3686 PLYMOUTH DRIVE, Winter Haven, FL, 33884 | $369,900

One or more photo(s) has been virtually staged. This spacious 4-bedroom, 3-bath home is located in the desirable 55+ gated community of Traditions at Ruby Lake. Upon entering, you’re greeted by a charming screened-in front porch.

The open-concept floor plan features both a formal living room and a great room, with low-maintenance solid surface flooring throughout the main living areas. The great room showcases oversized glass sliding doors that seamlessly blend indoor and outdoor living.

The gourmet kitchen offers 42" upper cabinetry with brushed nickel hardware and crown molding trim. The center island is accented with granite countertops and pendant lighting, while the upgraded stainless steel appliance package includes a Bosch dishwasher. Additional conveniences such as pull-out shelving, a closet pantry, and recessed lighting ensure a well-equipped culinary space. A delightful breakfast nook with built-ins and large windows provides beautiful views of the patio, perfect for casual dining.

The primary bedroom suite is generously sized, featuring vaulted ceilings and a walk-in closet. The primary bathroom offers a comfort-height vanity with double sinks, a linen closet, water closet, and a handicap-accessible walk-in shower with a glass enclosure.

Three spacious guest bedrooms and two additional bathrooms accommodate visitors with ease. Bathroom #3 features a premium walk-in tub with body jets and an overhead shower—designed to promote comfort, safety, and independence.

Step outside to your private oasis, where outdoor entertaining is effortless on the paved patio or within the screened lanai.

Additional features include: Formal dining room, Laundry room with washer, dryer, utility sink, and cabinetry, Welcoming foyer with transom window, Double-pane Low-E windows, Keyless entry smart lock and Ring doorbell, Irrigation system, Paved walkway and driveway, AO Smith hybrid water heater, Owens Corning architectural shingle roof (2023) with extended warranty, Gutters, water softener system, in-wall pest system and Exterior carriage lighting.

The 3-car garage includes smart garage door openers, overhead storage racks, a workbench, remote-controlled ceiling fan, refrigerator, additional electrical outlets, and retractable garage door screens.

Traditions at Ruby Lake provides an exceptional array of amenities, including a lakefront clubhouse, dock and boat ramp, heated swimming pool and spa, ballroom, billiards, meeting rooms, library, computer room, craft room, dog park, tennis and pickleball courts, basketball, bocce ball, shuffleboard, fitness center, aerobics studio, and more.

Conveniently located near shopping, restaurants, LegoLand and major routes, this home offers an exceptional and carefree lifestyle. The monthly HOA fee covers exterior house painting, cable, internet, lawn service, and access to clubhouse amenities—ensuring a truly worry-free living experience.

Golf cart included in the sale!

Features

  • Amenities: Basketball Court, Cable TV, Clubhouse, Fitness Center, Gated, Lobby Key Required, Pickleball Court(s), Pool, Recreation Facilities, Shuffleboard Court, Spa/Hot Tub, Tennis Court(s), Trail(s)
  • Rooms: 15
  • Bedrooms: 4
  • Baths: 3 full
  • Laundry: Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
  • Style: Traditional
  • Year Built: 2015
  • Garage: 3-car Driveway, Garage Door Opener, Oversized
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 2,404
  • Acreage: 0.17
  • Est. Taxes: $3,398
  • HOA Fee: $485 Monthly
  • Lot Desc: Landscaped, Level
  • View: Garden
  • Adult Communities: Yes
  • Pet Policy: Yes
  • Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer, Water Filtration System
  • MLS#: P4936787
  • Days on Market: 178 days
  • Website: https://www.raveis.com
    /prop/P4936787/3686plymouthdrive_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 5/27/2026 4:12:56 AM)

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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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Our Insurance Division:

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3686 PLYMOUTH DRIVE, Winter Haven, FL, 33884

$369,900

The Gulf Coast Group

Sales Associates

William Raveis Real Estate

Phone: 224.595.5611

GulfCoastGroup@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 $295,920 $295,920 $295,920
Term 360 months 360 months 180 months
Initial Interest Rate** 6.125% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.424% 6.628% 5.933%
Monthly Tax Payment $283 $283 $283
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,798 $1,868 $2,457
Total Monthly Payment $2,156 $2,226 $2,815

* 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.