$1,150,000
SOLD MAY 14, 2025
4 Beds
4.5 Baths
5,861 Sq Ft
1.06 Acres

Recently Sold

$196 Per Sq Ft

23% Below List Price

230 Days on Market

Highlights

  • Boathouse
  • 80 Feet of Lake Waterfront
  • Covered Boat Lift
  • Freedom 7 Elementary School of International Studies Rated A-
  • Dock has access to electricity and water
  • Cabana

About This Home

As of May 2025

SOUTHERN COLONIAL ARCHITECTURE | QUAINT GATED COMMUNITY | PRIME RUBY LAKE FRONTAGE | GRAND SCALE BOTH INSIDE & OUT | TIMELESS ELEGANCE & APPEAL! Located in the quaint gated community of Lake Rubywood, this impressive property is situated on a prime 1-acre lakefront lot along the shores of private Lake Ruby, with access to a second lake, Lake Bess. Renowned for excellent water skiing and fishing, this serene location offers low-traffic waters perfect for enjoying waterfront activities without the crowds. A landscaped circular drive leads to this elegant traditional-style home, featuring an impressive front facade with soaring pillars, meticulously maintained grounds, and an expansive lot that envelops this executive-level residence. Inside, the home boasts over 5,800 sqft of spacious living area, including 4 full bedrooms, 4.5 baths, a ground-floor primary suite, in-law quarters, a dedicated office, formal living and dining areas, an upstairs bonus room, and distinctive architectural elements throughout. The grand foyer opens to reveal stunning hardwood floors, a beautifully handcrafted wood staircase, and an elegant chandelier that bathes the entry in light. The huge family room features 20' high ceilings, a wood-burning fireplace, a wet bar, and expansive arched windows that perfectly frame the waterfront setting. The well-appointed kitchen is designed with the entertainer in mind, featuring solid surface and granite counters, a center prep/serving island with a second sink, a nook, and an extended breakfast bar. An elegant formal dining room, complete with a built-in serving buffet, awaits special occasions and holiday dinners, offering ample space for family and guests. The expansive lake view owner's suite, located on the ground floor, includes a sitting area, two huge walk-in closets, and an en-suite bath with a walk-in shower, jetted tub, and two vanities. The executive office offers privacy for working from home, featuring rich wood flooring and custom cabinetry. The second floor hosts two generously sized bedrooms, each with easy bathroom access and ample closet space. You'll also find a large bonus room overlooking the lake, ideal for a playroom, theater, or second living room. A lower-level bedroom, complete with an attached bathroom, walk-in closet, private entry, and access to the pool area, makes the perfect in-law suite. Outside, a paradise awaits with a screen-enclosed porch, a beautiful 15x31 pool with a spa and gazebo. Enjoy tranquil morning sunrises over the lake and welcome shade in the afternoons. The fenced backyard and dock complete the lakefront setting, offering great waters for skiing, boating, and fishing. Additional features include an inside laundry, a 3-car garage, a circular driveway, lake-fed irrigation, and more. This exceptional property provides the best of lakefront living in a serene community. Winter Haven offers a charming small-town feel with proximity to major cities. Positioned between Tampa and Orlando, residents enjoy easy commutes, access to airports, premier medical facilities, shopping, dining, and more. Come discover this Central Florida lakefront paradise!

Last Agent to Sell the Property

Michael Stone

THE STONES REAL ESTATE FIRM Brokerage Phone: 863-412-2080 License #3103005 Listed on: 07/24/2024

Co-Listed By

Deanna Stone

THE STONES REAL ESTATE FIRM Brokerage Phone: 863-412-2080 License #678978

Last Buyer's Agent

Stellar Non-Member Agent

STELLAR NON-MEMBER OFFICE

STELLAR NON-MEMBER OFFICE

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $13,891

Year Built

  • Built in 1998

Lot Details

  • 1.06 Acre Lot
  • 80 Feet of Lake Waterfront
  • Lake Front
  • West Facing Home
  • Chain Link Fence
  • Mature Landscaping
  • Oversized Lot
  • Irrigation Equipment
  • Landscaped with Trees

HOA Fees

  • $146 Monthly HOA Fees

Parking

  • 3 Car Attached Garage
  • Side Facing Garage
  • Garage Door Opener
  • Circular Driveway

Property Views

  • Lake
  • Pool

Home Design

  • Traditional Architecture
  • Tri-Level Property
  • Slab Foundation
  • Frame Construction
  • Tile Roof
  • Concrete Roof
  • Block Exterior
  • Stucco

Interior Spaces

  • 5,861 Sq Ft Home
  • High Ceiling
  • Ceiling Fan
  • Double Pane Windows
  • French Doors
  • Family Room with Fireplace
  • Separate Formal Living Room
  • Formal Dining Room
  • Bonus Room
  • Inside Utility
  • Finished Basement
  • Interior Basement Entry

Kitchen

  • Eat-In Kitchen
  • Dinette
  • Built-In Oven
  • Cooktop
  • Dishwasher
  • Solid Surface Countertops

