344 Ruby Lake Loop, photo 1
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Overview

4 bd2 ba2,215 sqft2 car garageSingle Family
TypeSingle Family
HOA$425/yr
Built1998
Lot10,411 sqft
Living area2,215 sqft
Price / sqft$185
Garage2 car

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

About this home

Ceiling Fans(s)Open FloorplanPrimary Bedroom Main FloorTray Ceiling(s)Vaulted Ceiling(s)Walk-in Closet(s)Gated Community - No GuardDishwasher

344 Ruby Lake Loop is a 1998-built home in Ruby Lake Ph 02, Winter Haven. Inside you'll find 4 bedrooms, 2 bathrooms, and 2,215 square feet of living space. Listed at $409,000 (about $185/sqft), 47 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $425 semi-annually.

From the listing

Short Sale. Welcome to 344 Ruby Lake Loop, a stunning 4-bedroom, 2-bath home offering 2,215 square feet of living space on a lush 10,411-square-foot lot. Nestled on a quiet street in Ruby Lake, one of Southeast Polk County’s most desirable gated communities, this beautifully renovated home is move-in ready. The triple-split floor plan offers spacious, open living areas with high ceilings, tray ceilings, crown molding, and abundant natural light. The modern open kitchen features granite countertops, wood cabinetry, stainless steel appliances, generous workspace, and an easy flow into the family room—perfect for everyday living and entertaining. The spacious primary suite includes walk-in closets and a large ensuite bathroom. Additional features include ceramic tile and luxury vinyl flooring, generously sized bedrooms, an interior laundry room, a two-car garage, and a covered rear porch overlooking the large backyard. Conveniently located in Southeast Winter Haven near shopping, dining, medical facilities, area lakes, and LEGOLAND Florida Resort. Schedule your private showing today and discover everything this exceptional Ruby Lake home has to offer!

The essentials

Built
1998
Price / sqft
$185
On market
47 days
Annual tax
$4,941
HOA
$425/yr
Flood zone
X · Low risk
Lot
10,411 sqft
Type
Single Family Residence

At a glance

Single family
Built 1998
2 car garage
10,411 sqft lot
Lot size
2,215 sqft
Living area

Payment

Est. monthly payment
$2,784/mo
Down payment (20%)
$81,800
Property taxes
$412/mo
HOA
$425/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1998
Lot
10,411 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
47
Ceiling Fans(s)
Open Floorplan
Primary Bedroom Main Floor
Tray Ceiling(s)
Vaulted Ceiling(s)
Walk-in Closet(s)
Gated Community - No Guard
Dishwasher
Disposal
Electric Water Heater
Microwave
Range
Refrigerator
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$4,941
Parcel #
27-29-07-855605-000530

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 02
County
Polk
MLS Area
33884 - Winter Haven / Cypress Gardens
Lot Size
10,411 sqft
HOA
$425/yr
Ruby Lake HOA Inc Michellette Ramos

Price history

Date
Event
Price
9/18/2026
Price change
Source: Stellar MLS #S5156261
$409,000-4.7%
$185/sqft
8/25/2026
Listed for sale
Source: Stellar MLS #S5156261
$429,000
$194/sqft

Neighborhood

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

Market insights

Offer Insights

Choose an offer strength

List price: $409,000
$407,500 – $409,000
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 47 after a $20,000 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
$2,784/mo
Principal & interest$2,133
Property taxes$412
Insurance$205
HOA$35
Down payment20% · $81,800
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

$409,000

$185 per sq ft

Beds and baths

4 beds, 2 baths

Size

2,215 sq ft

Time on market

47 days

Year built

1998

Monthly payment

About $2,784/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,941 annual tax bill, insurance, and the $425/yr HOA fee.

HOA fee

$425/yr

Managed by Ruby Lake HOA 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

What should I offer?

Have another question?

Brokered byKELLER WILLIAMS REALTY SMART 1Listing agent: Brenda BrooksListing data from Stellar MLS, MLS# S5156261.

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