$824,900

Estimated payment $5,067/month

Total Views 69
4 Beds
3 Baths
2,705 Sq Ft
$305 Price per Sq Ft

Highlights

  • Boathouse
  • 95 Feet of Lake Waterfront
  • Boat Lift
  • Frank E. Brigham Academy Rated 9+
  • Dock has access to electricity and water
  • Oak Trees

About This Home

Welcome to 220 Ruby Lake Lane, a stunning lakefront pool residence in the highly sought-after gated community of Ruby Lake, where modern upgrades blend effortlessly with timeless design and waterfront living. This gorgeous 4 bedroom, 3 bathroom pool home is perfectly positioned on the shores of Lake Ruby to capture breathtaking sunsets and provide endless opportunities for boating, fishing, and entertaining. Complete with a private dock, covered boat slip with lift, and direct access to Lake Ruby and Lake Bess, this property offers a true Florida lakefront lifestyle. Meticulously maintained, the home showcases numerous upgrades including new windows (2022), a new roof (2018), and a remodeled pool (2015). Inside, the thoughtfully designed open floor plan offers both elegance and functionality with formal living and dining rooms, a spacious family room, and panoramic lake views that stretch across the entire back of the home. The kitchen serves as the heart of the home with stainless appliances, a breakfast bar, tiled backsplash, a double closet pantry, a custom canned food pantry, and a charming breakfast nook framed by seamless glass windows overlooking the pool and lake. The expansive family room features vaulted ceilings with fans, a built-in media cabinet, and a wall of windows and tinted sliders that flood the space with filtered natural light while showcasing breathtaking water views. The living room is anchored by a cozy fireplace, creating a perfect backdrop for holiday gatherings, while the formal dining room offers an ideal setting for intimate dinners. The primary suite is a true retreat, offering more sweeping lake views, pool access, dual walk-in closets, and a luxurious en-suite bath with a jetted tub, walk-in shower, dual vanities, and a private water closet. The home’s triple-split bedroom layout ensures privacy, with the secondary bedrooms and bath thoughtfully placed to accommodate family and guests. Another bathroom conveniently doubles as a pool bath. The interior laundry room comes equipped with a washer and dryer. Step outside to your private paradise: a pavered, screen-enclosed lanai with a pebble-finished pool, covered lounging space, and a lighted walkway leading to your dock. With power, water, lighting, and a covered boat slip with an electric lift, the dock is fully equipped for all your lake adventures—whether it’s boating, skiing, fishing, or simply watching the mesmerizing sunsets. Evenings bring their own magic—cocktails by the pool, s’mores around the fire pit, or Legoland fireworks sparkling over the water. Additional features include a side-entry two-car garage with a mini split A/C, generator outlet, mature landscaping, fencing for privacy, and lake-fed irrigation. Lake Ruby is a pristine 259-acre lake recognized for its glassy waters ideal for skiing, outstanding bass fishing, and tranquil setting, enhanced by the absence of a public boat ramp. Within the gated community of Ruby Lake, residents enjoy meticulously maintained grounds, tranquil streets, a serene pond with park benches, and a strong sense of neighborhood pride. Ideally located, just minutes from schools, shopping, and restaurants. Winter Haven enjoys a prime Central Florida location, perfectly situated between Tampa and Orlando, with easy access to world-famous attractions and just a short drive to beaches. A rare opportunity to enjoy luxury lakefront living in a premier communitiy—don’t miss this chance to make Lake Ruby your backyard.

Listing Agent

Deanna Stone

THE STONES REAL ESTATE FIRM Brokerage Phone: 863-293-1133 License #678978 Listed on: 09/22/2025

Co-Listing Agent

Michael Stone

THE STONES REAL ESTATE FIRM Brokerage Phone: 863-293-1133 License #3103005

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $7,665

Year Built

  • Built in 2001

Lot Details

  • 0.42 Acre Lot
  • Lot Dimensions are 95x192
  • 95 Feet of Lake Waterfront
  • Lake Front
  • East Facing Home
  • Vinyl Fence
  • Mature Landscaping
  • Private Lot
  • Irrigation Equipment
  • Oak Trees

HOA Fees

  • $71 Monthly HOA Fees

Parking

  • 2 Car Attached Garage
  • Side Facing Garage
  • Garage Door Opener
  • Driveway

Home Design

  • Custom Home
  • Slab Foundation
  • Shingle Roof
  • Block Exterior
  • Stucco

Interior Spaces

  • 2,705 Sq Ft Home
  • Open Floorplan
  • Built-In Features
  • Crown Molding
  • Tray Ceiling
  • High Ceiling
  • Ceiling Fan
  • Wood Burning Fireplace
  • Double Pane Windows
  • Tinted Windows
  • Shutters
  • Blinds
  • Family Room Off Kitchen
  • Living Room with Fireplace
  • Formal Dining Room
  • Inside Utility
  • Lake Views

