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9800 W Lk Ruby Dr, Winter Haven, FL 33884 Property Records

Polk County property record for 9800 W Lk Ruby Dr, Winter Haven, FL 33884 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 5 ba · 3,239 sqft · built 1997
Lot Size1.61 acres (70,415 sqft)
Owner2 Trust Names on File
Last Sale$583,000 (Oct 2019)
Tax Bill$5,214 (2025)
Deeds & MortgagesJan 2020 Line of Credit
Oct 2019 Sale
Flood ZoneZone X (minimal risk)
APN26-29-12-687500-000101

Property Details

APN / Parcel Number

Primary APN26-29-12-687500-000101
Alternative APNs
  • 122926687500000101
  • 22926000

Interior

Bedrooms4 Beds
Full Baths5 Baths
Stories1 Story
Building Area3,239 sqft Living Area
Gross Area3,211 sqft
1st Floor Area2,499 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1997
Effective Year BuiltEffective 1997
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeHip
Roof MaterialOther
Lot Area70,415 sqft
Lot Dimensions550 ft deep x 100 ft wide
View / LotCommercial/Industrial
Garage TypeAttached
Garage Area712 sqft

Exterior Amenities

Pool Area570 sqft
PorchScreened/Unfinished Porch
Porch Area1,117 sqft
Shed1 Shed
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address9800 W LAKE RUBY DR
CityWINTER HAVEN
StateFL
Zip33884-4127
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLEE JAS SUB PB 3 PG 5 LOT A E OF ASP RD LYING S OF LAKE RUBYWOOD AS RECORDED IN PB 87 PG 22 & S OF LAKE RUBYWOOD REPLAT AS REC IN PB 92 PGS 49 & 50 LESS S 530 FT
Legal Range26E
Legal Township29S
Legal Section12
Legal SubdivisionLEE JAS SUBDIVISION
Legal TractA
Legal Block1
Legal Lot NumberA
JurisdictionPOLK FL
Township / Civil DivisionLAKE WALES
Census Block Group1
Census Block1043
Census Tract14401

Owner

Source: Polk County records · APN 26-29-12-687500-000101

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 Trust Names on File
Mailing Address9800 W LAKE RUBY DR, WINTER HAVEN, FL 33884-4127
OccupancyOwner Occupied
Owner TypeIndividual
VestingTrust, Revocable Trust

Deeds, Mortgages & Sale History

DateDocument
Jan 09, 2020Deed of Trust, Mortgage · Line of Credit
TRUIST BK
Oct 29, 2019Warranty Deed, Transfer
MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleOct 29, 2019 · Amount on Record
Deed SaleOct 29, 2019 · Amount on Record
Prior SaleOct 11, 2002 · Amount on Record
Deed Document Number2019229182
Deed Book / Page11022 / 93
Prior Transfer DateNov 03, 2003
Prior Transfer Doc0000240683
Record UpdatedSep 20, 2026

January 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPOLK FL
Property Address9800 W LAKE RUBY DR, WINTER HAVEN, FL 33884-4127
Document Number0111112189
Instrument DateJan 09, 2020
Transaction TypeMortgage
Record UpdatedFeb 04, 2020
Title CompanyTITLE365 - OMAHA

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address9800 W LAKE RUBY DR WINTER HAVEN FL 338844127, WINTER HAVEN, FL 33884-4127

Mortgage

Document Number0111112189
DateJan 17, 2020
Book Page011111/002189
Instrument13472
Lender
NameTRUIST BK
AddressORLANDO, FL 32809
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueJan 16, 2050
Interest
Rate TypeAdjustable Rate

October 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK FL
Recording DateOct 29, 2019
Property Address9800 W LAKE RUBY DR, WINTER HAVEN, FL 33884-4127
Document Number0110220093
Book / Page011022 / 000093
Instrument DateOct 23, 2019
Instrument229182
Transaction TypeTransfer
Record UpdatedNov 14, 2019
Title CompanyMTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC

Transaction

AmountAmount Recorded
Tax$4,081.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address9800 W LAKE RUBY DR WINTER HAVEN FL 338844127, WINTER HAVEN, FL 33884-4127

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$5,214.00 (-4.21%) Homeowner's exemption$443,514 (+5.99%)$537,035 (-0.64%) Land $143,510 Building $393,525
2023$5,443.00 (+2.43%) Homeowner's exemption$418,461 (+3%)$540,500 (+17.69%) Land $139,700 Building $400,800
2022$5,314.00 Homeowner's exemption$406,273$459,256 Land $116,840 Building $342,416

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 ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft

Wildfire

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

Values are read at the parcel center point; lenders make the official flood determination.

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