220 RUBY LAKE LANE, Winter Haven, FL, 33884 | $799,900

Welcome to this beautifully upgraded lakefront home nestled inside a private gated community, offering 2, 705 square feet of thoughtfully designed living space. Perfectly positioned on scenic Lake Ruby, which connects to Lake Bess, this west-facing property delivers breathtaking sunset views that can be enjoyed daily from your own backyard. Inside, the home features a stunning, oversized living room with cathedral ceilings and expansive views of the water—creating a bright, open atmosphere that truly feels like the heart of the home. The home boasts sliding glass doors that fully retract, inviting in cool breezes during the milder months. These sliders have been freshly tinted, along with the bath door, for added privacy and energy efficiency. Step outside to your private oasis where the recently remodeled pool and professionally leveled pavers provide a clean, modern look. The screened-in pool area also features a covered patio—perfect for relaxing or enjoying meals outdoors rain or shine. Additional exterior upgrades include 22 all new windows and screens, a lanai screen roof on the west side upper screens, lanai fans, solar exhaust attic fans, dock lights, dock power, and a boat lift motor with decking at the bow. The entire exterior has been enhanced with fresh flowers, and the north path walkway has been updated alongside the pool lite timer. The lanai also includes a separate 220 volt outlet to accommodate a hot tub. Entertaining is effortless with a convenient pool bathroom, allowing guests to shower or refresh without entering the main home—thanks to the new shower diverter in the master and fully upgraded plumbing, including all faucets (3 bathrooms, kitchen, and garage), toilet innards, and a new guest toilet. A cozy wood burning fireplace adds warmth and charm, while the overall condition of the home reflects true pride of ownership—impeccably maintained and move-in ready. Interior finishes include fresh interior paint, crown molding, electronic door locks on all 3 exterior doors, an electronic garage door lock, in-wall medicine cabinets, kitchen backsplash, pantry can closet, anti-skid tiles & garage floor, regrouted all bath wall tiles, and slider rollers & rebalance. Built-in cabinets in the living room have been removed for a more open feel, and the floor in the TV room has been updated. The home also features new smoke detectors throughout. Electrical upgrades are extensive: new lighting in the halls, bath, and garage, washer & dryer, master closet, dock lights, generator outlet, generator cutoff, additional lanai power, dock power, pool lite timer, and more. The HVAC system has been enhanced with an added garage AC split system, blown insulation, solar exhaust attic fans, and an insulated garage door. The garage offers exceptional versatility with its own AC split unit, insulated garage door, garage door springs, electronic garage door lock, and upgraded LED lighting, making it ideal for a workshop, home gym, or additional functional space. Additional thoughtful touches include all outside hose bibs x4, the main drain “Roto Rootered”, pool fill line. The property features lake-fed irrigation, removed lake grass and lake rocks for a clean, polished waterfront appearance. This home combines luxury, comfort, and functionality in a serene waterfront setting—an exceptional opportunity to enjoy Florida living at its finest. You'll also be able to enjoy the fireworks from LegoLand and Disney is only 30 miles away.

Features

  • Rooms: 8
  • Bedrooms: 4
  • Baths: 3 full
  • Lot Size: 95 x 178
  • Laundry: Inside
  • Year Built: 2001
  • Garage: 2-car
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 2,705
  • Acreage: 0.42
  • Lot Size: 95 x 178
  • Est. Taxes: $7,665
  • HOA Fee: $850 Annually
  • View: Water
  • Water Front: Yes
  • Pool: In Ground
  • Pet Policy: Yes
  • Appliances: Convection Oven, Dishwasher, Refrigerator
  • MLS#: P4938358
  • Days on Market: 9 days
  • Website: https://www.raveis.com
    /prop/P4938358/220rubylakelane_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 4/20/2026 7:32:10 AM)
Listing courtesy of LA ROSA REALTY PRESTIGE   Phone: 863-940-4850

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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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220 RUBY LAKE LANE, Winter Haven, FL, 33884

$799,900

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 $639,920 $639,920 $639,920
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.125% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.357% 6.304% 5.648%
Monthly Tax Payment $639 $639 $639
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,785 $3,888 $5,186
Total Monthly Payment $4,516 $4,619 $5,917

* 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.