3836 SADDLE HILL TRAIL, FRUITLAND PARK, FL, 34731
Active102 days on marketListed Apr 25, 2026MLS #G5111458
About this home
3836 SADDLE HILL TRAIL
Welcome to Waycross, a spacious and thoughtfully designed four-bedroom, three-bath home with a three-car garage, located in the new Saddle Hill community in Fruitland Park. From the inviting covered front porch to the wide, welcoming foyer, this home offers a seamless blend of comfort and functionality. The open-concept layout features expansive main living areas, where the family room, kitchen, and breakfast area flow together effortlessly—ideal for everyday living and entertaining. The kitchen showcases a large breakfast bar, walk-in pantry, quartz countertops, bright white cabinetry, stainless steel appliances, modern tile backsplash, and matte black hardware. A separate dining area provides additional space for formal or casual gatherings. French doors open to a covered outdoor kitchen, extending the living space and creating an ideal setting for outdoor relaxation or entertaining. A dedicated media room offers flexible space for a home theater, game room, or additional living area. The primary suite is located at the rear of the home for added privacy and features a spacious bedroom, spa-inspired bathroom with soaking tub, walk-in shower, and a large walk-in closet. Secondary bedrooms are well-positioned to provide comfort and flexibility for family or guests. Saddle Hill offers a peaceful, tree-lined setting while remaining conveniently close to shopping, dining, recreation, and everyday amenities. Enjoy nearby Lake Griffin, local golf courses, and the charm of surrounding communities.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,389
Sqft
0.68 ac
Lot size
3
Garage
2026
Year built
One
Levels
$221
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.
$4,663 /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
$4,663/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
−4.8%
$/sqft vs Fruitland Park actives
$221 vs $187
Days on market
102 vs 34 typical
Where $221/sqft sits among the 71 Fruitland Park 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 Fruitland Park
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Fruitland Park. See the full Fruitland Park guide →
FRUITLAND PARK 34731 — neighborhood snapshot
Population
12,239
Median age
48.7
Median income
$63,329
Median home value
$185,900
Avg household
2.4
Households w/ children
978
For the school run
Lake County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Fruitland Park market
$345K → $385K
Fruitland Park median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
31 of 71
Fruitland Park actives have cut their price
Median sold price, Fruitland Park, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 142% above the FRUITLAND PARK 34731 median. See the full Fruitland Park market guide →
Paper trail
This home's history
Reality check
What actually sold near 3836 SADDLE HILL TRAIL
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$635,000
4114 DOVE VALLEY LANE
4 bd · 3 ba · 3,060 sqft · $208/sqft · 385 DOM
Sold · Apr ’26$535,000
4353 EMMAUS ROAD
4 bd · 2 ba · 3,051 sqft · $175/sqft · 6 DOM
Sold · Feb ’26$1,400,000
3493 EDWARDS ROAD
4 bd · 4 ba · 3,854 sqft · $363/sqft · 8 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 3836 SADDLE HILL TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3836 SADDLE HILL TRAIL — 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
3836 SADDLE HILL TRAIL FAQs
What would the monthly payment be for 3836 SADDLE HILL TRAIL?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,663/mo — principal and interest, the actual property-tax bill, the $125/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 3836 SADDLE HILL TRAIL?+
The association fee works out to $125 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3836 SADDLE HILL TRAIL?+
The most recent tax bill on record (2025) was $605. 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 3836 SADDLE HILL TRAIL?+
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 Fruitland Park?+
At $749,900, this home is listed about 119% above the Fruitland Park median of $341,950. The market section on this page shows how the area is trending.
Which schools are assigned to 3836 SADDLE HILL TRAIL?+
Fruitland Park Elementary School (elementary), Carver Middle School (middle), Leesburg High School (high) — Lake County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of WATSON REALTY CORP · Beth Stoothoff. MLS #G5111458.
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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