$484,900
335 Ruby Lake Loop
Winter Haven, FL 33884
Property type
Year built
Lot size
Price / sq ft
HOA dues
Day on market
Garage spaces
Flood zone
About this home
Located in one of SE Winter Haven's most desirable gated communities, this meticulously maintained 4-bedroom, 3-bath pool home offers the perfect blend of elegance, comfort, and Florida outdoor living. Showcasing a desirable triple-split floor plan and numerous updates, including a new roof in 2022 and a new water heater in 2026, this move-in-ready residence is designed to accommodate both everyday living and entertaining with ease. Stepping through the front door, you'll immediately appreciate the soaring ceilings, elegant crown molding, and luxury vinyl flooring that flows seamlessly throughout the entire home. The thoughtfully designed layout offers both formal and casual living spaces, providing a warm and inviting atmosphere. The formal living room features stacking sliding glass doors that open to the lanai and pool, creating seamless indoor-outdoor living, while the adjacent formal dining room provides an elegant setting for gatherings and special occasions. At the heart of the home, the spacious kitchen has been beautifully updated with professionally painted maple wood cabinetry, granite countertops, stainless appliances, a breakfast bar, and a double-door closet pantry offering exceptional storage. The adjoining family room creates a comfortable space to relax and enjoy time with family and friends. The primary suite is a true retreat, featuring pool access, two walk-in closets, and a spacious en-suite bathroom with dual vanities, a soaking tub, and a separate walk-in shower. The home's triple-split layout provides excellent privacy, with two guest bedrooms sharing a full bathroom while the fourth bedroom is tucked away at the rear of the home behind a pocket door alongside the third bathroom, creating an ideal guest suite, in-law space, or home office. The third bathroom also serves as a pool bath. All guest bedrooms are generously sized, and one bedroom features sliding barn doors and a custom-made Lego wall. The interior laundry room adds convenience with built-in cabinetry and a hanging rack. Spend sunny Florida afternoons relaxing in the screen-enclosed swimming pool, lounging on the expansive pool deck, or enjoying shade beneath the covered lanai. The vinyl-fenced backyard offers exceptional privacy with no rear neighbors, creating a peaceful setting for entertaining, pets, or simply enjoying the outdoors. An irrigation well helps keep the landscaping lush while reducing monthly water expenses. Additional features include a generator connection with transfer switch (2024), new toilets (2023), rain gutters, garage work/storage station, extended driveway for additional parking, and more. Residents of Ruby Lake enjoy the security of a gated entrance along with a warm, neighborly atmosphere. Spend peaceful afternoons birdwatching by the scenic community pond, enjoy leisurely bike rides through the neighborhood, or connect with neighbors during an evening stroll along the quiet streets. Conveniently located in Winter Haven with easy access to Legoland FL, downtown restaurants, farmers markets, arts festivals, shopping and a vibrant nightlife scene. Centrally positioned between Tampa and Orlando, this location also provides convenient access to major airports, world-famous attractions, and beautiful Gulf and Atlantic Coast beaches. Combining quality craftsmanship, exceptional privacy, and a desirable location, this beautifully maintained pool home offers an outstanding opportunity to enjoy the very best of Florida living.
Local Insight
At $202/sqft for a 1999 pool home in Ruby Lake, you're getting solid value for Winter Haven lakefront living, but the real question is whether you're buying this for lifestyle (fishing, LEGOLAND proximity, retirees) or banking on appreciation—because at this price point and age, the resale math depends heavily on which buyer segment you're targeting when you sell. The $71/month HOA is reasonable, but verify what lake access and amenities you actually get, since not all Ruby Lake lots have equal waterfront; also confirm the pool is in good shape, as that's often what justifies the premium here. Location-wise, you're 50+ miles from Orlando, so this only works if Winter Haven itself is your destination, not a compromise between cost and commute.
AI-generated insight based on listing data and neighborhood context. Verify independently.
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 history1 days on market
- Status: ActiveJun 5, 2026
- Listed$484,900Jun 5, 2026
- Price increased$484,900
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 1
- Subdivision
- Ruby Lake Ph 02
- County
- Polk
- Year built
- 1999
- Living area
- 2,406 sq ft
- Price/sq ft
- $202
- Building area
- 3,117 sq ft (Public Records)
- Lot size
- 10,624 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- X (12105C0535H)
- Garage
- 2 spaces
- Pool
- Private pool
- Annual taxes
- $3,154 (2025)
- Parcel #
- 27-29-07-855605-000420
- MLS #
- L4962358
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Interior Details
- Bedrooms
- 4
- Full bathrooms
- 3
- Flooring
- Luxury Vinyl
- Appliances
- Dishwasher, Electric Water Heater, Microwave, Range, Refrigerator
- Interior features
- Built-in Features, Ceiling Fans(s), Coffered Ceiling(s), Crown Molding, Eat-in Kitchen, High Ceilings, Kitchen/Family Room Combo, Open Floorplan, Pest Guard System, Primary Bedroom Main Floor, Solid Surface Counters, Solid Wood Cabinets, Split Bedroom, Stone Counters, Walk-In Closet(s)
- Laundry
- Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
- Stories / Levels
- One
- Direction faces
- West
Heating & Cooling
- Heating
- Central, Electric
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
- Parking features
- Driveway, Garage Door Opener, Oversized
HOA & Financial
- HOA fee
- $850 / Annually
- Monthly HOA
- $71/mo
- Total monthly fees
- $71/mo
- Total annual fees
- $850
- HOA name
- Don Asher & Assoc. - Michellette Ramos
- CDD
- No
- Homestead exemption
- Yes
- Min lease term
- 6 Months
- Listing terms
- Cash, Conventional, FHA, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- Yes
- Additional lease restrictions
- Contact HOA management company for additional leasing details. No short term leasing allowed.
Exterior & Construction
- Exterior features
- Private Mailbox, Rain Gutters, Sliding Doors
- Construction materials
- Block, Stucco
- Roof
- Shingle
- Foundation
- Slab
- Pool
- Private pool
- Road surface
- Asphalt
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- BB/HS Internet Available, Cable Available, Electricity Connected, Public, Sewer Connected, Sprinkler Well, Water Connected
Community
- Pets allowed
- Cats OK, Dogs OK, 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 |
|---|---|---|
| Family Room | First | 16x19 |
| Living Room | First | 15x18 |
| Kitchen | First | 17x20 |
| Dining Room | First | 11x12 |
| Primary Bedroom | First | 13x18 |
| Primary Bathroom | First | 12x15 |
| Bedroom 2 | First | 12x12 |
| Bedroom 3 | First | 11x12 |
| Bedroom 4 | First | 11x12 |
| Bathroom 2 | First | 5x8 |
| Bathroom 3 | First | 5x11 |
| Laundry | First | 6x8 |
| Balcony/Porch/Lanai | First | 8x23 |
Listing Details
- Listing date
- 2026-06-05
- On market date
- 2026-06-05
- Original list price
- $484,900
- Occupant type
- Owner
- MLS area
- 33884 - Winter Haven / Cypress Gardens
- Listing AOR
- Lakeland
- Status changed
- 2026-06-05
- Tax legal description
- RUBY LAKE PHASE TWO PB 106 PG 10 LOT 42
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 N. Lake Ruby Dr. Make a left into the community on Ruby Lake Dr. Go through gate, make the first left onto Ruby Lake Loop. Follow it around two curves and home will be on your left, house number 335.
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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 June 6, 2026 at 6:52 AM 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.
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