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131 Ruby Lake Dr, Winter Haven, FL, 33884

$193/sqft·Ruby Lake Ph 01

3 bd2 ba1,914 sqft2 car garageSingle Family
Listed by STAR REALTY OF WINTER HAVEN· Last updated · MLS# P4938379

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

Est. monthly payment
$2,550/mo
Down payment (20%)
$73,800
Property taxes
$371/mo
HOA
$850/yr
Rate assumed
6.8% · 30 yr
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At a glance

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

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 $369,000 (about $193/sqft), 84 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.

The essentials

Built
2000
Price / sqft
$193
On market
156 days
Annual tax
$4,453
HOA
$850/yr
Flood zone
X · Low risk
Lot
10,624 sqft
Type
Single Family Residence

Location

131 Ruby Lake Dr
Winter Haven, FL, 33884·33884 - Winter Haven / Cypress Gardens
Type
Single Family Residence
Year Built
2000
Lot
10,624 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway
Days on Market
156
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
Sliding Doors
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
Date
Event
Price
6/17/2026
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
Est. monthly payment$2,551/mo
Principal & interest$1,924
Property taxes$371
Insurance$185
HOA$71
Down payment20% · $73,800
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 is the fee 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.

Offer Insights

Choose an offer strength

List price: $369,000
$367,500 – $369,000
99.5% – 100% of listTops out right at the list price
80% of listList price
161 of the last 252 home closings in 33884 landed at this number or higher (64%). The median one sat 40 days before it went under contract, and this one is on day 156 after a $6,000 cut.

Sample: 252 closed home sales in 33884 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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