Welcome to your dream home in the gated community of Ruby Lake! This beautifully designed 3-bedroom, 2-bath Cassidy “Ox” floor plan perfectly balances elegance and everyday comfort. Step inside to discover a spacious layout featuring formal living and dining rooms, along with a generous family room—ideal for both entertaining and relaxed living. The updated kitchen is truly the heart of the home, showcasing sleek quartz countertops, a breakfast bar, closet pantry, and durable tile flooring. Retreat to the impressive primary suite, offering a large 17x15 bedroom, walk-in closet, and a spa-like en suite bath complete with soaking tub, walk-in shower, and dual vanities. Thoughtfully designed, the secondary bedroom and bath are handicap accessible with widened doorways for added ease. Enjoy Florida living year-round on the expansive 10x38 screened lanai—perfect for gatherings or quiet evenings. Additional highlights include an interior laundry room with sink, surround sound throughout, plantation shelving with ambient lighting, ceiling fans, irrigation system with separate meter, and a 2-car garage with a high-profile door. Conveniently located near shopping, dining, medical facilities, schools, and Legoland, with easy access to Tampa and Orlando—this exceptional home truly has it all. Don’t miss your opportunity to make it yours!
For sale
$415,000
357 Ruby Lake Loop, Winter Haven, FL 33884
3beds
2,107sqft
Single Family Residence
Built in 1998
10,193 Square Feet Lot
$-- Zestimate®
$197/sqft
$71/mo HOA
What's special
Breakfast barSleek quartz countertopsGenerous family roomCeiling fansImpressive primary suiteSoaking tubSpacious layout
- 103 days |
- 110 |
- 1 |
Zillow last checked:
Listing updated:
Listed by:
Steve Lockhart 863-289-9801,
LOCKHART & ASSOCIATES INC 863-293-1234,
Amy Reynolds 863-412-2279,
LOCKHART & ASSOCIATES INC
Source: Stellar MLS,MLS#: L4960449
Originating MLS: Lakeland
Originating MLS: Lakeland
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Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Rooms
- Room types: Family Room, Dining Room, Living Room, Utility Room
Primary bedroom
- Features: Ceiling Fan(s), Walk-In Closet(s)
- Level: First
- Area: 265.5 Square Feet
- Dimensions: 18x14.75
Bedroom 2
- Features: Ceiling Fan(s), Built-in Closet
- Level: First
- Area: 143.44 Square Feet
- Dimensions: 12.75x11.25
Bedroom 3
- Features: Ceiling Fan(s), Built-in Closet
- Level: First
- Area: 140.25 Square Feet
- Dimensions: 12.75x11
Dining room
- Level: First
- Area: 132.19 Square Feet
- Dimensions: 11.25x11.75
Family room
- Features: Ceiling Fan(s)
- Level: First
- Area: 210 Square Feet
- Dimensions: 15x14
Kitchen
- Features: Breakfast Bar
- Level: First
- Area: 156 Square Feet
- Dimensions: 16x9.75
Living room
- Features: Ceiling Fan(s)
- Level: First
- Area: 282.13 Square Feet
- Dimensions: 18.5x15.25
Heating
- Central, Electric
Cooling
- Central Air
Appliances
- Included: Dishwasher, Disposal, Electric Water Heater, Microwave, Range
- Laundry: Inside, Laundry Room
Features
- Ceiling Fan(s), Crown Molding, High Ceilings, Solid Surface Counters, Split Bedroom, Tray Ceiling(s), Walk-In Closet(s)
- Flooring: Carpet, Ceramic Tile, Laminate
- Doors: Sliding Doors
- Windows: Blinds
- Has fireplace: No
Interior area
- Total structure area: 2,828
- Total interior livable area: 2,107 sqft
Property
Parking
- Total spaces: 2
- Parking features: Driveway, Garage Door Opener
- Attached garage spaces: 2
- Has uncovered spaces: Yes
- Details: Garage Dimensions: 21x21
Features
- Levels: One
- Stories: 1
- Patio & porch: Rear Porch, Screened
- Exterior features: Irrigation System
Lot
- Size: 10,193 Square Feet
- Features: City Lot
Details
- Parcel number: 272907856603000080
- Special conditions: None
Construction
Type & style
