29 GINGER QUILL CIRCLE, LAKE WALES, FL, 33853
Active984 days on marketListed Nov 13, 2023MLS #O6156357
About this home
29 GINGER QUILL CIRCLE
Virtually Staged. WATERFRONT HOME * SCREENED WATERFRONT DECK * GATED COMMUNITY * FULLY FURNISHED * GOLF CART INCLUDED * YOU OWN THE LAND * FISH & BOAT FROM YOUR BACKYARD Experience the Best of Florida Waterfront Living, in this beautifully updated 2-bedroom 2-bathroom home, on scenic Saddlebag Lake in Lake Wales. Wake up to panoramic water views, with spectacular sunrise and sunsets, and enjoy the convenience of fishing and boating directly from your own backyard. Keep your boat just outside your back door, and spend your days enjoying everything lake life has to offer. Bonus - you OWN the land. This move-in-ready, fully furnished Home, also includes a golf cart (and golf cart garage/storage shed), for you to enjoy the Saddlebag Community and Florida lifestyle immediately. This wonderful Home includes a spacious living room, formal dining room, reading nook, kitchen with dining area, two bedrooms, two bathrooms, and an expansive screened waterfront deck perfect for relaxing or entertaining. Recent updates include a new roof (2023), new A/C (2022), new siding, updated neutral flooring throughout, fresh designer paint colors, updated appliances, Rain Bird irrigation, professional landscaping, and paver walkways. The low HOA includes water, sewer, trash, gated entry, clubhouse, and community pool. Residents also enjoy tennis, pickleball, shuffleboard, an on-site post office, and an active calendar of innumerable social clubs and fun and interesting community events. Under-55 buyers are welcome. This Home is perfect as a primary residence, seasonal getaway, vacation home, or investment property. Short-term rentals are permitted with no minimum lease term, giving you exceptional flexibility. Conveniently located in Lake Wales near shopping, restaurants, Bok Tower Gardens, Legoland, and approximately one hour from Walt Disney World, Disney Springs, and Florida’s East coast beaches. Fantastic opportunity to OWN a fully furnished waterfront home.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,152
Sqft
0.13 ac
Lot size
2004
Year built
One
Levels
$191
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.
$2,027 /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
$2,027/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.
vs edgeAI estimate
+10.6%
$/sqft vs SADDLEBAG LAKE
$191 vs $155
Days on market
984 vs 56 typical
Where $191/sqft sits among the 23 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 → $275K
Lake Wales median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
10 of 23
SADDLEBAG LAKE have cut their price
Median sold price, Lake Wales, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 2% above the LAKE WALES 33853 median. See the full Lake Wales market guide →
Paper trail
This home's history
Reality check
What actually sold near 29 GINGER QUILL CIRCLE
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 GINGER QUILL CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 29 GINGER QUILL CIRCLE — 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 GINGER QUILL CIRCLE FAQs
What would the monthly payment be for 29 GINGER QUILL CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,027/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 GINGER QUILL CIRCLE?+
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 GINGER QUILL CIRCLE?+
The most recent tax bill on record (2025) was $2,764. 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 GINGER QUILL CIRCLE?+
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 $219,950, this home is listed about 14% 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 29 GINGER QUILL CIRCLE?+
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
01Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
02Time on market is leverage
984 days on market against a Lake Wales median of 56 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $280,000, now $219,950 — a $60K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of THE ANDERSON GROUP & CO PL · Alison Maltby. MLS #O6156357.
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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