349 RUBY LAKE LOOP, Winter Haven, FL, 33884 | $469,000

Under contract-accepting backup offers. Tucked away at the end of a quiet street in the gated, golf cart–friendly community of Ruby Lakes, this 4-bedroom, 3-bath beauty is all about relaxed Florida living. From the long driveway and two-car garage to the lush, well-kept landscaping, this home gives you that “welcome home” feeling from the very start.

Step through the double front doors and into a bright, open layout that flows beautifully from room to room. Just off the entry, the formal dining room—with its coffered ceiling and sunshine-filled windows—sets the stage for gatherings. The front living area, with tile flooring and sliding glass doors, opens right up to the pool, making indoor-outdoor living a breeze.

At the heart of the home, the kitchen and family room create the perfect hangout spot. The kitchen features solid wood cabinetry, stone countertops, stainless steel appliances, a roomy pantry, and a casual breakfast bar. A cozy nook overlooks the pool, while the family room shines with built-in cabinetry, stone accents, and a rustic brick feature wall that adds warmth and personality.

The primary suite is its own retreat—sliding doors open directly to the pool deck, and the en-suite bath provides dual vanities, a garden tub, and a walk-in shower. The three additional bedrooms are just as comfortable, each with double-door closets, ceiling fans, and soft carpet. With a dedicated pool bath and a full guest bath, the layout is as practical as it is inviting.

Outside, the covered patio is made for lazy afternoons and weekend cookouts. With peaceful views of the pool and backyard, plus a ceiling fan to keep things cool, you’ll want to spend plenty of time out here. The home also includes a laundry room with storage cabinets and a utility sink to keep everything organized.

And don’t forget—you’re in Ruby Lakes, where life moves at a laid-back pace. Cruise around the gated neighborhood by foot, car, or even golf cart, and enjoy the peace of mind that comes with quiet security.

If you’re looking for comfort, style, and a lifestyle that feels like vacation, this is the one. Let’s set up a tour—you’ll want to see it in person!

Features

  • Amenities: Gated
  • Rooms: 10
  • Bedrooms: 4
  • Baths: 3 full
  • Laundry: Inside
  • Style: Other
  • Year Built: 1998
  • Garage: 2-car Driveway, Garage Door Opener
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 2,374
  • Acreage: 0.38
  • Est. Taxes: $7,082
  • HOA Fee: $425 Semi-Annually
  • Lot Desc: Corner Lot, Landscaped
  • Elem. School: Chain O Lakes Elem
  • Middle School: Denison Middle
  • High School: Lake Region High
  • Pool: In Ground, Lighting, Outside Bath Access, Screen Enclosure
  • Pet Policy: Yes
  • Appliances: Dishwasher, Disposal, Microwave, Range, Refrigerator
  • MLS#: L4955628
  • Days on Market: 159 days
  • Website: https://www.raveis.com
    /prop/L4955628/349rubylakeloop_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 3/21/2026 12:37:51 PM)
Listing courtesy of EXP REALTY LLC   Phone: 888-883-8509

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

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349 RUBY LAKE LOOP, Winter Haven, FL, 33884

$469,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $375,200 $375,200 $375,200
Term 360 months 360 months 180 months
Initial Interest Rate** 6.000% 6.375% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.395% 6.520% 5.900%
Monthly Tax Payment $590 $590 $590
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,250 $2,341 $3,091
Total Monthly Payment $2,915 $3,006 $3,756

* 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.