Flooring

  • Engineered Wood
  • Ceramic Tile

Bedrooms and Bathrooms

  • 4 Bedrooms
  • Primary Bedroom on Main
  • Split Bedroom Floorplan
  • En-Suite Bathroom
  • Walk-In Closet
  • In-Law or Guest Suite
  • Split Vanities
  • Hydromassage or Jetted Bathtub
  • Bathtub With Separate Shower Stall

Laundry

  • Laundry Room
  • Dryer
  • Washer

Pool

  • Cabana
  • Heated In Ground Pool
  • Gunite Pool
  • Heated Spa
  • In Ground Spa

Outdoor Features

  • Access To Lake
  • Water Skiing Allowed
  • Covered Boat Lift
  • Boathouse
  • Dock has access to electricity and water
  • Dock made with wood
  • Dock made with Composite Material
  • Screened Patio
  • Rear Porch

Schools

  • Chain O Lakes Elementary School
  • Denison Middle School
  • Lake Region High School

Utilities

  • Central Heating and Cooling System
  • Propane
  • Electric Water Heater
  • Septic Tank

Listing and Financial Details

Community Details

Overview

  • Kate Morris Association, Phone Number (863) 662-9824
  • Lake Rubywood Subdivision
  • The community has rules related to deed restrictions, vehicle restrictions

Security

  • Gated Community

Home Details

Home Type

Single Family

Est. Annual Taxes

$13,891

Year Built

Built in 1998

Lot Details

0

HOA Fees

$146 per month

Parking

3

Listing Details

  • Property Type: Residential
  • Property Condition: Completed
  • Property Sub Type: Single Family Residence
  • Architectural Style: Traditional
  • Construction Materials: Block, Stucco, Frame
  • Fireplace: Yes
  • Living Area: 5861
  • Lot Size Acres: 1.06
  • New Construction: No
  • Year Built: 1998
  • Building Area Total: 7332
  • Lot Size Sq Ft: 46134
  • Status: Sold
  • Co List Office Mls Id: MFR25502586
  • Co List Office Phone: 863-412-2080
  • Ownership: Fee Simple
  • Building Area Total Srch Sq M: 681.16
  • Escrow City: Winter Haven
  • Escrow State: FL
  • Escrow Street Name: Magnolia Ave SW
  • Minimum Lease: 6 Months
  • RATIO Current Price By Calculate: 196.21
  • Total Acreage: 1 to less than 2
  • Water Access YN: 1
  • MFR_InLawSuiteYN: 1
  • MFR_DockDescription: Dock - Composite,Dock - Wood,Dock w/Electric,Dock w/Water Supply
  • MFR_DockYN: 1
  • MFR_InLawSuiteDescription: 1 Bathroom,1 Bedroom,Attached,Private Entrance
  • Attribution Contact: 863-412-2080
  • Tax Year: 2023
  • Special Features: VirtualTour

Interior Features

  • Fireplace Features: Family Room
  • Living Area Units: Square Feet
  • Flooring: Ceramic Tile, Hardwood, Wood
  • Full Bathrooms: 4
  • Half Bathrooms: 1
  • Interior Amenities: Ceiling Fans(s), Eat-in Kitchen, High Ceilings, Primary Bedroom Main Floor, Solid Surface Counters, Split Bedroom, Walk-In Closet(s)
  • Appliances Included: Built-In Oven, Cooktop, Dishwasher, Dryer, Electric Water Heater, Refrigerator, Washer
  • Foundation Details: Basement, Slab
  • Total Bedrooms: 4
  • Levels: Three Or More
  • Other Equipment: Irrigation Equipment
  • Spa Features: Heated, In Ground
  • Spa Yn: Yes
  • Window Features: Double Pane Windows
  • Has Basement: Finished, Interior Entry
  • Additional Rooms: Bonus Room,Family Room,Formal Dining Room Separate,Formal Living Room Separate,Inside Utility,Interior In-Law Suite w/Private Entry
  • Living Area Meters: 544.50

Exterior Features

  • Direction Faces: West
  • Other Structures: Boat House, Cabana
  • Pool Features: Gunite, Heated, In Ground
  • Exterior Features: French Doors
  • Roof: Concrete, Tile
  • Pool Private: Yes
  • View: Pool, Water
  • Water Body Name: LAKE RUBY
  • Waterfront: Yes
  • Patio and Porch Features: Rear Porch, Screened
  • Road Surface Type: Paved
  • Water Access: Lake
  • Water Extras: Boathouse,Lift - Covered,Skiing Allowed
  • Water View: Lake
  • Water View YN: 1
  • Waterfront Feet Total: 80
  • Flood Zone Panel: 12105C0535H
  • Water Frontage Feet Lake: 80
  • Additional Water Information: Two Lake Chain - Connects to Lake Bess

