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About this home
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.
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!
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The essentials
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Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
Price history
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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.
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