117 SADDLEBAG TRAIL, LAKE WALES, FL, 33898
Active7 days on marketListed Jul 27, 2026MLS #K4903657
About this home
117 SADDLEBAG TRAIL
Your perfect Florida retirement starts right here at 117 Saddlebag Trail, where an exceptional active-adult lifestyle meets an unbeatable price of just $92,000! Located inside the highly desirable, gated Saddlebag Lake Resort, this beautifully updated property welcomes you with open arms.This home is completely move-in ready and furnished, allowing you to walk right in and start relaxing today—tasteful furniture and essentials are all included. You will love the fresh new flooring throughout the home, which makes the entire space feel incredibly bright, modern, and open. For your ultimate peace of mind, the plumbing has been fully updated, and a brand-new water heater and power cord were replaced just 2 years ago. The sellers have poured true pride of ownership into every corner and are ready to hand over the keys—fully furnished and complete with their personal golf cart with an owner's approval! Saddlebag Lake Resort is a wonderful pet-friendly resort offering a vibrant clubhouse where you can easily get to know your friendly neighbors. The community features a heated pool, a hot tub, a recreation room with pool tables, modern fitness equipment, and saunas. Stay active out on the tennis, pickleball, and shuffleboard courts, or enjoy a game of horseshoes and practice your swing at the driving range. There is even a beach house with a fully equipped kitchen that you can reserve for your private, lakefront parties! Of course, you can easily access the water at the community boat ramp to go boating and fishing.You will truly live like you're on vacation every day! All of these premium amenities are included, as well as your sewer, trash, and water services, right in the low quarterly HOA dues. Do not miss out on this exceptional opportunity!
Facts & features
The home at a glance
1
Bedrooms
1.5
Bathrooms
880
Sqft
0.09 ac
Lot size
1984
Year built
One
Levels
$105
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.
$1,078 /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
$1,078/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
$105 vs $155
Days on market
7 vs 56 typical
Where $105/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 34% 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 117 SADDLEBAG TRAIL
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$90,000
10 BLUE QUILL CIRCLE · same community
2 bd · 1 ba · 875 sqft · $103/sqft · 256 DOM
Sold · Jan ’26$140,000
106 SADDLEBAG TRAIL · same community
2 bd · 2 ba · 864 sqft · $162/sqft · 101 DOM
Sold · Oct ’25$145,000
5 GRAYHACKLE STREET · same community
2 bd · 2 ba · 836 sqft · $173/sqft · 4 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 117 SADDLEBAG TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 117 SADDLEBAG TRAIL — 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
117 SADDLEBAG TRAIL FAQs
What would the monthly payment be for 117 SADDLEBAG TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,078/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 117 SADDLEBAG TRAIL?+
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 117 SADDLEBAG TRAIL?+
The most recent tax bill on record (2025) was $1,084. 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 117 SADDLEBAG TRAIL?+
The listing reports pets: Yes. 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 $92,000, this home is listed about 64% 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 117 SADDLEBAG TRAIL?+
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
$92,000 is 34% below the LAKE WALES 33898 median of $140,000, and at $105/sqft it sits under the Lake Wales average of $195.
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.
03Fresh on the market
Only 7 days on market in a Lake Wales market that averages 56 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of BENDER REALTY, LLC · Kristi Harvey. MLS #K4903657.
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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