Garage/Parking

  • Attached Garage: Yes
  • Carport Y N: No
  • Garage Spaces: 3
  • Garage Yn: Yes
  • Parking Features: Circular Driveway, Driveway, Garage Door Opener, Garage Faces Side

Utilities

  • Utilities: Electricity Connected, Propane, Water Connected
  • Cooling: Central Air
  • Heating: Central, Electric
  • Laundry Features: Inside, Laundry Room
  • Sewer: Septic Tank
  • Water Source: Public

Condo/Co-op/Association

  • Community Features: Deed Restrictions, Gated Community - No Guard
  • Association Amenities: Gated, Vehicle Restrictions
  • Association Fee: 1750
  • Association Fee Frequency: Annually
  • Association Name: Kate Morris
  • Phone: 863-662-9824
  • Association: Yes
  • Security: Gated Community
  • Senior Community: No
  • Association 2 YN: 0
  • Association Approval Required YN: 0
  • Pet Restrictions: Must contact the HOA directly to confirm all pet rules and restrictions.
  • Association Fee Requirement: Required
  • Association Email: kmo3397739@aol.com

Fee Information

  • Total Annual Fees: 1750.00
  • Total Monthly Fees: 145.83
  • Monthly HOA Amount: 145.83

Schools

  • Elementary School: Chain O Lakes Elem
  • High School: Lake Region High
  • Middle Or Junior School: Denison Middle

Lot Info

  • Parcel Number: 26-29-12-687509-000040
  • Additional Parcels: No
  • Fencing: Chain Link
  • Lot Features: In County, Landscaped, Oversized Lot, Paved
  • Flood Zone Code: X

Rental Info

  • Pets Allowed: Yes
  • Lease Restrictions YN: 1
  • Additional Lease Restrictions: Must contact the HOA directly to confirm all leasing rules and restrictions.

Tax Info

  • Tax Annual Amount: 13891
  • Tax Book Number: 92-49
  • Tax Lot: 4

Multi Family

  • Waterfront Features: Lake Front

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Jul 24, 2024
Closed on
May 14, 2025
Sold by
Cruz Jose G
Bought by
Sealy Ashley E and Sealy Ross E
Seller's Agent
Michael Stone
THE STONES REAL ESTATE FIRM
Buyer's Agent
Stellar Non-Member Agent
STELLAR NON-MEMBER OFFICE
List Price
$1,499,000
Sold Price
$1,150,000
Premium/Discount to List
-$349,000
-23.28%
Views
215
Current Estimated Value
$1,198,032

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$48,032
Avg. Annual Appreciation
6.60%
Original Mortgage
$805,000
Outstanding Balance
$801,770
Interest Rate
6%
Mortgage Type
New Conventional
Estimated Equity
$396,262

Purchase Details

Closed on
Sep 30, 2016
Sold by
Saterbo Stephen and Saterbo Cynthia
Bought by
Cruz Jose G and Cruz Tiffany C

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$700,000
Interest Rate
3.43%

Purchase Details

Closed on
Sep 27, 1995
Sold by
Wright Steven Randal and Wright Cheri Johnson
Bought by
Saterbo Stephen and Saterbo Cynthia

Purchase Details

Closed on
Jul 28, 1995
Sold by
Campbell Dev Co Inc Winter Haven
Bought by
Wright Steven Randal and Wright Cheri Johnson
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Purchase History

Date Type Sale Price Title Company
Warranty Deed $1,150,000 None Listed On Document
Warranty Deed $1,150,000 None Listed On Document
Warranty Deed $925,000 Integrity First Title Llc
Warranty Deed $72,000 --
Warranty Deed $58,700 --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $805,000 New Conventional
Closed $805,000 New Conventional
Previous Owner $700,000 No Value Available
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft
05/14/2025 05/14/25 Sold $1,150,000 -10.9% $196 / Sq Ft
03/12/2025 03/12/25 Pending -- -- --
01/03/2025 01/03/25 Price Changed $1,290,000 -7.8% $220 / Sq Ft
09/18/2024 09/18/24 Price Changed $1,399,000 -3.5% $239 / Sq Ft
08/20/2024 08/20/24 Price Changed $1,450,000 -3.3% $247 / Sq Ft
07/24/2024 07/24/24 For Sale $1,499,000 -- $256 / Sq Ft
Source: Stellar MLS

Tax History Compared to Growth

Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $14,675 $1,050,634 $294,168 $756,466
2024 $13,891 $1,067,951 $294,168 $773,783
2023 $13,891 $1,001,579 $294,168 $707,411
2022 $14,181 $995,454 $0 $0
2021 $13,146 $904,958 $269,654 $635,304
2020 $12,857 $878,974 $257,397 $621,577
2018 $12,676 $876,575 $245,140 $631,435
2017 $11,086 $726,965 $0 $0
2016 $9,376 $599,227 $0 $0
2015 $8,670 $564,309 $0 $0
2014 $8,052 $513,008 $0 $0
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Stellar MLS

MLS Number: P4931279

Stellar MLS

APN: 26-29-12-687509-000040