Eric Chery
$650,000$825,0003 bd2.5 ba2,795 sqft$233 /sqft$5,094 /mo all-in ↓

5056 RUBY FLATS DRIVE, WIMAUMA, FL, 33598

Active108 days on marketListed Apr 2, 2026MLS #TB8492996

Reduced $175KWaterfrontPrivate poolSingle Family ResidenceVALENCIA LAKES

About this home

5056 RUBY FLATS DRIVE

Some homes offer beautiful views. Others offer an exceptional lifestyle. This remarkable residence in the 55+ Valencia Lakes delivers both. Perfectly positioned on one of the community's most desirable pie-shaped waterfront homesites, this south-facing property captures panoramic lake views while overlooking the vibrant community center. Its ideal orientation creates the perfect balance—allowing the pool and lanai to enjoy sunshine throughout the day while helping the interior remain naturally comfortable with limited direct afternoon sun. A beautifully maintained tile roof, paver driveway, and charming tropical courtyard create an inviting first impression. Step inside and your attention is immediately drawn beyond the expansive living spaces to sparkling water views and the spectacular screened lanai, where a sport-style pool becomes the centerpiece of everyday living and entertaining. Designed with both comfort and privacy in mind, this thoughtfully planned residence offers two spacious bedroom suites, two-and-a-half baths, and a versatile den. The split-bedroom floor plan provides privacy for owners and guests alike, while the open-concept design creates an effortless flow between the kitchen, dining area, and great room. Triple tray ceilings, crown molding, upgraded lighting, and custom built-ins add timeless character throughout. The kitchen serves as the heart of the home, offering abundant upgraded cabinetry with custom pull-out storage, built-in double ovens, generous workspace, and a sunny breakfast nook overlooking the lake—a peaceful setting to begin each morning. Just outside, a propane hookup makes grilling and outdoor dining both convenient and enjoyable. Privately situated at the rear of the home, the owner's retreat embraces the waterfront setting with beautiful lake views, direct access to the lanai, and dual custom walk-in closets. The spacious en-suite bath features separate vanities, a dedicated makeup station, and an expansive wall of mirrors that enhances the light-filled space. Across the home, the guest suite offers its own private bath, creating an ideal retreat for family and friends. The flexible den easily serves as a home office, hobby room, fitness space, or potential third bedroom. Life in Valencia Lakes extends far beyond your front door. Residents enjoy a resort-inspired lifestyle centered around a spectacular 40,000-square-foot clubhouse and 40-acre waterfront recreation complex featuring resort and lap pools, tennis, pickleball, bocce, basketball, a state-of-the-art fitness center, dog park, baseball field, community garden, and RV and boat storage. More than 100 acres of preserved natural landscape provide scenic beauty and abundant wildlife, while hundreds of clubs, social events, and activities foster an active, welcoming community. An on-site café serving breakfast, lunch, dinner, and seasonal specials adds another level of convenience to everyday living. Ideally located with easy access to Tampa, St. Petersburg, Sarasota, championship golf, shopping, dining, and Tampa International Airport, this exceptional home offers far more than a place to live—it offers one of Valencia Lakes' premier waterfront settings, a thoughtfully designed floor plan, and the opportunity to enjoy one of Florida's most sought-after 55+ resort communities.

Facts & features

The home at a glance

3

Bedrooms

2.5

Bathrooms

2,795

Sqft

0.2 ac

Lot size

2

Garage

2007

Year built

One

Levels

$233

Per sqft

Private poolWaterfrontFireplacePool & Water viewPartially55+ communityPets allowed

Inside

FlooringCarpet · Ceramic Tile
AppliancesBuilt-In Oven · Dishwasher · Disposal · Electric Water Heater · Microwave · Range Hood · Refrigerator
InteriorCeiling Fan(s) · Crown Molding · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Split Bedroom · Tray Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric
FurnishedPartially

Outside & construction

RoofTile
ConstructionBlock · Stucco
FoundationSlab
ViewPool · Water
FacesNorth
ParkingDriveway · Garage Door Opener
ExteriorCourtyard · Private Mailbox · Sidewalk · Sliding Doors

Community & fees

HOA fee$590/mo
Taxes (2025)$7,110/yr
PetsYes
CommunityBuyer Approval Required · Clubhouse · Deed Restrictions · Fitness Center · Gated Community - Guard · Golf Carts OK · Golf · Handicap Modified · Park · Pool · Restaurant · Sidewalks · Tennis Court(s) · Wheelchair Access

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Fire Hydrant · Phone Available · Propane · Public · Sewer Connected · Underground Utilities · Water Connected
WaterPublic

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.

