Back on Market - Buyer Financing Fell Through! This move-in ready home is priced BELOW its recent Appraised Value, giving the next buyer instant equity and a head start. With the Appraisal already Complete and in hand, you can enjoy a smoother, faster closing. Welcome to Ruby Lake, a highly desirable gated community in Winter Haven! This updated 3BR/2BA home offers the best of Florida living with a resort-style saltwater pool and expansive paver patio, perfect for entertaining. Inside, enjoy an open layout with raised ceilings, upgraded Pergo Outlast floors, crown molding, and a cozy fireplace. Fresh paint, a vinyl privacy fence, and energy-efficient 3M UV-tinted windows add comfort, style, and savings. Ruby Lake residents also enjoy relaxation ponds, lake views, street lights and matching mailboxes and well-kept open grounds ideal for walks with pets on a leash. Ideally located near Legoland, shopping, dining, and major highways. Beautifully maintained, and priced to sell—don’t miss this opportunity! This home qualifies for major financing incentives! Combined with the recnet dip in mortgage rates, this hone is more affordable than ever!
Sold for $398,900 on 10/17/25
$398,900
316 Ruby Lake Loop, Winter Haven, FL 33884
3beds
1,805sqft
Single Family Residence
Built in 1998
9,912 Square Feet Lot
$397,600 Zestimate®
$221/sqft
$2,040 Estimated rent
Home value
$397,600
$370,000 - $429,000
$2,040/mo
Zestimate® history
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What's special
Zillow last checked: 8 hours ago
Listing updated: October 18, 2025 at 07:23am
Listing Provided by:
Jeremy Harper, PA 863-288-0886,
LOKATION 954-545-5583
Bought with:
Jill Lingenfelter, 3470663
CENTURY 21 MYERS REALTY
Source: Stellar MLS,MLS#: O6337182
Originating MLS: Orlando Regional
Originating MLS: Orlando Regional
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Primary bedroom
- Description: Room7
- Features: No Closet
- Level: First
- Area: 255 Square Feet
- Dimensions: 17x15
Bedroom 2
- Description: Room9
- Features: Ceiling Fan(s), Built-in Closet
- Level: First
- Area: 132 Square Feet
- Dimensions: 12x11
Bedroom 3
- Description: Room10
- Features: Built-in Closet
- Level: First
- Area: 121 Square Feet
- Dimensions: 11x11
Primary bathroom
- Description: Room8
- Features: Dual Sinks, Exhaust Fan, Water Closet/Priv Toilet, Built-in Closet
- Level: First
- Area: 121 Square Feet
- Dimensions: 11x11
Bathroom 2
- Description: Room11
- Features: Exhaust Fan, Tub With Shower, Built-in Closet
- Level: First
- Area: 55 Square Feet
- Dimensions: 11x5
Dining room
- Description: Room3
- Features: Bar, Bath w Spa/Hydro Massage Tub, No Closet
- Level: First
- Area: 121 Square Feet
- Dimensions: 11x11
Family room
- Description: Room5
- Features: Ceiling Fan(s), No Closet
- Level: First
Foyer
- Description: Room1
- Features: No Closet
- Level: First
- Area: 55 Square Feet
- Dimensions: 11x5
Kitchen
- Description: Room4
- Features: Breakfast Bar, Kitchen Island, No Closet
- Level: First
Living room
- Description: Room2
- Features: No Closet
- Level: First
- Area: 154 Square Feet
- Dimensions: 11x14
Utility room
- Description: Room6
- Features: No Closet
- Level: First
- Area: 42 Square Feet
- Dimensions: 7x6
Heating
- Central, Electric
Cooling
- Central Air
Appliances
- Included: Convection Oven, Dishwasher, Disposal, Electric Water Heater, Microwave, Range, Range Hood, Refrigerator
- Laundry: Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
Features
- Attic Ventilator, Ceiling Fan(s), Crown Molding, Eating Space In Kitchen, High Ceilings, In Wall Pest System, Kitchen/Family Room Combo, Open Floorplan, Primary Bedroom Main Floor, Split Bedroom, Thermostat, Tray Ceiling(s), Walk-In Closet(s)
