$235,000
1220 RUBY STREET, LAKELAND, FL 33815
Beds
3
Baths
2
Sq Ft
1,533 sq ft
Year Built
1930
Lot Size
0.25 acres
Garage
—
About This Property
Charming 3-bedroom, 2-bath bungalow located in one of Lakeland’s historic districts, offering classic character and flexibility for either owner occupancy or investment. The home features hardwood flooring throughout much of the interior, built-in architectural details, updated lighting, granite countertops, and wood cabinetry. Outdoor features include a screened front porch, side patio, and fenced backyard. Roof replaced by the previous owner in 2016. Currently vacant and conveniently located just minutes from Downtown Lakeland, Bonnet Springs Park, shopping, dining, and easy access to I-4.
Property Overview
Interior Features
Exterior & Lot
Utilities
Parking
HOA & Community
Financial Details
Schools
Directions
W on Main St to Central Ave, S on Central and Right to Ruby
Location
1220 RUBY STREET, LAKELAND, FL 33815
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$235,000
Loan Term
Nearby Schools
How to Buy This Home
Multiple financing options available for this $235,000 home in LAKELAND.
🏛️
FHA Loan
$8,225 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
$11,750 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 27, 2026.