220 RUBY LAKE LANE, Winter Haven, FL, 33884 | $799,977

Welcome to 220 Ruby Lake Lane, a stunning lakefront pool residence in the highly sought-after gated community of Ruby Lake, where modern upgrades blend effortlessly with timeless design and waterfront living. Meticulously maintained, the home showcases numerous upgrades including new windows (2022), a new roof (2018), and a remodeled pool (2015). This gorgeous 4 bedroom, 3 bathroom pool home is perfectly positioned on the shores of Lake Ruby to capture breathtaking sunsets and provide endless opportunities for boating, fishing, and entertaining. Complete with a private dock, covered boat slip with lift, and direct access to Lake Ruby and Lake Bess, this property offers a true Florida lakefront lifestyle. Inside, the thoughtfully designed open floor plan offers both elegance and functionality with formal living and dining rooms, a spacious family room, and panoramic lake views that stretch across the entire back of the home. The kitchen serves as the heart of the home with stainless appliances, a breakfast bar, tiled backsplash, a double closet pantry, a custom canned food pantry, and a charming breakfast nook framed by seamless glass windows overlooking the pool and lake. The expansive family room features vaulted ceilings with fans, a built-in media cabinet, and a wall of windows and tinted sliders that flood the space with filtered natural light while showcasing breathtaking water views. The living room is anchored by a cozy fireplace, creating a perfect backdrop for holiday gatherings, while the formal dining room offers an ideal setting for intimate dinners. The primary suite is a true retreat, offering more sweeping lake views, pool access, dual walk-in closets, and a luxurious en-suite bath with a jetted tub, walk-in shower, dual vanities, and a private water closet. The home’s triple-split bedroom layout ensures privacy, with the secondary bedrooms and bath thoughtfully placed to accommodate family and guests. Another bathroom conveniently doubles as a pool bath. The interior laundry room comes equipped with a washer and dryer. Step outside to your private paradise: a pavered, screen-enclosed lanai with a pebble-finished pool, covered lounging space, and a lighted walkway leading to your dock. With power, water, lighting, and a covered boat slip with an electric lift, the dock is fully equipped for all your lake adventures—whether it’s boating, skiing, fishing, or simply watching the mesmerizing sunsets. Evenings bring their own magic—cocktails by the pool, s’mores around the fire pit, or Legoland fireworks sparkling over the water. Additional features include a side-entry two-car garage with a mini split A/C, generator outlet, mature landscaping, fencing for privacy, and lake-fed irrigation. Lake Ruby is a pristine 259-acre lake recognized for its glassy waters ideal for skiing, outstanding bass fishing, and tranquil setting, enhanced by the absence of a public boat ramp. Within the gated community of Ruby Lake, residents enjoy meticulously maintained grounds, tranquil streets, a serene pond with park benches, and a strong sense of neighborhood pride. Ideally located, just minutes from schools, shopping, and restaurants. Winter Haven enjoys a prime Central Florida location, perfectly situated between Tampa and Orlando, with easy access to world-famous attractions and just a short drive to beaches. A rare opportunity to enjoy luxury lakefront living in a premier community!

Features

  • Amenities: Gated
  • Rooms: 12
  • Bedrooms: 4
  • Baths: 3 full
  • Lot Size: 95 x 192
  • Laundry: Electric Dryer Hookup, Inside, Laundry Room
  • Style: Custom
  • Year Built: 2001
  • Garage: 2-car Driveway, Garage Door Opener, Garage Faces Side
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 2,705
  • Acreage: 0.42
  • Lot Size: 95 x 192
  • Est. Taxes: $7,895
  • HOA Fee: $850 Annually
  • Lot Desc: City Lot, Landscaped
  • View: Water
  • Elem. School: Chain O Lakes Elem
  • Middle School: Denison Middle
  • High School: Lake Region High
  • Pool: Gunite, In Ground, Screen Enclosure
  • Pet Policy: Cats OK, Dogs OK, Yes
  • Appliances: Dishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • MLS#: P4936358
  • Days on Market: 150 days
  • Website: https://www.raveis.com
    /prop/P4936358/220rubylakelane_winterhaven_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. (last updated 3/6/2026 12:04:08 AM)

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NMLS Mortgage Loan Originator ID 1500191

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220 RUBY LAKE LANE, Winter Haven, FL, 33884

$799,977

Person + Person

Sales Associates

William Raveis Real Estate

Phone: 978.660.0967

PersonPersonGroup@raveis.com

Kate Rockett

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 617.281.4872

Kate.Rockett@raveis.com

NMLS Mortgage Loan Originator ID 1500191

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $639,982 $639,982 $639,982
Term 360 months 360 months 180 months
Initial Interest Rate** 5.625% 6.000% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.258% 6.178% 5.628%
Monthly Tax Payment $658 $658 $658
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,684 $3,837 $5,187
Total Monthly Payment $4,434 $4,587 $5,937

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.