12 SADDLEBAG TRAIL, LAKE WALES, FL, 33898
Active19 days on marketListed Jul 16, 2026MLS #P4939315
About this home
12 SADDLEBAG TRAIL
Located in the highly sought-after 55+ gated community of Saddlebag Lake Resort, this beautifully maintained Jacobsen 2-bedroom, 2-bath manufactured home is being offered fully furnished and is ready for you to enjoy from day one. Designed for both comfort and convenience, the home features attractive Pergo laminate flooring throughout the main living areas, offering style and easy maintenance. For added peace of mind, a whole-house generator powered by either gas or propane ensures reliable backup power during any weather. The well-appointed kitchen is equipped with a full suite of stainless-steel appliances, including a glass-top range, double-door refrigerator with ice maker and water dispenser, dishwasher, and microwave. Adjacent to the kitchen, the dining area features a table and chairs and a built-in cabinet, adding both character and convenient storage. One of the home's standout features is the spacious bonus room at the rear, providing the perfect space for a home office, craft room, hobby area, or additional living space. Outside, you'll find even more to love. A two-car carport offers ample covered parking, while a full-length covered walkway with durable composite decking leads to a relaxing, screened porch overlooking the backyard—an ideal spot to enjoy your morning coffee or unwind in the evening. Outside, you'll find even more to love. A two-car carport offers ample covered parking, while a full-length covered walkway with durable composite decking leads to a relaxing screened porch overlooking the backyard—an ideal spot to enjoy your morning coffee or unwind in the evening. The low HOA fee includes water, sewer, garbage collection, and access to an impressive array of resort-style amenities. Residents enjoy a welcoming clubhouse with planned social activities, a sparkling community pool, screened hot tub, covered professional-grade shuffleboard courts, tennis and pickleball courts, horseshoe pits, and a recreation center featuring pool tables, fitness equipment, and a sauna. Outdoor enthusiasts will appreciate boating and fishing on beautiful Saddlebag Lake, relaxing on the community beach, or reserving the beach house for private gatherings. The pet-friendly community also features a dedicated dog park conveniently located near the driving range. Additional conveniences include an on-site post office and library. If you're looking for an active, carefree Florida lifestyle in a vibrant waterfront community, this exceptional home checks all the boxes. Schedule your private showing today—this exceptional home won't last long, and you won't want to miss the opportunity to make it yours!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
864
Sqft
0.1 ac
Lot size
2005
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.
$1,699 /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
$1,699/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
+16%
$/sqft vs SADDLEBAG LAKE
$208 vs $155
Days on market
19 vs 52 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
96.4%
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 28% 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 12 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 · Jan ’26$140,000
106 SADDLEBAG TRAIL · same community
2 bd · 2 ba · 864 sqft · $162/sqft · 101 DOM
Sold · Mar ’26$90,000
10 BLUE QUILL CIRCLE · same community
2 bd · 1 ba · 875 sqft · $103/sqft · 256 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 12 SADDLEBAG TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12 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
12 SADDLEBAG TRAIL FAQs
What would the monthly payment be for 12 SADDLEBAG TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,699/mo — principal and interest, the actual property-tax bill, the $227/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 12 SADDLEBAG TRAIL?+
The association fee works out to $227 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12 SADDLEBAG TRAIL?+
The most recent tax bill on record (2025) was $2,084. 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 12 SADDLEBAG TRAIL?+
The listing reports pets: Breed Restrictions, 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 $179,900, this home is listed about 28% below the Lake Wales median of $250,000. The market section on this page shows how the area is trending.
Which schools are assigned to 12 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.
Keep looking
Similar homes nearby
Listing courtesy of WATSON REALTY CORP. · Sandra Perry. MLS #P4939315.
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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