Kitchen

  • Eat-In Kitchen
  • Breakfast Bar
  • Walk-In Pantry
  • Range
  • Microwave
  • Dishwasher
  • Solid Wood Cabinet

Flooring

  • Wood
  • Carpet
  • Laminate
  • Tile

Bedrooms and Bathrooms

  • 4 Bedrooms
  • Primary Bedroom on Main
  • Split Bedroom Floorplan
  • En-Suite Bathroom
  • Walk-In Closet
  • 3 Full Bathrooms
  • Private Water Closet
  • Bathtub With Separate Shower Stall
  • Shower Only
  • Garden Bath

Laundry

  • Laundry Room
  • Dryer
  • Washer

Pool

  • Screened Pool
  • In Ground Pool
  • Gunite Pool
  • Fence Around Pool

Outdoor Features

  • Access To Lake
  • Water Skiing Allowed
  • Boat Lift
  • Covered Boat Lift
  • Boathouse
  • Dock has access to electricity and water
  • Covered Dock
  • Dock made with wood
  • Deeded Boat Dock
  • Covered Patio or Porch
  • Private Mailbox

Schools

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

Utilities

  • Central Heating and Cooling System
  • Electric Water Heater
  • High Speed Internet
  • Cable TV Available

Listing and Financial Details

  • Tax Lot 80
  • Assessor Parcel Number 27-29-07-856604-000800

Community Details

Overview

  • Association fees include common area taxes, private road
  • Michellette Ramos With Don Asher Association, Phone Number (407) 483-1301
  • Visit Association Website
  • Ruby Lake Ph 04 Subdivision
  • The community has rules related to deed restrictions

Security

  • Gated Community

Home Details

Home Type

Single Family

Est. Annual Taxes

$7,665

Year Built

Built in 2001

Lot Details

0

HOA Fees

$71 per month

Parking

2

Listing Details

  • HOA Fee Includes: Common Area Taxes, Private Road
  • Property Type: Residential
  • Property Sub Type: Single Family Residence
  • Architectural Style: Custom
  • Construction Materials: Block, Stucco
  • Fireplace: Yes
  • Living Area: 2705
  • Lot Size Acres: 0.42
  • New Construction: No
  • Year Built: 2001
  • Building Area Total: 3496
  • Lot Size Sq Ft: 18404
  • Directions to Property: Cypress Gardens Blvd to Ruby Lake community. Go through gate. Make a right onto Ruby Lake Ln at the 3 way stop sign. Home is a few houses down on the right.
  • Status: Active
  • Co List Office Mls Id: MFR25502586
  • Co List Office Phone: 863-412-2080
  • Ownership: Fee Simple
  • Available for Lease YN: 1
  • Escrow City: Winter Haven
  • Escrow Postal Code: 33880
  • Escrow State: FL
  • Escrow Street Name: 3rd St SW
  • Escrow Street Number: 32
  • List Office Head Office Key Nume: 172574224
  • Minimum Lease: 1-2 Years
  • RATIO Current Price By Calculate: 304.95
  • Total Acreage: 1/4 to less than 1/2
  • Unit Number YN: 0
  • Water Access YN: 1
  • MFR_InLawSuiteYN: 0
  • MFR_DockDescription: Dock - Covered,Dock - Slip Deeded On-Site,Dock - Wood,Dock w/Electric,Dock w/Water Supply,Lift
  • MFR_DockYN: 1
  • Attribution Contact: 863-293-1133
  • Tax Year: 2024
  • Special Features: None

Interior Features

  • Fireplace Features: Living Room, Wood Burning
  • Living Area Units: Square Feet
  • Flooring: Carpet, Hardwood, Laminate, Tile
  • Full Bathrooms: 3
  • Interior Amenities: Built-in Features, Ceiling Fans(s), Crown Molding, Eat-in Kitchen, High Ceilings, Kitchen/Family Room Combo, Open Floorplan, Primary Bedroom Main Floor, Solid Wood Cabinets, Split Bedroom, Tray Ceiling(s), Walk-In Closet(s), Window Treatments
  • Appliances Included: Dishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • Foundation Details: Slab
  • Total Bedrooms: 4
  • Levels: One
  • Other Equipment: Irrigation Equipment
  • Spa Yn: No
  • Window Features: Blinds, Double Pane Windows, Shutters, Tinted Windows
  • Street Number Modifier: 220
  • Additional Rooms: Family Room,Formal Dining Room Separate,Formal Living Room Separate,Inside Utility
  • Living Area Meters: 251.30
  • Room Count: 12