- Home type: SingleFamily
- Property subtype: Single Family Residence
Materials
- Block, Stucco
- Foundation: Slab
- Roof: Shingle
Condition
- New construction: No
- Year built: 1998
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
- Utilities for property: Public
Community & HOA
Community
- Features: Deed Restrictions, Gated Community - No Guard
- Pet fee: $0 monthly
- Subdivision: RUBY LAKE PH 01
HOA
- Has HOA: Yes
- Amenities included: Gated
- Services included: Common Area Taxes, Private Road
- HOA fee: $71 monthly
- HOA name: Don Asher & Associates, Inc/Michellette Ramos
- HOA phone: 407-483-1301
Location
- Region: Winter Haven
Financial & listing details
- Price per square foot: $197/sqft
- Tax assessed value: $310,557
- Annual tax amount: $2,731
- Date on market: 3/20/2026
- Cumulative days on market: 104 days
- Listing terms: Cash,Conventional,FHA,VA Loan
- Ownership: Fee Simple
- Total actual rent: 0
- Road surface type: Paved
Estimated market value
Not available
Estimated sales range
Not available
Not available
Price history
| Date | Event | Price |
|---|---|---|
| 3/20/2026 | Listed for sale | $415,000-1%$197/sqft |
Source:  Stellar MLS #L4960449 Report a problem | ||
| 12/16/2025 | Listing removed | $419,000$199/sqft |
Source: Stellar MLS #P4935858 Report a problem | ||
| 8/8/2025 | Listed for sale | $419,000-2.3%$199/sqft |
Source: Stellar MLS #P4935858 Report a problem | ||
| 4/28/2025 | Listing removed | $429,000$204/sqft |
Source: Stellar MLS #P4932850 Report a problem | ||
| 2/26/2025 | Price change | $429,000-1.1%$204/sqft |
Source: Stellar MLS #P4932850 Report a problem | ||
| 11/26/2024 | Listed for sale | $433,900+97.9%$206/sqft |
Source: Stellar MLS #P4932850 Report a problem | ||
| 7/14/2017 | Sold | $219,300-1.6%$104/sqft |
Source: Public Record Report a problem | ||
| 5/8/2017 | Listed for sale | $222,900+61.1%$106/sqft |
Source: THE STONES REAL ESTATE FIRM #P4715500 Report a problem | ||
| 4/9/1998 | Sold | $138,400$66/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $2,731 +3.4% | $194,526 +2.9% |
| 2024 | $2,641 +3% | $189,044 +3% |
| 2023 | $2,563 -0.2% | $183,538 +3% |
| 2022 | $2,568 -0.4% | $178,192 +3% |
| 2021 | $2,578 +1.2% | $173,002 +1.4% |
| 2020 | $2,547 +0.9% | $170,613 +2.3% |
| 2019 | $2,524 | $166,777 +1.9% |
| 2018 | $2,524 +1.6% | $163,667 +11% |
| 2017 | $2,486 +22.5% | $147,396 +2.1% |
| 2016 | $2,029 -1.1% | $144,364 +0.7% |
| 2015 | $2,052 -5.4% | $143,360 +0.8% |
| 2014 | $2,170 +6.2% | $142,222 +1.5% |
| 2013 | $2,044 +32.9% | $140,120 +1.7% |
| 2012 | $1,538 -3.9% | $137,778 -2% |
| 2011 | $1,601 -0.7% | $140,547 +0.9% |
| 2010 | $1,611 -1.4% | $139,316 +2.7% |
| 2009 | $1,635 +6.6% | $135,653 +0.1% |
| 2008 | $1,534 | $135,517 |
| 2007 | -- | -- |
| 2006 | $1,821 | -- |
| 2005 | -- | -- |
| 2004 | $1,599 +2.4% | -- |
| 2003 | $1,562 +0.6% | $118,736 +2.4% |
| 2002 | $1,552 +2% | $115,953 +1.6% |
| 2001 | $1,521 | $114,127 |
Find assessor info on the county website
Monthly payment
Est. payment$--/mo
Payment breakdown
Explore the cost of this home by adjusting the details. Changes won't be saved.All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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Climate risks
Neighborhood: 33884
Nearby schools
GreatSchools rating
- 5/10Chain Of Lakes Elementary SchoolGrades: PK-5Distance: 2 mi
- 3/10Denison Middle SchoolGrades: 6-8Distance: 5.1 mi
- 2/10Lake Region High SchoolGrades: 9-12Distance: 5.6 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.
A local agent can set up tours, give advice and negotiate with sellers.
A local lender can help you make sure your offer is ready when you are.
- Florida
- Polk County
- Winter Haven
- 33884
- 357 Ruby Lake Loop
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