31 STONEFLY CIRCLE, LAKE WALES, FL, 33898
Active178 days on marketListed Feb 5, 2026MLS #K4903273
About this home
31 STONEFLY CIRCLE
This furnished 1/1 home is located in the 55+ gated community of Saddlebag Lake Resort, where you own the land. The spacious living room welcomes you as you enter the front door. Upstairs you'll find a cozy kitchen and dining area, with a pass-through bathroom that leads to the comfortable owners suite. There's a vinyl room at the back of the home, which also houses the washer and dryer for your convenience. The shed has shelving, an easy place to store your gear and all your tools. Enjoy all the resort has to offer, including a heated pool, tennis and pickle ball courts, horse shoe pits, a screen enclosed hot tub, professional grade shuffleboard courts, a rec room with pool tables and saunas, boating and fishing on Saddlebag Lake, a driving range to improve your swing, and even a dog park for your furry family members. The low HOA includes your water, sewer and trash pick-up, plus use of all the amenities. Come for the winter, or live here year round! At this price it's not going to last long so call now for your private tour.
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
616
Sqft
0.1 ac
Lot size
1980
Year built
Two
Levels
$102
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.
$823 /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
$823/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
$102 vs $155
Days on market
178 vs 56 typical
Where $102/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 56% 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 31 STONEFLY CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$62,000
121 SADDLEBAG TRAIL · same community
1 bd · 1 ba · 570 sqft · $109/sqft · 117 DOM
Sold · Feb ’26$45,000
1 WOODRUFF WAY · same community
1 bd · 1 ba · 525 sqft · $86/sqft · 321 DOM
Sold · Feb ’26$54,500
53 WOODRUFF WAY · same community
1 bd · 1.5 ba · 518 sqft · $105/sqft · 35 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 31 STONEFLY CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 31 STONEFLY CIRCLE — 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
31 STONEFLY CIRCLE FAQs
What would the monthly payment be for 31 STONEFLY CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $823/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 31 STONEFLY CIRCLE?+
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 31 STONEFLY CIRCLE?+
The most recent tax bill on record (2025) was $444. 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 31 STONEFLY CIRCLE?+
The listing reports pets: Cats OK, Dogs OK. 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 $63,000, this home is listed about 75% 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 31 STONEFLY CIRCLE?+
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
Four things that matter here
01Under the LAKE WALES 33898 market on paper
$63,000 is 56% below the LAKE WALES 33898 median of $143,850, and at $102/sqft it sits under the Lake Wales average of $195.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Time on market is leverage
178 days on market against a Lake Wales median of 56 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $68,000, now $63,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BENDER REALTY, LLC · Kris Bender. MLS #K4903273.
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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