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$399,900

4132 MARTINDALE LOOP, WINTER HAVEN, FL 33884

3D Tour
Active80 days on market

Beds

4

Baths

3

Sq Ft

1,894 sq ft

Year Built

2008

Lot Size

0.19 acres

Garage

2

About This Property

Welcome to this beautifully maintained, energy-efficient 4-bedroom, 3-bath home in the highly desirable Traditions at Ruby Lake, a premier 55+ gated community offering the very best of Florida resort-style living. Situated on an oversized lot, this exceptional home features a desirable split floor plan Jack and Jill bathroom w/ walk-in tub and soaring high ceilings that create a bright, open, and spacious feel throughout. Thoughtfully upgraded for both comfort and efficiency, the home offers a spacious, expanded screened lanai with brick pavers—the perfect outdoor retreat for entertaining or enjoying a quiet evening—enhanced by customizable LED lighting to create the ideal ambiance. Energy-saving features include foam-core insulation in the concrete block walls, new Andersen windows, and a freshly painted exterior. Inside, you'll find hardwood flooring in the primary bedroom and front bedroom, which also makes an ideal home office. The kitchen is beautifully appointed with custom cabinetry, granite countertops, slate stainless steel appliances, and abundant storage. Custom maple shelving in the pantry, laundry room, and both linen closets adds both elegance and functionality. The primary bath also features granite countertops, completing the home's high-quality finishes. Designed for comfortable everyday living and effortless entertaining, this home offers generous living spaces that provide both privacy and flexibility for family and guests. HOA dues provide exceptional value and include weekly lawn and landscape maintenance, Spectrum TV service, and exterior house painting every seven years. Residents also enjoy full access to the community's impressive lakefront clubhouse, featuring a resort-style pool and spa, sauna, showers, a fully equipped fitness center, staffed front desk, library, business center, billiards room, craft room, and a spacious ballroom that hosts meetings, dances, entertainment, guest speakers, clubs, and social events. Outdoor amenities are equally impressive and include tennis, basketball, bocce ball, shuffleboard, pickleball, three community boat docks, a picturesque lakeside gazebo, and a paved walking path along the lake—perfect for morning strolls or evening exercise. If you're looking for a move-in-ready home with exceptional upgrades, low-maintenance living, and an active, resort-style lifestyle, this is the one you won't want to miss!

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #L4963446
StatusActive
Year Built2008
Stories1
Total Rooms11
ConstructionBlock, Stucco
RoofShingle
FoundationSlab
FacesSouthwest
SubdivisionTRADITIONS PH 02
CountyPolk
OwnershipFee Simple
FurnishedNegotiable

Interior Features

InteriorCathedral Ceiling(s), Eating Space In Kitchen, Kitchen/Family Room Combo, L Dining, Open Floorplan, Solid Surface Counters, Solid Wood Cabinets, Thermostat, Window Treatments
FlooringCeramic Tile
AppliancesDishwasher, Disposal, Electric Water Heater, Microwave, Range, Refrigerator
LaundryInside, Laundry Room
CoolingCentral Air
HeatingCentral, Heat Pump
SecurityGated Community, Security Gate, Security Lights, Security System, Security System Owned, Smoke Detector(s)

Exterior & Lot

ExteriorIrrigation System, Sliding Doors
Lot Size0.19 acres (8,481 sq ft)
Road SurfaceAsphalt
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesCable Connected, Electricity Connected, Public, Sewer Connected, Underground Utilities, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes
HOA Fee$484 / Monthly
Senior CommunityYes

Financial Details

List Price$399,900
Annual Taxes$2,936 (2025)
FinancingCash, Conventional, FHA, Lease Purchase, Owner May Carry, VA Loan
Parcel #262913687554001600

Directions

From Rt. 27 take Thompson Nursery Rd. west to right turn into Traditions main gate. Follow Traditions Blvd. to left on Grenville Rd, to right on Raleigh, to right on Martindale Loop. House is at the top on the right.

Location

4132 MARTINDALE LOOP, WINTER HAVEN, FL 33884

Listing Information

OfficeTRADE WINDS REALTY
ListedJuly 18, 2026

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Preferred Time

Scheduling is free, and you can cancel anytime.

Home Price

$399,900

20% ($79,980)
6.75%

Loan Term

Principal & Interest$2,075
Property Tax (est.)$367
Insurance (est.)$150
Total Monthly$2,592
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How to Buy This Home

Multiple financing options available for this $399,900 home in WINTER HAVEN.

🏛️

FHA Loan

$13,997 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$19,995 Down

Traditional financing. As low as 3-5% down with good credit.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Polk County SHIP

Varies

Income-qualifying Polk residents

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.

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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. IDX information is provided exclusively 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. Data last updated: August 17, 2026.

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