$7,097.00 Homeowner's exemption$540,473$740,384 Land $142,588 Building $597,796

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 175 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
FrontierFiber5,000 / 5,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20

May also be available at this address: Hotwire Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

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