Costs of owning

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Ruby Lake HOA fees

Winter Haven, Polk County · 33884

Homes in Ruby Lake (Winter Haven) pay a median $850 a year in HOA dues, about $71 a month, based on 7 listings. Half fall between $850 and $850. None of the listings we reviewed report a CDD.

HOA, median
$850/yr
About $71 a month
CDD, median
None reported
Property tax, median
$4,453/yr
Seller's bill; resets after a sale
Monthly, before mortgage
$442
HOA + tax at the medians

What the dues cover

  • Common Area Taxes43% of listings
  • Private Road43% of listings

Amenities listed: Gated.

Live inventory

For sale in Ruby Lake right now

4 active listings

344 Ruby Lake Loop
ActivePrice reduced
House for sale
$409,000
$20k
4 bed2 bath2,215 sqft0.24 acre lot
344 Ruby Lake Loop
Winter Haven, FL, 33884
Brokered by KELLER WILLIAMS REALTY SMART 1
355 Ruby Lake Loop
ActivePrice reduced
House for sale
$465,999
$9k
4 bed3 bath2,648 sqft0.23 acre lot
355 Ruby Lake Loop
Winter Haven, FL, 33884
Brokered by 1513 REALTY LLC
131 Ruby Lake Dr
ActivePrice reduced
House for sale
$359,000
$16k
3 bed2 bath1,914 sqft0.24 acre lot
131 Ruby Lake Dr
Winter Haven, FL, 33884
Brokered by STAR REALTY OF WINTER HAVEN
357 Ruby Lake Loop
ActivePrice reduced
House for sale
$394,900
$20k
3 bed2 bath2,107 sqft0.23 acre lot
357 Ruby Lake Loop
Winter Haven, FL, 33884
Brokered by LOCKHART & ASSOCIATES INC
See all 4 Ruby Lake homes

Ruby Lake cost questions

How much are HOA fees in Ruby Lake?

Homes in Ruby Lake (Winter Haven) pay a median $850 a year in HOA dues, about $71 a month, based on 7 listings. Half fall between $850 and $850.

Does Ruby Lake have a CDD?

None of the listings we reviewed report a CDD. Check the tax bill on any home you're serious about: a CDD shows up there as a separate assessment.

What does it cost each month to own in Ruby Lake, before the mortgage?

HOA and property tax come to about $442 a month at the medians (property tax median $4,453 a year). Insurance and the mortgage come on top. Property tax resets after a sale under Florida's homestead rules, so a buyer's bill can be higher than the seller's.

Where do these numbers come from?

Stellar MLS via Repliers listings in Ruby Lake from January 2026 to October 2026: homes for sale now plus closed sales in that period, one data point per address (rentals excluded). Fees are converted to annual figures. Individual homes vary by association and home type, so confirm the exact fee on any home before you make an offer.

Source: Stellar MLS via Repliers, January 2026 to October 2026. Medians from 7 addressesin subdivisions matching “RUBY LAKE”, phases combined. Listing data is reported by listing agents and can be out of date. Updated 2026-10-11.

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