4098 RUBY RUN, HAINES CITY, FL, 33844
Active169 days on marketListed Feb 2, 2026MLS #S5142723
About this home
4098 RUBY RUN
Beautiful 4-bedroom, 2-bath home offering a combination of comfort and functionality. The property features 1,626 square feet of living space with an open floor plan that efficiently connects the living, dining, and kitchen areas. The kitchen is equipped with quartz countertops, stainless steel appliances, a spacious pantry, and included window blinds. Laminate flooring extends throughout the main living areas, providing durability and a modern aesthetic. The primary suite offers a comfortable and private retreat. The additional bedrooms are well laid out to provide functionality and versatility. The property includes a large, fully fenced backyard, suitable for outdoor activities, along with a screened rear porch, allowing enjoyment of Florida’s climate year-round. Conveniently located near shopping, dining, theme parks, and major roadways, this home provides easy access to everything Haines City and Davenport.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,626
Sqft
0.13 ac
Lot size
2
Garage
2021
Year built
One
Levels
$191
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,648 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,648/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+2.6%
$/sqft vs Haines City actives
$191 vs $175
Days on market
169 vs 36 typical
Where $191/sqft sits among the 400 Haines City actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Haines City
Get to know Haines City. See the full Haines City guide →
The numbers that matter
The Haines City market
$311K → $320K
Haines City median sold, yr/yr
98.5%
Sale-to-list ratio (12 mo)
187 of 400
Haines City actives have cut their price
Median sold price, Haines City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 2% below the Haines City median. See the full Haines City market guide →
Paper trail
This home's history
Reality check
What actually sold near 4098 RUBY RUN
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$307,500
4501 HUMMINGBIRD LANE · same community
3 bd · 2 ba · 1,566 sqft · $196/sqft · 76 DOM
Sold · Nov ’25$295,000
4505 HUMMINGBIRD LANE · same community
3 bd · 2 ba · 1,542 sqft · $191/sqft · 99 DOM
Sold · Aug ’25$365,000
4518 HUMMINGBIRD LANE · same community
4 bd · 2 ba · 1,802 sqft · $203/sqft · 112 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4098 RUBY RUN — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4098 RUBY RUN — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
4098 RUBY RUN FAQs
What would the monthly payment be for 4098 RUBY RUN?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,648/mo — principal and interest, the actual property-tax bill, the $8/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 4098 RUBY RUN?+
The association fee works out to $8 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4098 RUBY RUN?+
The most recent tax bill on record (2025) was $6,211. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 4098 RUBY RUN?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Haines City?+
At $310,000, this home is listed about 2% below the Haines City median of $314,900. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Gioconda Arevalo. MLS #S5142723.
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 is deemed reliable but is not guaranteed accurate by Stellar MLS.
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