131 Ruby Lake Dr, photo 1
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Overview

3 bd2 ba1,914 sqft2 car garageSingle Family
TypeSingle Family
HOA$850/yr
Built2000
Lot10,624 sqft
Living area1,914 sqft
Price / sqft$188
Garage2 car

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

About this home

Ceiling Fans(s)High CeilingsKitchen/Family Room ComboL DiningLiving Room/Dining Room ComboSplit BedroomThermostatWalk-in Closet(s)

131 Ruby Lake Dr is a 2000-built home in Ruby Lake Ph 01, Winter Haven. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,914 square feet of living space. Listed at $359,000 (about $188/sqft), 189 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $850 annually.

From the listing

Virtually Staged. Fully refreshed and move-in ready, this Ruby Lake home delivers space, thoughtful upgrades, and a layout that stands out from the rest. Offering high ceilings and a well-designed flow from the L-shaped formal living room that transitions into the formal dining area, creating a defined yet open feel. The kitchen sits at the center with a dinette overlooking the family room. A standout feature is the seamless connection to the outdoor space, with three separate access points to the 33x10 screened-in lanai, from the dinette, formal dining area, and primary suite—creating true indoor-outdoor living. The kitchen has been tastefully updated with brand new granite countertops, new range, and new microwave, along with ample cabinetry, a closet pantry, and breakfast bar. The primary suite is generously sized and opens into an en-suite featuring dual walk-in closets, split vanities, a garden tub, walk-in tile shower, and a private water closet. The split-bedroom floor plan offers privacy, while all bedrooms include walk-in closets. Recent improvements make this one stand out from others in the neighborhood, including brand new carpet throughout, fresh interior paint, and a new water heater, giving buyers peace of mind from day one. Located in the gated Ruby Lake community in Southeast Winter Haven, just minutes from convenient access to shopping, dining, Publix, Walmart, Legoland, and Hwy 27 for an easy commute.

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The essentials

Built
2000
Price / sqft
$188
On market
189 days
Annual tax
$4,453
HOA
$850/yr
Flood zone
X · Low risk
Lot
10,624 sqft
Type
Single Family Residence

At a glance

Single family
Built 2000
2 car garage
Driveway
10,624 sqft lot
Lot size
1,914 sqft
Living area

Payment

Est. monthly payment
$2,494/mo
Down payment (20%)
$71,800
Property taxes
$371/mo
HOA
$850/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2000
Lot
10,624 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway
Days on Market
189
Ceiling Fans(s)
High Ceilings
Kitchen/Family Room Combo
L Dining
Living Room/Dining Room Combo
Split Bedroom
Thermostat
Walk-in Closet(s)
Lighting
Private Mailbox
Sidewalk
Deed Restrictions
Gated Community - No Guard
Street Lights
Dishwasher
Electric Water Heater
Microwave
Range
Refrigerator
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.

Flood Zone X
Annual Tax (2025)
$4,453
Parcel #
27-29-07-856603-000210

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
10,624 sqft
In CountyLandscapedPaved
HOA
$850/yr
Don Asher & Associates | Michellette Ramos

Price history

Date
Event
Price
9/15/2026
Price change
Source: Stellar MLS #P4938379
$359,000-2.7%
$188/sqft
-
Price change
Source: Stellar MLS #P4938379
$369,000-1.6%
$193/sqft
4/8/2026
Listed for sale
Source: Stellar MLS #P4938379
$375,000
$196/sqft

Neighborhood

131 Ruby Lake Dr
Winter Haven, FL, 33884 · 33884 - Winter Haven / Cypress Gardens

Market insights

Offer Insights

Choose an offer strength

List price: $359,000
$357,500 – $359,000
99.5% – 100% of listTops out right at the list price
80% of listList price
224 of the last 355 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 189 after a $16,000 cut.

Sample: 355 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
$2,494/mo
Principal & interest$1,872
Property taxes$371
Insurance$180
HOA$71
Down payment20% · $71,800
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

$359,000

$188 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,914 sq ft

Time on market

189 days

Year built

2000

Monthly payment

About $2,494/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,453 annual tax bill, insurance, and the $850/yr HOA fee.

HOA fee

$850/yr

Managed by Don Asher & Associates | 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 bySTAR REALTY OF WINTER HAVENListing agent: CarLee MarchettiListing data from Stellar MLS, MLS# P4938379.

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