- Flooring: Laminate
- Doors: Sliding Doors
- Windows: Blinds, Drapes, Tinted Windows, Window Treatments
- Has fireplace: Yes
- Fireplace features: Family Room, Wood Burning
Interior area
- Total structure area: 2,434
- Total interior livable area: 1,805 sqft
Property
Parking
- Total spaces: 2
- Parking features: Driveway, Garage Door Opener
- Attached garage spaces: 2
- Has uncovered spaces: Yes
Features
- Levels: One
- Stories: 1
- Patio & porch: Covered, Deck, Front Porch, Patio, Rear Porch
- Exterior features: Irrigation System, Private Mailbox, Sprinkler Metered
- Has private pool: Yes
- Pool features: Auto Cleaner, Chlorine Free, Deck, Gunite, In Ground, Lighting, Pool Alarm, Pool Sweep, Salt Water, Self Cleaning, Tile
- Fencing: Vinyl
- Has view: Yes
- View description: Pool
- Waterfront features: Lake
Lot
- Size: 9,912 sqft
- Dimensions: 82.6' x 120'
- Features: City Lot, Landscaped, Level
- Residential vegetation: Mature Landscaping, Trees/Landscaped
Details
- Parcel number: 272907855604000720
- Zoning: RESIDENTIAL
- Special conditions: None
- Horse amenities: None
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Florida,Ranch,Traditional
- Property subtype: Single Family Residence
Materials
- Block, Stucco
- Foundation: Slab
- Roof: Shingle
Condition
- Completed
- New construction: No
- Year built: 1998
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
- Utilities for property: BB/HS Internet Available, Cable Available, Electricity Connected, Fire Hydrant, Phone Available, Sewer Connected, Sprinkler Meter, Street Lights, Underground Utilities, Water Connected
Community & neighborhood
Security
- Security features: Gated Community, Smoke Detector(s)
Community
- Community features: Lake, Buyer Approval Required, Deed Restrictions, Dog Park, Gated Community - No Guard
Location
- Region: Winter Haven
- Subdivision: RUBY LAKE PHASE 3
HOA & financial
HOA
- Has HOA: Yes
- HOA fee: $71 monthly
- Services included: Common Area Taxes, Private Road
- Association name: Michellette Ramos
- Association phone: 407-483-1301
Other fees
- Pet fee: $0 monthly
Other financial information
- Total actual rent: 0
Other
Other facts
- Listing terms: Cash,Conventional,FHA,Other,VA Loan
- Ownership: Fee Simple
- Road surface type: Paved, Asphalt
Price history
| Date | Event | Price |
|---|---|---|
| 10/17/2025 | Sold | $398,900-0.3%$221/sqft |
Source:  Stellar MLS #O6337182 | ||
| 10/8/2025 | Pending sale | $399,900$222/sqft |
Source: Stellar MLS #O6337182 | ||
| 9/26/2025 | Listed for sale | $399,900$222/sqft |
Source: Stellar MLS #O6337182 | ||
| 9/16/2025 | Pending sale | $399,900$222/sqft |
Source: Stellar MLS #O6337182 | ||
| 9/3/2025 | Listed for sale | $399,900$222/sqft |
Source: Stellar MLS #O6337182 | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $3,115 +24.6% | $209,422 +19.5% |
| 2023 | $2,500 +3.2% | $175,223 +3% |
| 2022 | $2,423 +0% | $170,119 +3% |
Find assessor info on the county website
Neighborhood: 33884
Nearby schools
GreatSchools rating
- 5/10Chain Of Lakes Elementary SchoolGrades: PK-5Distance: 2 mi
- 3/10Denison Middle SchoolGrades: 6-8Distance: 4.9 mi
- 2/10Lake Region High SchoolGrades: 9-12Distance: 5.5 mi
Schools provided by the listing agent
- Elementary: Chain O Lakes Elem
- Middle: Denison Middle
- High: Lake Region High
Source: Stellar MLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
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Estimated market value
$397,600
Get a cash offer in 3 minutes
Find out how much your home could sell for in as little as 3 minutes with a no-obligation cash offer.
Estimated market value
$397,600