29 WOODRUFF WAY, LAKE WALES, FL, 33898
Active48 days on marketListed Jun 18, 2026MLS #K4903571
About this home
29 WOODRUFF WAY
This 2/2 LAKE SIDE Jacobsen manufactured home is located in the 55+ pet friendly, gated community of Saddlebag Lake Resort and comes fully furnished and turnkey. You'll love the stunning view of the lake from the full-width screened porch, and even from the main inside living space. The home was custom built with lots of premium upgrades, including luxury laminate flooring throughout, dolomite stone counter tops in the kitchen as well as both bathrooms, 9 ft. high ceilings and stainless steel appliances. The gourmet kitchen has a large island with bar stools, and plenty of cabinets so there's a place for everything. The owner's suite has a HUGE ensuite bathroom that features a relaxing spa. When you're ready to venture out, you can enjoy as active a lifestyle as you want. There's a crystal clear community pool, a hot tub, tennis, pickle ball and shuffleboard courts, horse shoes, a fitness center, a rec room with pool tables and saunas, a driving range, and a beach house that you can reserve at no cost for private events. Get to know your neighbors at the clubhouse and participate in planned activities, or join the club of your choice. There's a post office onsite, you don't even have to leave the resort to get your mail. Isn't it time you came home to Saddlebag Lake Resort? Call now to schedule your private tour and start living the good life today!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,296
Sqft
0.09 ac
Lot size
2022
Year built
One
Levels
$208
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.
$2,391 /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
$2,391/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
$208 vs $155
Days on market
48 vs 54 typical
Where $208/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
96.3%
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 90% above the LAKE WALES 33898 median. See the full Lake Wales market guide →
Paper trail
This home's history
Reality check
What actually sold near 29 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 · Feb ’26$205,000
49 QUEEN OF WATERS STREET · same community
2 bd · 2 ba · 1,152 sqft · $178/sqft · 1 DOM
Sold · Jan ’26$155,000
85 SADDLEBAG TRAIL · same community
3 bd · 2 ba · 1,152 sqft · $135/sqft · 252 DOM
Sold · Feb ’26$188,000
30 SADDLEBAG TRAIL N · same community
3 bd · 2 ba · 1,152 sqft · $163/sqft · 40 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 29 WOODRUFF WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 29 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
29 WOODRUFF WAY FAQs
What would the monthly payment be for 29 WOODRUFF WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,391/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 29 WOODRUFF WAY?+
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 29 WOODRUFF WAY?+
The most recent tax bill on record (2025) was $3,322. 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 29 WOODRUFF WAY?+
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 $270,000, this home is listed about 8% above the Lake Wales median of $249,995. The market section on this page shows how the area is trending.
Which schools are assigned to 29 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.
Keep looking
Similar homes nearby
Listing courtesy of BENDER REALTY, LLC · Kris Bender. MLS #K4903571.
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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