236 RUBY LAKE LANE, WINTER HAVEN, FL, 33884
Active147 days on marketListed Feb 24, 2026MLS #B4902182
About this home
236 RUBY LAKE LANE
One or more photo(s) has been virtually staged. Wake up every morning to the most breath taking views imaginable. Almost every room in the home overlooks the spectacular private Lake Ruby & Lake Bess. Upon entering the home you will find yourself captivated with the spacious and luxurious open floor plan and high degree of natural light that envelops you. Besides having the exquisite view, this home also features a screened in pool and spa with lost of room to entertain. Both the pool and jacuzzi were resurfaced just a couple of years ago. The house, which was built in 2000, has many alluring features including a 3 car garage, cathedral ceilings, an extra large master suite, formal living room, and a family room with a fireplace over looking the lake. This property also features the use of you own private doc, boat house with life and a very important boat ramp since there is no public access to the lake. Please note: the rental includes $300 toward electric and $100 toward the water bill each month. An additional overages will be du by the lessee, Nature calls to those who enjoy water as fishing, boating, and skiing are outstanding on clean Ruby Lake, Some of the best views are from this home. Since it is connected to Lake Bess there are also two slalom courses nearby. The Ruby Lake community is gated an is also close to shopping and restaurants. Hwy 27 is only about 2 miles away. It is only 1 mile to Legoland. After enjoying all of the daily activities this property and nearby attractions, the home offers the night time sunsets that are gorgeous and a wonderful way to end the day. Both Tampa International and Orlando International airports are close by
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,266
Sqft
0.52 ac
Lot size
3
Garage
2000
Year built
One
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$193 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$193/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Winter Haven actives
$2 vs $171
Days on market
147 vs 42 typical
Where $2/sqft sits among the 400 Winter Haven actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Winter Haven
Get to know Winter Haven. See the full Winter Haven guide →
WINTER HAVEN 33884 — neighborhood snapshot
Population
36,395
Median age
45.3
Median income
$70,516
Median home value
$269,400
Avg household
2.58
Households w/ children
3,777
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Winter Haven market
$285K → $287K
Winter Haven median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
200 of 400
Winter Haven actives have cut their price
Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 98% below the WINTER HAVEN 33884 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 236 RUBY LAKE LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$350,000
4080 SABLE LOOP DRIVE
3 bd · 2 ba · 2,295 sqft · $153/sqft · 52 DOM
Sold · Oct ’25$280,000
159 CLOVERDALE ROAD
4 bd · 2 ba · 2,301 sqft · $122/sqft · 121 DOM
Sold · May ’26$356,000
4191 ABERDEEN LANE
3 bd · 2 ba · 2,229 sqft · $160/sqft · 64 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Lacie Springstead
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 236 RUBY LAKE LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 236 RUBY LAKE LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Lacie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
236 RUBY LAKE LANE FAQs
What would the monthly payment be for 236 RUBY LAKE LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $193/mo — principal and interest, estimated property taxes and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
Are pets allowed at 236 RUBY LAKE LANE?+
The listing reports pets: No. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Winter Haven?+
At $4,500, this home is listed about 98% below the Winter Haven median of $285,000. The market section on this page shows how the area is trending.
Which schools are assigned to 236 RUBY LAKE LANE?+
Elbert Elementary School (elementary), Winter Haven Senior High School (high), Denison Middle School (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the WINTER HAVEN 33884 market on paper
$4,500 is 98% below the WINTER HAVEN 33884 median of $286,000, and at $2/sqft it sits under the Winter Haven average of $172.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
147 days on market against a Winter Haven median of 42 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $5,000, now $4,500 — a $500 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KLINE REAL ESTATE SERVICES · Scott Kline. MLS #B4902182.
IDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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