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344 Ruby Lake Loop, Winter Haven, FL, 33884

$194/sqft·Ruby Lake Ph 02

4 bd2 ba2,215 sqft2 car garageSingle Family
Listed by CENTURY 21 MYERS REALTY· Last updated · MLS# S5156261

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

Est. monthly payment
$2,899/mo
Down payment (20%)
$85,800
Property taxes
$412/mo
HOA
$425/yr
Rate assumed
6.8% · 30 yr
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At a glance

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

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 $429,000 (about $194/sqft), 0 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $425 semi-annually.

From the listing

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
$194
On market
17 days
Annual tax
$4,941
HOA
$425/yr
Flood zone
X · Low risk
Lot
10,411 sqft
Type
Single Family Residence

Location

344 Ruby Lake Loop
Winter Haven, FL, 33884·33884 - Winter Haven / Cypress Gardens
Type
Single Family Residence
Year Built
1998
Lot
10,411 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
17
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 fileFlood 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
Date
Event
Price
8/25/2026
Listed for sale
Source: Stellar MLS #S5156261
$429,000
$194/sqft
Est. monthly payment$2,899/mo
Principal & interest$2,237
Property taxes$412
Insurance$215
HOA$35
Down payment20% · $85,800
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

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List price: $429,000
$427,500 – $429,000
99.5% – 100% of listTops out right at the list price
80% of listList price
156 of the last 247 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 17.

Sample: 247 closed home sales in 33884 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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