Exterior Features

  • Direction Faces: East
  • Other Structures: Boat House
  • Pool Features: Gunite, In Ground, Screen Enclosure
  • Exterior Features: Private Mailbox
  • Roof: Shingle
  • Pool Private: Yes
  • View: Water
  • Water Body Name: LAKE RUBY
  • Waterfront: Yes
  • Patio and Porch Features: Covered, Patio, Rear Porch, Screened
  • Road Surface Type: Asphalt
  • Water Access: Lake
  • Water Extras: Lift - Covered,Skiing Allowed
  • Water Extras YN: 1
  • Water View: Lake
  • Water View YN: 1
  • Waterfront Feet Total: 95
  • Flood Zone Date: 2016-12-22
  • Flood Zone Panel: 12105C0535H
  • Water Frontage Feet Lake: 95
  • Additional Water Information: Lake Ruby is connected to Lake Bess, enjoy access to both lakes.

Garage/Parking

  • Attached Garage: Yes
  • Carport Y N: No
  • Garage Spaces: 2
  • Garage Yn: Yes
  • Parking Features: Driveway, Garage Door Opener, Garage Faces Side

Utilities

  • Utilities: BB/HS Internet Available, Cable Available, Electricity Connected, Public, Sewer Connected, Water Connected
  • Cooling: Central Air
  • Heating: Central, Electric
  • Laundry Features: Electric Dryer Hookup, Inside, Laundry Room
  • Sewer: Public Sewer
  • Water Source: Public

Condo/Co-op/Association

  • Community Features: Deed Restrictions, Gated Community - No Guard
  • Association Amenities: Gated
  • Association Fee: 850
  • Association Fee Frequency: Annually
  • Association Name: Michellette Ramos with Don Asher
  • Phone: 407-483-1301
  • Association: Yes
  • Senior Community: No
  • Association 2 YN: 0
  • Association Approval Required YN: 0
  • Pet Restrictions: Household pets only. No commercial breeding.
  • Association Fee Requirement: Required
  • Association Email: Michellette@DonAsher.com
  • Association URL: RubyLake.org

Fee Information

  • Total Annual Fees: 850.00
  • Total Monthly Fees: 70.83
  • Monthly HOA Amount: 70.83

Schools

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

Lot Info

  • Parcel Number: 27-29-07-856604-000800
  • Additional Parcels: No
  • Fencing: Vinyl
  • Lot Features: City Limits, Landscaped, Paved, Private
  • Lot Dimensions: 95x192
  • Flood Zone Code: X
  • Homestead YN: 1
  • Lot Size Square Meters: 1710

Green Features

  • Green Verification Count: 0

Rental Info

  • Pets Allowed: Cats OK, Dogs OK, Yes
  • Lease Restrictions YN: 1
  • Additional Lease Restrictions: Contact Don Asher & Associates for all leasing restrictions.

Tax Info

  • Tax Annual Amount: 7665
  • Tax Book Number: 108-21 THRU 23
  • Tax Lot: 80

Multi Family

  • Waterfront Features: Lake Front

Map

Range of Values:

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Home Values in the Area

Source: Public Records

Average Home Value in this Area





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 $7,665 $465,680 -- --
2024 $7,490 $452,556 -- --
2023 $7,490 $439,375 $0 $0
2022 $7,303 $426,578 $0 $0
2021 $7,346 $414,153 $126,000 $288,153
2020 $7,319 $410,481 $120,000 $290,481
2018 $4,723 $272,866 $0 $0
2017 $4,377 $267,254 $0 $0
2016 $4,495 $261,757 $0 $0
2015 $4,392 $259,937 $0 $0
2014 $4,406 $257,874 $0 $0
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
09/22/2025 09/22/25 For Sale $824,900 +73.7% $305 / Sq Ft
12/21/2018 12/21/18 Sold $475,000 -2.9% $176 / Sq Ft
11/29/2018 11/29/18 Pending -- -- --
11/13/2018 11/13/18 Price Changed $489,000 -1.2% $181 / Sq Ft
10/23/2018 10/23/18 Price Changed $495,000 -1.0% $183 / Sq Ft
10/02/2018 10/02/18 Price Changed $499,900 -3.9% $185 / Sq Ft
09/25/2018 09/25/18 For Sale $520,000 -- $192 / Sq Ft
Source: Stellar MLS

Purchase History

Date Type Sale Price Title Company
Warranty Deed $475,000 Security National Title And
Warranty Deed $378,000 First American Title Ins Co
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $403,750 New Conventional
Previous Owner $55,000 Credit Line Revolving
Closed $293,300 No Value Available
Source: Public Records

Source: Stellar MLS

MLS Number: P4936358

Stellar MLS

APN: 27-29-07-856604-000800