$5,094 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,507
PMI (est., until 20% equity)$244
Property tax — 2025 actual bill$593
HOA fee — from the listing$590
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $65,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $65,000
Interest rate6.00%
Loan term

Estimated payment

$5,094/mo

Principal & interest$3,507
PMI (est., until 20% equity)$244
Property taxes (actual bill)$593
HOA / condo fee$590
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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.

List $650K
$525KedgeAI estimate $608,883 · range $547K$610K$676K

vs edgeAI estimate

+6.8%

$/sqft vs Wimauma actives

$233 vs $183

Days on market

108 vs 44 typical

Where $233/sqft sits among the 272 Wimauma actives

85
92
56
17 · this home
3
19
$137–168$168–199$199–230$230–261$261–292$292+

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 Wimauma

Map of 5056 RUBY FLATS DRIVE

Drive times from this address

Downtown Tampa35 min
Tampa Int’l Airport (TPA)50 min

Get to know Wimauma. See the full Wimauma guide →

WIMAUMA 33598 — neighborhood snapshot

Population

29,119

Median age

35.8

Median income

$91,649

Median home value

$352,800

Avg household

3.1

Households w/ children

3,648

For the school run

Hillsborough County School District

ElementaryWimauma Elementary School★★★★★
MiddleShields Middle School★★★★
HighLennard High School★★★★★
ElementaryPatricia Sullivan Metropolitan Ministries Partnership School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Wimauma market

Seller’s marketBalanced5.1 months of inventoryBuyer’s market

$369K$362K

Wimauma median sold, yr/yr

98.6%

Sale-to-list ratio (12 mo)

148 of 272

Wimauma actives have cut their price

Median sold price, Wimauma, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 86% above the WIMAUMA 33598 median. See the full Wimauma market guide →

Paper trail

This home's history

CurrentPrice reduced to $650,000 $175K
Apr 2, 2026Listed at $825,000 · 108 days on market since
2007Built · VALENCIA LAKES

Reality check

What actually sold near 5056 RUBY FLATS DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

5004 SANDY BROOK CIRCLESold · Dec ’25

$385,000

5004 SANDY BROOK CIRCLE · same community

3 bd · 3 ba · 2,409 sqft · $160/sqft · 5 DOM

4908 GRAND BANKS DRIVESold · Jun ’26

$440,000

4908 GRAND BANKS DRIVE · same community

3 bd · 2.5 ba · 2,268 sqft · $194/sqft · 68 DOM

4821 GRAND BANKS DRIVESold · May ’26

$445,000

4821 GRAND BANKS DRIVE · same community

3 bd · 2.5 ba · 2,268 sqft · $196/sqft · 346 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.

Eric Chery

Your agent

Eric Chery

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 5056 RUBY FLATS DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 5056 RUBY FLATS DRIVE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Eric's phone and CRM.

Goes straight to Eric’s phone and CRM.

Straight answers

5056 RUBY FLATS DRIVE FAQs

What would the monthly payment be for 5056 RUBY FLATS DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,094/mo — principal and interest, the actual property-tax bill, the $590/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 5056 RUBY FLATS DRIVE?+

The association fee works out to $590 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 5056 RUBY FLATS DRIVE?+

The most recent tax bill on record (2025) was $7,110. 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 5056 RUBY FLATS DRIVE?+

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 Wimauma?+

At $650,000, this home is listed about 76% above the Wimauma median of $370,000. The market section on this page shows how the area is trending.

Which schools are assigned to 5056 RUBY FLATS DRIVE?+

Wimauma Elementary School (elementary), Shields Middle School (middle), Lennard High School (high), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.

The brief

Five things that matter here

01Positioned at the premium end

$650,000 runs 86% above the WIMAUMA 33598 median — but at 2,795 sqft it's also 37% larger than the typical Wimauma listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Know the monthly fee

The association fee is $590/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.

04Time on market is leverage

108 days on market against a Wimauma median of 44 — sellers in this position are usually ready to negotiate.

05The price has already moved

Listed at $825,000, now $650,000 — a $175K cut. The full history is in the market section below.

Listing courtesy of KELLER WILLIAMS SOUTH TAMPA · Brenda Wade. MLS #TB8492996.

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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