344 RUBY LAKE LOOP, WINTER HAVEN, FL, 33884
Active9 days on marketListed Aug 25, 2026MLS #S5156261
About this home
344 RUBY LAKE LOOP
Welcome to 344 Ruby Lake Loop, a stunning 4-bedroom, 2-bath home offering 2,215 square feet of living space on a lush 10,411-square-foot lot. Nestled on a quiet street in Ruby Lake, one of Southeast Polk County’s most desirable gated communities, this beautifully renovated home is move-in ready. The triple-split floor plan offers spacious, open living areas with high ceilings, tray ceilings, crown molding, and abundant natural light. The modern open kitchen features granite countertops, wood cabinetry, stainless steel appliances, generous workspace, and an easy flow into the family room—perfect for everyday living and entertaining. The spacious primary suite includes walk-in closets and a large ensuite bathroom. Additional features include ceramic tile and luxury vinyl flooring, generously sized bedrooms, an interior laundry room, a two-car garage, and a covered rear porch overlooking the large backyard. Conveniently located in Southeast Winter Haven near shopping, dining, medical facilities, area lakes, and LEGOLAND Florida Resort. Schedule your private showing today and discover everything this exceptional Ruby Lake home has to offer!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,215
Sqft
0.24 ac
Lot size
2
Garage
1998
Year built
One
Levels
$194
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$3,358 /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
$3,358/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. 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.
vs edgeAI estimate
+28.6%
$/sqft vs Winter Haven actives
$194 vs $169
Days on market
9 vs 48 typical
Where $194/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
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
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
$283K → $280K
Winter Haven median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
212 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 53% above the WINTER HAVEN 33884 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 344 RUBY LAKE LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$465,000
349 RUBY LAKE LOOP · same community
4 bd · 3 ba · 2,374 sqft · $196/sqft · 159 DOM
Sold · Jul ’26$484,900
335 RUBY LAKE LOOP · same community
4 bd · 3 ba · 2,406 sqft · $202/sqft · 7 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
Gianfranco Di Flumeri
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 344 RUBY LAKE LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 344 RUBY LAKE LOOP — before you fall in love.
See it in person
Schedule a tour
Live availability from Gianfranco's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
344 RUBY LAKE LOOP FAQs
What would the monthly payment be for 344 RUBY LAKE LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,358/mo — principal and interest, the actual property-tax bill, the $71/mo association fee 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.
How much are the HOA fees at 344 RUBY LAKE LOOP?+
The association fee works out to $71 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 344 RUBY LAKE LOOP?+
The most recent tax bill on record (2025) was $4,941. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 344 RUBY LAKE LOOP?+
The listing reports pets: Yes. 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 $429,000, this home is listed about 51% above the Winter Haven median of $285,000. The market section on this page shows how the area is trending.
Which schools are assigned to 344 RUBY LAKE LOOP?+
Chain Of Lakes Elementary School (elementary), Lake Region High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 MYERS REALTY · Brenda Brooks. MLS #S5156261.
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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