$394,900
357 Ruby Lake LoopWinter Haven, FL 33884
Listing updated: September 25, 2026 at 2:35 PM ET
Listing courtesy of Lockhart & Associates Inc · Steve Lockhart · MLS #L4960449 · Active · 863-293-1234Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
Welcome to your dream home in the gated community of Ruby Lake! This beautifully designed 3-bedroom, 2-bath Cassidy “Ox” floor plan perfectly balances elegance and everyday comfort. Step inside to discover a spacious layout featuring formal living and dining rooms, along with a generous family room—ideal for both entertaining and relaxed living. The updated kitchen is truly the heart of the home, showcasing sleek quartz countertops, a breakfast bar, closet pantry, and durable tile flooring. Retreat to the impressive primary suite, offering a large 17x15 bedroom, walk-in closet, and a spa-like en suite bath complete with soaking tub, walk-in shower, and dual vanities. Thoughtfully designed, the secondary bedroom and bath are handicap accessible with widened doorways for added ease. Enjoy Florida living year-round on the expansive 10x38 screened lanai—perfect for gatherings or quiet evenings. Additional highlights include an interior laundry room with sink, surround sound throughout, plantation shelving with ambient lighting, ceiling fans, irrigation system with separate meter, and a 2-car garage with a high-profile door. Conveniently located near shopping, dining, medical facilities, schools, and Legoland, with easy access to Tampa and Orlando—this exceptional home truly has it all. Don’t miss your opportunity to make it yours!
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history189 days on market
- Status: ActiveMar 20, 2026
- Listed$415,000Mar 20, 2026
- Price reduced$394,900
Property Documents
Documents the listing agent has made public for this property. Free to view and download.
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 189
- Subdivision
- Ruby Lake Ph 01
- County
- Polk
- Year built
- 1998
- Living area
- 2,107 sq ft
- Price/sq ft
- $187
- Building area
- 2,828 sq ft (Public Records)
- Lot size
- 10,193 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- X
- Garage
- 2 spaces
- Annual taxes
- $2,731 (2025)
- Parcel #
- 27-29-07-856603-000080
- MLS #
- L4960449
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Interior Details
- Bedrooms
- 3
- Full bathrooms
- 2
- Flooring
- Carpet, Ceramic Tile, Laminate
- Appliances
- Dishwasher, Disposal, Electric Water Heater, Microwave, Range
- Interior features
- Ceiling Fans(s), Crown Molding, High Ceilings, Solid Surface Counters, Split Bedroom, Tray Ceiling(s), Walk-In Closet(s)
- Laundry
- Inside, Laundry Room
- Stories / Levels
- One
- Direction faces
- North
Heating & Cooling
- Heating
- Central, Electric
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
- Parking features
- Driveway, Garage Door Opener
HOA & Financial
- HOA fee
- $850 / Annually
- Monthly HOA
- $71/mo
- Total monthly fees
- $71/mo
- Total annual fees
- $850
- HOA name
- Don Asher & Associates, Inc/Michellette Ramos
- CDD
- No
- Homestead exemption
- Yes
- Min lease term
- 8-12 Months
- Listing terms
- Cash, Conventional, FHA, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- Yes
- Additional lease restrictions
- check ruby lake.org for further information or to answer specific questions
Exterior & Construction
- Construction materials
- Block, Stucco
- Roof
- Shingle
- Foundation
- Slab
- Road surface
- Paved
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Public
Community
- Pets allowed
- Yes
Schools
Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Living Room | First | 18.5x15.25 |
| Dining Room | First | 11.25x11.75 |
| Kitchen | First | 16x9.75 |
| Family Room | First | 15x14 |
| Primary Bedroom | First | 18x14.75 |
| Bedroom 2 | First | 12.75x11.25 |
| Bedroom 3 | First | 12.75x11 |
Listing Details
- Listing date
- 2026-03-20
- On market date
- 2026-03-20
- Original list price
- $415,000
- Occupant type
- Owner
- MLS area
- 33884 - Winter Haven / Cypress Gardens
- Listing AOR
- Lakeland
- Status changed
- 2026-03-20
- Tax legal description
- RUBY LAKE PHASE ONE PB 105 PGS 19 & 20 LOT 8
Flood risk
Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
Cypress Gardens Blvd to Ruby Lake Lane. Turn left into the community and (need gate code!) straight through the gate. Turn right at the stop sign. Make the 1st left on Ruby Lake Loop. Home is on the right.
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Listings courtesy of Stellar MLS as distributed by MLS GRID
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Based on information submitted to the MLS GRID as of September 25, 2026 at 2:35 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
All or a portion of the multiple listing information is provided by Stellar MLS, from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2026 Stellar MLS. All rights reserved.
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