13 SADDLEBAG TRAIL S, LAKE WALES, FL, 33898
Active122 days on marketListed Apr 4, 2026MLS #K4903392
About this home
13 SADDLEBAG TRAIL S
Are you looking for a place to enjoy retirement living on a budget? This could be the perfect setting! You'll be living the dream here, with so much to do you'll feel like you're on vacation every day. Swim in the sparkling community pool, relax in the hot tub, play tennis, pickle ball, shuffleboard or horse shoes, work out on the fitness equipment, practice your swing at the driving range, play pool or unwind in the sauna, go fishing and boating on Saddlebag Lake - all these amenities are for your use at a low HOA fee, which also includes your water, sewer and trash pick-up. The one bedroom, one bathroom home is livable, but in need of a makeover. It comes furnished, and has wall unit air conditioning. You could have it removed and place a new home on the lot, at this list price it's the same as our least expensive RV lot. Here at Saddlebag Lake Resort, you own the land, there's no lot rent. It's a pet friendly community, complete with a dog park, so even your furry family members will feel right at home. You owe it to yourself to check this out before it's gone, so call now to schedule your private tour.
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
608
Sqft
0.1 ac
Lot size
1976
Year built
Two
Levels
$90
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.
$825 /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
$825/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
$90 vs $155
Days on market
122 vs 52 typical
Where $90/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 → $271K
Lake Wales median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
11 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 61% 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 13 SADDLEBAG TRAIL S
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 13 SADDLEBAG TRAIL S — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13 SADDLEBAG TRAIL S — 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
13 SADDLEBAG TRAIL S FAQs
What would the monthly payment be for 13 SADDLEBAG TRAIL S?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $825/mo — principal and interest, the actual property-tax bill, the $245/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 13 SADDLEBAG TRAIL S?+
The association fee works out to $245 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 13 SADDLEBAG TRAIL S?+
The most recent tax bill on record (2025) was $868. 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 13 SADDLEBAG TRAIL S?+
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 $55,000, this home is listed about 78% below the Lake Wales median of $250,000. The market section on this page shows how the area is trending.
Which schools are assigned to 13 SADDLEBAG TRAIL S?+
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
$55,000 is 61% below the LAKE WALES 33898 median of $140,000, and at $90/sqft it sits under the Lake Wales average of $198.
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
122 days on market against a Lake Wales median of 52 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of BENDER REALTY, LLC · Kris Bender. MLS #K4903392.
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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