355 Ruby Lake Loop, photo 1
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Overview

4 bd3 ba2,648 sqft2 car garageSingle Family
TypeSingle Family
HOA$850/yr
Built1998
Lot10,202 sqft
Living area2,648 sqft
Price / sqft$176
Garage2 car

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About this home

Cathedral Ceiling(s)Ceiling Fans(s)Chair RailCoffered Ceiling(s)Crown MoldingEat-in KitchenHigh CeilingsKitchen/Family Room Combo

355 Ruby Lake Loop is a 1998-built home in Ruby Lake Sub Ph II, Winter Haven. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,648 square feet of living space. Listed at $465,999 (about $176/sqft), 152 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $850 annually.

From the listing

WONDERFUL POOL HOME IN GATED COMMUNITY Located in Ruby Lake subdivision, this spacious home boasts appealing architectural enhancements with high ceilings throughout its 2,648 sq.ft. of living area. The layout features an open concept design with a formal living room, formal dining room, large family room and a split-plan for the 4 bedrooms and 3 full baths. The centrally located kitchen offers plenty of beautiful wood cabinets and granite counter space along with the conveniences of a pantry, breakfast bar and a dinette giving great view of the outdoor living space and pool. The generous family room has sliding glass doors to the lanai & pool and stands open to the dinette and kitchen. The seamless transition between the kitchen, formal living and dining rooms, and the casual living areas is perfect for daily life and when hosting get-togethers. The master en suite features a generous bedroom with sliding glass doors to the lanai, walk-in closet, and the bathroom has dual vanities, a soaking tub, walk-in shower, and water closet. The second bathroom stands convenient to the additional bedrooms and living areas and the third bathroom stands convenient to the pool area. This great Central Florida location is near shopping, schools, medical facilities and restaurants with easy access to both Tampa and Orlando.

The essentials

Built
1998
Price / sqft
$176
On market
152 days
Annual tax
$4,848
HOA
$850/yr
Flood zone
X · Low risk
Lot
10,202 sqft
Type
Single Family Residence

At a glance

Single family
Built 1998
Private pool
Gunite
2 car garage
Circular Driveway
10,202 sqft lot
Lot size
2,648 sqft
Living area

Payment

Est. monthly payment
$3,138/mo
Down payment (20%)
$93,200
Property taxes
$404/mo
HOA
$850/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1998
Lot
10,202 sqft
Cooling
Central Air
Heating
Central
Parking
Circular Driveway
Pool
Gunite, In Ground, Screen Enclosure
Days on Market
152
Cathedral Ceiling(s)
Ceiling Fans(s)
Chair Rail
Coffered Ceiling(s)
Crown Molding
Eat-in Kitchen
High Ceilings
Kitchen/Family Room Combo
Open Floorplan
Solid Wood Cabinets
Split Bedroom
Stone Counters
Walk-in Closet(s)
Lighting
Street Lights
Convection Oven
Dishwasher
Disposal
Electric Water Heater
Ice Maker
Microwave
Range
Refrigerator
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$4,848
Parcel #
27-29-07-855605-000320

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Ruby Lake Sub Ph II
County
Polk
MLS Area
33884 - Winter Haven / Cypress Gardens
Lot Size
10,202 sqft
City LimitsLandscapedLevelSidewalkPavedPrivate
HOA
$850/yr
Don Asher & Associates, Inc/Michellette Ramos

Price history

Date
Event
Price
8/22/2026
Price change
Source: Stellar MLS #K4903491
$465,999-0.9%
$176/sqft
-
Price change
Source: Stellar MLS #K4903491
$469,999-1.1%
$177/sqft
5/12/2026
Listed for sale
Source: Stellar MLS #K4903491
$474,999
$179/sqft

Neighborhood

355 Ruby Lake Loop
Winter Haven, FL, 33884 · 33884 - Winter Haven / Cypress Gardens

Market insights

Offer Insights

Choose an offer strength

List price: $465,999
$462,500 – $465,999
99.5% – 100% of listTops out right at the list price
80% of listList price
220 of the last 350 home closings in 33884 landed at this number or higher (63%). The median one sat 38 days before it went under contract, and this one is on day 152 after a $9,000 cut.

Sample: 350 closed home sales in 33884 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$3,138/mo
Principal & interest$2,430
Property taxes$404
Insurance$233
HOA$71
Down payment20% · $93,200
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$465,999

$176 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,648 sq ft

Time on market

152 days

Year built

1998

Monthly payment

About $3,138/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,848 annual tax bill, insurance, and the $850/yr HOA fee.

HOA fee

$850/yr

Managed by Don Asher & Associates, Inc/Michellette Ramos.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

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Brokered by1513 REALTY LLCListing agent: Pedro CartagenaListing data from Stellar MLS, MLS# K4903491.

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