406 RUBY LAKE PLACE, Winter Haven, FL, 33884 | $629,000

Welcome home to Ruby Lake, an established gated neighborhood of only 214 executive homes nestled between beautiful Lake Ruby and Lake Bess in Winter Haven. Known for its peaceful setting and pride of ownership, this sought after community captures the charm of lake life. This beautifully renovated pool home has been thoughtfully updated from top to bottom and offers incredible features rarely found in this price point, including a full, private entry in-law suite and fully paid solar panels for remarkable low energy costs. Sitting on a pristine quarter acre lot, several tall palm trees and mature landscaping welcome your arrival. Once inside, you have a clear view of the sparkling pool and lush green yard beyond the double sliding glass doors, connecting indoor-outdoor living. Durable easily maintained laminate flooring flows throughout most of the home, with upgraded LVP in the in-law suite and neutral porcelain tiles at the entry and kitchen. Entirely carpet free for clean, easy living. Privately positioned at the front of the home, the primary suite serves as a quiet retreat tucked away from the main living area. The fully renovated ensuite bathroom is striking, featuring designer finishes throughout – including bohemian-inspired tile flooring, dramatic floor to ceiling shower tile, a custom shower bench and niches, matte black fixtures and a stunning arched window that fills the space with natural light. Dual vanities, a dedicated vanity space and additional overhead storage complete the bathroom. The standout feature of this home is the versatile in-law wing. With its own private entrance and driveway, spacious bedroom, full bath, personal living room with lanai access, and a full kitchen with all appliances included, this private suite offers endless possibilities. It’s ideal for extended guests, multigenerational living, or even a private retreat. The main kitchen is both stylish and functional, featuring quartzite countertops and tiled backsplash, freshly painted wood cabinetry, farm sink, stainless steel appliances and a deep built-in pantry with charming barn door access. A breakfast bar under custom pendant lights provides casual seating, while the sunny breakfast nook with built-in bench seating offers a relaxed spot to start the day. Sliders from the master, living, and family room all open to the screened lanai, showcasing beautiful pool views. The saltwater pool is surrounded by plenty extra deck space for both alfresco dining and pool side sunbathing. Outdoors, the fully fenced yard is over a quarter acre and has room to relax, play or garden. The home backs up to the neighborhood retention space, providing added privacy with no rear neighbors. Nestled in Ruby Lake, a peaceful and well-established neighborhood with no CDD and a low HOA, residents enjoy proximity to the area’s beautiful lakes while remaining centrally located between Tampa and Orlando’s shopping, dining and world-class attractions. Experience the comfort, flexibility and Florida lifestyle this exceptional home has to offer. Welcome home!

Features

  • Amenities: Gated
  • Rooms: 7
  • Bedrooms: 4
  • Baths: 3 full
  • Laundry: Inside, Laundry Room
  • Style: Ranch
  • Year Built: 1999
  • Garage: 2-car Driveway, Garage Door Opener, Guest
  • Heating: Electric, Solar
  • Cooling: Central Air
  • Approx Sq. Feet: 2,835
  • Acreage: 0.28
  • Est. Taxes: $7,328
  • HOA Fee: $425 Semi-Annually
  • Lot Desc: Sidewalk
  • Elem. School: Chain O Lakes Elem
  • Middle School: Denison Middle
  • High School: Lake Region High
  • Pool: Auto Cleaner, Gunite, In Ground, Salt Water, Screen Enclosure
  • Pet Policy: Yes
  • Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • MLS#: TB8484755
  • Days on Market: 4 days
  • Website: https://www.raveis.com
    /prop/TB8484755/406rubylakeplace_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 3/25/2026 11:54:54 PM)
Listing courtesy of FUTURE HOME REALTY INC   Phone: 813-855-4982

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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

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406 RUBY LAKE PLACE, Winter Haven, FL, 33884

$629,000

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 $503,200 $503,200 $503,200
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% 6.533% 5.900%
Monthly Tax Payment $611 $611 $611
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,017 $3,139 $4,145
Total Monthly Payment $3,720 $3,842 $4,848

* 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.