20 SILVER DOCTOR LANE, LAKE WALES, FL, 33898
Active80 days on marketListed May 22, 2026MLS #K4903516
About this home
20 SILVER DOCTOR LANE
This deeded RV lot is located in the premier 55+ gated community of Saddlebag Lake Resort. The lot measures 45x90, and has full hook-ups for water, sewer and 100 amps of electric. You'll have more than enough room to park the longest 5th wheel, motor coach or pull-behind trailer, plus there's an extra parking space for your truck or other vehicle. A patio area is adjacent to the parking pad, so you can step right out to it from your RV. There's even a shed at the back of the lot to store all your gear, and a shaded grassy space to enjoy. But wait, there's so much more! You'll be living the dream here, with all the resort's amenities, including a sparkling pool, hot tub, rec room with pool tables and saunas, a fitness center, driving range, dog park, pickle ball, tennis and shuffleboard courts, horse shoes, and a myriad of clubs you can join. Last but certainly not least, you'll also have lake access so you can go boating and fishing in Saddlebag Lake. It's all included in the low quarterly HOA dues, as is your water, sewer and trash pick-up. You owe it to yourself to check this out - don't wait, call today before it's gone!
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.
$789 /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
$789/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 62% 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 20 SILVER DOCTOR LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$145,000
10 GREY FOX LANE · same community
2 bd · 2 ba · 1,044 sqft · $139/sqft · 95 DOM
Sold · Mar ’26$140,000
16 SILVER DOCTOR LANE · same community
2 bd · 2 ba · 1,080 sqft · $130/sqft · 272 DOM
Sold · Mar ’26$135,000
11 GREY FOX LANE · same community
2 bd · 2 ba · 1,152 sqft · $117/sqft · 143 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 20 SILVER DOCTOR LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 20 SILVER DOCTOR LANE — 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
20 SILVER DOCTOR LANE FAQs
What would the monthly payment be for 20 SILVER DOCTOR LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $789/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 20 SILVER DOCTOR LANE?+
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 20 SILVER DOCTOR LANE?+
The most recent tax bill on record (2025) was $435. 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 20 SILVER DOCTOR LANE?+
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 $253,990. The market section on this page shows how the area is trending.
Which schools are assigned to 20 SILVER DOCTOR LANE?+
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 #K4903516.
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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