357 Ruby Lake Loop, photo 1
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Overview

3 bd2 ba2,107 sqft2 car garageSingle Family
TypeSingle Family
HOA$850/yr
Built1998
Lot10,193 sqft
Living area2,107 sqft
Price / sqft$187
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)Crown MoldingHigh CeilingsSolid Surface CountersSplit BedroomTray Ceiling(s)Walk-in Closet(s)Deed Restrictions

357 Ruby Lake Loop is a 1998-built home in Ruby Lake Ph 01, Winter Haven. Inside you'll find 3 bedrooms, 2 bathrooms, and 2,107 square feet of living space. Listed at $394,900 (about $187/sqft), 207 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $850 annually.

From the listing

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!

The essentials

Built
1998
Price / sqft
$187
On market
207 days
Annual tax
$2,731
HOA
$850/yr
Flood zone
X · Low risk
Lot
10,193 sqft
Type
Single Family Residence

At a glance

Single family
Built 1998
2 car garage
Driveway
10,193 sqft lot
Lot size
2,107 sqft
Living area

Payment

Est. monthly payment
$2,556/mo
Down payment (20%)
$78,980
Property taxes
$228/mo
HOA
$850/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1998
Lot
10,193 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway, Garage Door Opener
Days on Market
207
Ceiling Fans(s)
Crown Molding
High Ceilings
Solid Surface Counters
Split Bedroom
Tray Ceiling(s)
Walk-in Closet(s)
Deed Restrictions
Gated Community - No Guard
Dishwasher
Disposal
Electric Water Heater
Microwave
Range
Elementary
Chain O Lakes Elem
Middle
Denison Middle
High
Lake Region High

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$2,731
Parcel #
27-29-07-856603-000080

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 Ph 01
County
Polk
MLS Area
33884 - Winter Haven / Cypress Gardens
Lot Size
10,193 sqft
City Limits
HOA
$850/yr
Don Asher & Associates, Inc/Michellette Ramos

Price history

Date
Event
Price
9/25/2026
Price change
Source: Stellar MLS #L4960449
$394,900-1.3%
$187/sqft
-
Price change
Source: Stellar MLS #L4960449
$399,900-3.6%
$190/sqft
3/20/2026
Listed for sale
Source: Stellar MLS #L4960449
$415,000
$197/sqft

Neighborhood

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

Market insights

Offer Insights

Choose an offer strength

List price: $394,900
$392,500 – $394,900
99.5% – 100% of listTops out right at the list price
80% of listList price
223 of the last 353 home closings in 33884 landed at this number or higher (63%). The median one sat 39 days before it went under contract, and this one is on day 207 after a $20,100 cut.

Sample: 353 closed home sales in 33884 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,556/mo
Principal & interest$2,060
Property taxes$228
Insurance$197
HOA$71
Down payment20% · $78,980
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

$394,900

$187 per sq ft

Beds and baths

3 beds, 2 baths

Size

2,107 sq ft

Time on market

207 days

Year built

1998

Monthly payment

About $2,556/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,731 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 byLOCKHART & ASSOCIATES INCListing agent: Steve LockhartListing data from Stellar MLS, MLS# L4960449.

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