
5056 RUBY FLATS DRIVE, WIMAUMA, FL, 33598
Active108 days on marketListed Apr 2, 2026MLS #TB8492996
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
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.
$5,094 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,094/mo
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.
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
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
Drive times from this address
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Wimauma 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
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.
Sold · Dec ’25$385,000
5004 SANDY BROOK CIRCLE · same community
3 bd · 3 ba · 2,409 sqft · $160/sqft · 5 DOM
Sold · Jun ’26$440,000
4908 GRAND BANKS DRIVE · same community
3 bd · 2.5 ba · 2,268 sqft · $194/sqft · 68 DOM
Sold · 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.

Your agent
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 5056 RUBY FLATS DRIVE — start here.

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.
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.
Keep looking
Similar homes nearby
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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