16 SADDLEBAG TRAIL S, LAKE WALES, FL, 33898
Active95 days on marketListed May 2, 2026MLS #K4903466
About this home
16 SADDLEBAG TRAIL S
This shaded RV lot is located in Saddlebag Lake Resort, a pet friendly 55+ gated community. Lot dimensions are approximately 46 x 83. The pavered parking pad will easily accommodate up to a 45 ft. RV, with plenty of room for vehicle parking. Well manicured and hardscaped, the lot is situated at an intersection so it's easy to back into. The site has full hookup with 20/30/50 amp service, water, sewer and communication connections (Internet and Landline phone) at the pedestal. Shed has solar powered lighting and solar exhaust fans. If you're ready to get off the road and park your RV where you can enjoy lots of amenities, you've found the right place. Choose from swimming in the sparkling community pool, relaxing in the hot tub, or playing a game of pickle ball. Of course, you might want to practice your swing at the driving range, play a friendly game of pool in the rec room, or work out in the fitness center. You can participate in planned activities in the clubhouse, go boating or fishing on Saddlebag Lake, or take your furry family members to the dog park so they can run around to their heart's content. The low quarterly HOA covers it all - plus your water, sewer and trash pick-up. Call now to schedule your private tour!
Facts & features
The home at a glance
0.09 ac
Lot size
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.
$917 /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
$917/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.
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
96.3%
Sale-to-list ratio (12 mo)
Median sold price, Lake Wales, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 49% 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 16 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 · Aug ’25$45,000
67 BEAVERKILL DRIVE · same community
2 bd · 2 ba · 336 sqft · $134/sqft · 105 DOM
Sold · Feb ’26$54,500
53 WOODRUFF WAY · same community
1 bd · 1.5 ba · 518 sqft · $105/sqft · 35 DOM
Sold · Feb ’26$45,000
1 WOODRUFF WAY · same community
1 bd · 1 ba · 525 sqft · $86/sqft · 321 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 16 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 16 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
16 SADDLEBAG TRAIL S FAQs
What would the monthly payment be for 16 SADDLEBAG TRAIL S?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $917/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 16 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 16 SADDLEBAG TRAIL S?+
The most recent tax bill on record (2025) was $674. 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 16 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 $72,000, this home is listed about 71% below the Lake Wales median of $249,995. The market section on this page shows how the area is trending.
Which schools are assigned to 16 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.
Keep looking
Similar homes nearby
Listing courtesy of BENDER REALTY, LLC · Kris Bender. MLS #K4903466.
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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