238 RUBY LAKE LANE, Winter Haven, FL, 33884 | $789,000

A truly wonderful lifestyle! Nestled in the charming, gated community of Ruby Lake, this beautiful 4-bedroom, 3-bath pool home provides the perfect blend of elegance and comfort. Known for being two of the most sought-after lakes for water skiing and fishing, Ruby Lake and Lake Bess are connected by a canal allowing for plenty of space for all water activities. Both feature slalom courses and jump ramps, delivering high excitement and endless entertainment! Perched on gentle elevation, this property boasts breathtaking sunsets and lush scenery, while also offering some of the best views in this quaint and walkable neighborhood. The elegant entryway leads to the formal living and dining area, with spectacular views of the pool and lake. High ceilings throughout the home, enter the open-concept kitchen, breakfast area, and family room that also showcase the incredible views through an abundance of windows. Savor the gentle breezes flowing through open windows and doors at the back of the home, as the calming sounds of the pool waterfall invite you to unwind. The spacious kitchen features plenty of cabinets, solid surface countertops, a generously sized closet pantry, and a welcoming layout, making it easy for everyone to participate in gatherings. The Main Bedroom serves as a private retreat offering the same stunning pool and lake views, featuring high ceilings, two walk-in closets, and a luxurious en-suite bath with a shower, tub, and dual vanities. A true split floor plan featuring spacious and inviting 2nd and 3rd bedrooms, with generously sized closets, wonderful views and a nicely appointed guest bath in between each. The 4th bedroom is currently being used as an office and is conveniently located near the full pool bath allowing privacy for the whole family and guests. The backyard is a true oasis, boasting a screened-in pool, an outdoor kitchen added in 2016, a relaxing sandy beach area, lush gardens, a dock with a boat lift built in 2020, and irrigation conveniently sourced from the lake. The dock also features a cozy sitting area, perfect for enjoying sunsets or catching the Legoland fireworks. Both the front and back yards create a tropical paradise, filled with majestic Palms, Oaks, Crepe Myrtles, and exotic plants that provide a park-like setting, reduce energy costs, and enhance the serene beauty. Park the car, step into the kitchen from the oversized two-car garage and enjoy the convenience of a spacious laundry room with storage just steps away. The large driveway offers plenty of space for family and guest parking. Relax with peace of mind knowing the roof was updated in 2022, the HVAC in 2020, and the water heater is newer. Enjoy this wonderful community and its proximity to all things Central Florida to include nearby theme parks, the Winter Haven Chain of Lakes, known as the "Water Ski Capital of the World", local shopping and restaurants and nearby beaches. Come home to this truly delightful and serene retreat—call today to schedule your private showing!

Features

  • Amenities: Gated
  • Rooms: 9
  • Bedrooms: 4
  • Baths: 3 full
  • Lot Size: 90 x 195
  • Laundry: Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
  • Year Built: 2000
  • Garage: 2-car
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 2,525
  • Acreage: 0.45
  • Lot Size: 90 x 195
  • Est. Taxes: $4,817
  • HOA Fee: $850 Annually
  • Lot Desc: Landscaped
  • View: Water
  • Elem. School: Chain O Lakes Elem
  • Middle School: Denison Middle
  • High School: Lake Region High
  • Pool: Auto Cleaner, Gunite, In Ground, Screen Enclosure
  • Pet Policy: Yes
  • Appliances: Built-In Oven, Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • MLS#: P4936774
  • Days on Market: 82 days
  • Website: https://www.raveis.com
    /prop/P4936774/238rubylakelane_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 1/21/2026 4:17:07 PM)
Listing courtesy of LOCKHART & ASSOCIATES INC   Phone: 863-293-1234

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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:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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Our Insurance Division:

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238 RUBY LAKE LANE, Winter Haven, FL, 33884

$789,000

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 $631,200 $631,200 $631,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.750% 6.125% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.371% 6.292% 5.628%
Monthly Tax Payment $401 $401 $401
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,684 $3,835 $5,116
Total Monthly Payment $4,177 $4,328 $5,609

* 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.