2 WOODRUFF WAY, LAKE WALES, FL, 33898
Active400 days on marketListed Jun 29, 2025MLS #K4902987
About this home
2 WOODRUFF WAY
MAJOR PRICE DROP! Your oasis in the sun awaits! This one bedroom, TWO bathroom home comes furnished and turnkey, and it's move-in ready. Located in the premier 55+ community of Saddlebag Lake Resort, a hidden gem in central Florida, this is a park model home. Laminate flooring throughout makes for easy cleaning and pet friendliness. The kitchen and bathrooms have solid surface counter tops. Recent upgrades include a new electrical panel, new AC duct work and fan motor (2024) and new water heater (2023). The metal roof is insulated, for maximum comfort. There's a BONUS room that can be used as an office space, craft room, etc and doubles as an inside laundry room. The Florida room at the back of the home is a welcome retreat. There are two driveways, so you'll always have a place to park. The nicely landscaped yard has a shed out back with lots of tools that stay for the new owner. You'll be living your best life with all the resort has to offer! Get to know your neighbors at the clubhouse and participate in planned activities, or take a dip in the heated community pool. Play some shuffleboard or horseshoes, or relax in the hot tub or saunas. Stay active by playing pickle ball or tennis, or chill out on the lake and go fishing. With so much to do here, you'll feel like you're on vacation every day. Even your furry family members will feel at home, with the dog park at the back of the community so they can run around to their heart's content. Don't let this get away - call now before it's gone!
Facts & features
The home at a glance
1
Bedrooms
2
Bathrooms
736
Sqft
0.14 ac
Lot size
1982
Year built
Two
Levels
$118
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.
$1,027 /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
$1,027/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.
$/sqft vs SADDLEBAG LAKE
$118 vs $155
Days on market
400 vs 56 typical
Where $118/sqft sits among the 22 homes for sale in SADDLEBAG LAKE
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 Saddlebag Lake
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lake Wales. See the full Lake Wales guide →
Saddlebag Lake — neighborhood snapshot
Population
569
Median age
68
Median income
$34,972
Median home value
$83,600
Avg household
1
Households w/ children
16%
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Lake Wales market
$275K → $275K
Lake Wales median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
10 of 22
SADDLEBAG LAKE have cut their price
Median sold price, Lake Wales, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 40% below the LAKE WALES 33898 median. See the full Lake Wales market guide →
Paper trail
This home's history
Reality check
What actually sold near 2 WOODRUFF WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$62,000
21 SADDLEBAG TRAIL S · same community
1 bd · 1.5 ba · 732 sqft · $85/sqft · 302 DOM
Sold · Mar ’26$60,000
8 RED QUILL CIRCLE · same community
1 bd · 1 ba · 730 sqft · $82/sqft · 5 DOM
Sold · Mar ’26$135,000
23 SADDLEBAG TRAIL · same community
2 bd · 2 ba · 816 sqft · $165/sqft · 142 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 2 WOODRUFF WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2 WOODRUFF WAY — 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
2 WOODRUFF WAY FAQs
What would the monthly payment be for 2 WOODRUFF WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,027/mo — principal and interest, the actual property-tax bill, the $227/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 2 WOODRUFF WAY?+
The association fee works out to $227 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2 WOODRUFF WAY?+
The most recent tax bill on record (2024) was $1,067. 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 2 WOODRUFF WAY?+
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 Lake Wales?+
At $87,000, this home is listed about 66% below the Lake Wales median of $256,490. The market section on this page shows how the area is trending.
Which schools are assigned to 2 WOODRUFF WAY?+
Spook Hill Elementary School (elementary), Bartow Senior High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the LAKE WALES 33898 market on paper
$87,000 is 40% below the LAKE WALES 33898 median of $143,850, and at $118/sqft it sits under the Lake Wales average of $195.
02Time on market is leverage
400 days on market against a Lake Wales median of 56 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $123,900, now $87,000 — a $37K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BENDER REALTY, LLC · Kris Bender. MLS #K4902987.
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.
Never miss a listing
New Lake Wales homes, in your inbox
Like 2 WOODRUFF WAY but not quite? A daily digest of every new listing in Lake Wales — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →