108 Campbell DRIVE, Winter Haven, FL, 33884 | $1,290,000

Discover timeless charm in this stunning lakefront residence 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!

Features

  • Amenities: Gated, Vehicle Restrictions
  • Rooms: 13
  • Bedrooms: 4
  • Baths: 4 full / 1 half
  • Laundry: Inside, Laundry Room
  • Style: Traditional
  • Year Built: 1998
  • Garage: 3-car Circular Driveway, Driveway, Garage Door Opener, Garage Faces Side
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 5,861
  • Acreage: 1.06
  • Est. Taxes: $13,891
  • HOA Fee: $1,750 Annually
  • Lot Desc: In County, Landscaped, Oversized Lot
  • View: Pool, Water
  • Elem. School: Chain O Lakes Elem
  • Middle School: Denison Middle
  • High School: Lake Region High
  • Pool: Gunite, Heated, In Ground
  • Pet Policy: Yes
  • Appliances: Built-In Oven, Cooktop, Dishwasher, Dryer, Electric Water Heater, Refrigerator, Washer
  • MLS#: P4931279
  • Days on Market: 162 days
  • Website: https://www.raveis.com
    /eprop/P4931279/108campbelldrive_winterhaven_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 1/5/2025 10:17:07 PM)
Listing courtesy of THE STONES REAL ESTATE FIRM   Phone: 863-412-2080

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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108 Campbell DRIVE, Winter Haven, FL, 33884

$1,290,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $1,032,000 $1,032,000 $1,032,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.750% 6.625% 6.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 7.532% 6.723% 6.806%
Monthly Tax Payment $1,158 $1,158 $1,158
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $6,694 $6,608 $9,061
Total Monthly Payment $7,977 $7,891 $10,344

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.