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Overview

4 bd3 ba1,894 sqft2 car garageSingle Family
TypeSingle Family
HOA$484/mo
Built2008
Lot8,481 sqft
Living area1,894 sqft
Price / sqft$211
Garage2 car

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About this home

Cathedral Ceiling(s)Eat-in KitchenKitchen/Family Room ComboL DiningOpen FloorplanSolid Surface CountersSolid Wood CabinetsThermostat

4132 Martindale Loop is a 2008-built home in Traditions Ph 02, Winter Haven. Inside you'll find 4 bedrooms, 3 bathrooms, and 1,894 square feet of living space. Listed at $399,900 (about $211/sqft), 85 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $484 monthly.

From the listing

Welcome to this beautifully maintained, energy-efficient 4-bedroom, 3-bath home in the highly desirable Traditions at Ruby Lake, a premier 55+ gated community offering the very best of Florida resort-style living. Situated on an oversized lot, this exceptional home features a desirable split floor plan Jack and Jill bathroom w/ walk-in tub and soaring high ceilings that create a bright, open, and spacious feel throughout. Thoughtfully upgraded for both comfort and efficiency, the home offers a spacious, expanded screened lanai with brick pavers—the perfect outdoor retreat for entertaining or enjoying a quiet evening—enhanced by customizable LED lighting to create the ideal ambiance. Energy-saving features include foam-core insulation in the concrete block walls, new Andersen windows, and a freshly painted exterior. Inside, you'll find hardwood flooring in the primary bedroom and front bedroom, which also makes an ideal home office. The kitchen is beautifully appointed with custom cabinetry, granite countertops, slate stainless steel appliances, and abundant storage. Custom maple shelving in the pantry, laundry room, and both linen closets adds both elegance and functionality. The primary bath also features granite countertops, completing the home's high-quality finishes. Designed for comfortable everyday living and effortless entertaining, this home offers generous living spaces that provide both privacy and flexibility for family and guests. HOA dues provide exceptional value and include weekly lawn and landscape maintenance, Spectrum TV service, and exterior house painting every seven years. Residents also enjoy full access to the community's impressive lakefront clubhouse, featuring a resort-style pool and spa, sauna, showers, a fully equipped fitness center, staffed front desk, library, business center, billiards room, craft room, and a spacious ballroom that hosts meetings, dances, entertainment, guest speakers, clubs, and social events. Outdoor amenities are equally impressive and include tennis, basketball, bocce ball, shuffleboard, pickleball, three community boat docks, a picturesque lakeside gazebo, and a paved walking path along the lake—perfect for morning strolls or evening exercise. If you're looking for a move-in-ready home with exceptional upgrades, low-maintenance living, and an active, resort-style lifestyle, this is the one you won't want to miss!

The essentials

Built
2008
Price / sqft
$211
On market
85 days
Annual tax
$2,936
HOA
$484/mo
Flood zone
X · Low risk
Lot
8,481 sqft
Type
Single Family Residence

At a glance

Single family
Built 2008
2 car garage
8,481 sqft lot
Lot size
1,894 sqft
Living area

Payment

Est. monthly payment
$3,015/mo
Down payment (20%)
$79,980
Property taxes
$245/mo
HOA
$484/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2008
Lot
8,481 sqft
Cooling
Central Air
Heating
Central, Heat Pump
Parking
-
Days on Market
85
Cathedral Ceiling(s)
Eat-in Kitchen
Kitchen/Family Room Combo
L Dining
Open Floorplan
Solid Surface Counters
Solid Wood Cabinets
Thermostat
Window Treatments
Sliding Doors
Association Recreation - Owned
Clubhouse
Deed Restrictions
Dog Park
Fitness Center
Gated Community - Guard
Golf Carts OK
No Truck/Rv/Motorcycle Parking
Dishwasher
Disposal
Electric Water Heater
Microwave
Range
Refrigerator
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$2,936
Parcel #
26-29-13-687554-001600

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
Traditions Ph 02
County
Polk
MLS Area
33884 - Winter Haven / Cypress Gardens
Lot Size
8,481 sqft
HOA
$484/mo
LELAND MANAGEMENT

Price history

Date
Event
Price
7/18/2026
Listed for sale
Source: Stellar MLS #L4963446
$399,900
$211/sqft

Neighborhood

4132 Martindale Loop
Winter Haven, FL, 33884 · 33884 - Winter Haven / Cypress Gardens

Market insights

Offer Insights

Choose an offer strength

List price: $399,900
$397,500 – $399,900
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 85.

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
$3,014/mo
Principal & interest$2,086
Property taxes$245
Insurance$200
HOA$484
Down payment20% · $79,980
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

$399,900

$211 per sq ft

Beds and baths

4 beds, 3 baths

Size

1,894 sq ft

Time on market

85 days

Year built

2008

Monthly payment

About $3,015/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,936 annual tax bill, insurance, and the $484/mo HOA fee.

HOA fee

$484/mo

Managed by LELAND MANAGEMENT.

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 byTRADE WINDS REALTYListing agent: Mike WebbListing data from Stellar MLS, MLS# L4963446.

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