108 SILVERSIDES STREET, LAKE WALES, FL, 33898
Active37 days on marketListed Jun 27, 2026MLS #K4903604
About this home
108 SILVERSIDES STREET
Located in the premier 55+ community of Saddlebag Lake Resort, where you own the land, this fully furnished and turnkey home is move-in ready and just waiting for its new owner! The home has a modern feel to it, with beautiful furnishings, and is tastefully decorated with a Florida motif throughout. Laminate flooring makes the home easy to clean and pet friendly. The entire home is on one level, no going up and down steps after you enter. There are two full bathrooms, one with a tub and shower combo. An on-demand water heater was installed in 2024, for instant hot water at a fraction of the cost. The living room is large and welcoming, and has a sleeper sofa for your overnight guests. The spacious family room at the back of the home has a separate air conditioner for maximum comfort. Grilling and chilling on the patio is just a step away, the perfect place to enjoy the outdoors! When you're ready to explore the resort, you'll find plenty to do so you can stay as active as you want, and you can arrive in style in the golf cart, it's included in the list price. Take a dip in the crystal clear pool, or relax in the screen-enclosed hot tub. Play a game of tennis, pickle ball, horse shoes or shuffleboard. Check out the rec room, with its pool tables and saunas, or the fitness center with its equipment to help you stay in shape. Get to know your neighbors at the clubhouse, where you can participate in planned activities, or join a club. The resort is pet friendly, with a dog park at the back. There's a lakeside beach house with covered patio and full kitchen that you can use for private parties, just reserve it. All of these great amenities are included in the low HOA dues, as well as your water, sewer and trash pick-up. Come for the winter, or live here year round! You won't even have to leave to get your mail, there's a post office onsite. Don't let this opportunity slip away, call now for your private tour before it's gone!
Facts & features
The home at a glance
1
Bedrooms
2
Bathrooms
1,080
Sqft
0.1 ac
Lot size
1992
Year built
One
Levels
$144
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.
$1,497 /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
$1,497/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
$144 vs $155
Days on market
37 vs 56 typical
Where $144/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 11% 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 108 SILVERSIDES STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$159,000
33 QUEEN OF WATERS STREET · same community
2 bd · 2 ba · 1,080 sqft · $147/sqft · 109 DOM
Sold · Jun ’26$135,000
43 BEAVERKILL DRIVE · same community
1 bd · 1 ba · 1,100 sqft · $123/sqft · 590 DOM
Sold · Nov ’25$139,000
23 STONEFLY CIRCLE · same community
2 bd · 2 ba · 1,104 sqft · $126/sqft · 273 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 108 SILVERSIDES STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 108 SILVERSIDES STREET — 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
108 SILVERSIDES STREET FAQs
What would the monthly payment be for 108 SILVERSIDES STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,497/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 108 SILVERSIDES STREET?+
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 108 SILVERSIDES STREET?+
The most recent tax bill on record (2025) was $1,336. 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 108 SILVERSIDES STREET?+
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 $155,000, this home is listed about 40% 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 108 SILVERSIDES STREET?+
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 #K4903604.
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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