335 Ruby Lake Loop, FL
Stellar MLS

$484,900

335 Ruby Lake Loop

Winter Haven, FL 33884

Active
4
Beds
3
Baths
2,406
Sq Ft
0.24
Acres
1999
Built
Private pool$202/sqft
Single Family Residence

Property type

1999

Year built

10,624 sqft

Lot size

$202

Price / sq ft

$71/mo

HOA dues

1

Day on market

2

Garage spaces

X

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

Principal & interest$2,452
Property taxes$263
Home insurance (est.)$222
HOA dues$71

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

  1. Status: Active
    Jun 5, 2026
  2. Listed$484,900
    Jun 5, 2026
  3. 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

ElementaryChain O Lakes ElemGreatSchools ↗
MiddleDenison MiddleGreatSchools ↗
High SchoolLake Region HighGreatSchools ↗

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

RoomLevelDimensions
Family RoomFirst16x19
Living RoomFirst15x18
KitchenFirst17x20
Dining RoomFirst11x12
Primary BedroomFirst13x18
Primary BathroomFirst12x15
Bedroom 2First12x12
Bedroom 3First11x12
Bedroom 4First11x12
Bathroom 2First5x8
Bathroom 3First5x11
LaundryFirst6x8
Balcony/Porch/LanaiFirst8x23

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 riskFEMA Zone XPanel 12105C0535H

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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MLS GRID

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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