264 SADDLE LANE, RIVER RANCH, FL, 33867
Active31 days on marketListed Jun 22, 2026MLS #TB8522138
About this home
264 SADDLE LANE
Welcome to your private oasis in the heart of River Ranch RV Resort! This beautifully improved deeded RV lot is located in desirable Phase 2 and offers the perfect blend of luxury, privacy, and outdoor living. Enjoy no rear neighbors and lush landscaping that creates a peaceful retreat just a short walk from the resort pool, laundry facilities, and bathhouse. The lot features a custom covered pavilion, fully equipped outdoor kitchen, cozy fire pit gathering area, hammock space, and ample room for entertaining family and friends. Whether you're grilling outdoors, relaxing by the fire, or enjoying your morning coffee under the pavilion, this property was designed for year-round enjoyment, rain or shine. HOA fees are $942 each quarter and include water, sewer, cable/streaming, high-speed internet, lawn maintenance, trash service, and 24-hour gated security. River Ranch RV Resort is a gated luxury RV community offering resort-style amenities including pools, pickleball, tennis courts, clubhouse, social activities, billiards, poker room, laundry facilities, and beautifully maintained grounds. Owners enjoy a welcoming community atmosphere perfect for weekend escapes, seasonal stays, or extended living. Located adjacent to Westgate River Ranch Resort & Rodeo, you'll have access to one of Florida's most unique vacation destinations. Enjoy the famous Saturday Night Rodeo, live entertainment, family-friendly saloon, line dancing, horseback riding, airboat rides, swamp buggy adventures, hayrides, mini golf, mechanical bull, climbing tower, arcade, petting farm, trap and skeet shooting, archery, river cruises, and more. Dining options include the River Ranch Cattle Company Steakhouse, Smokehouse Grill, pizza shop, coffee and ice cream shop, plus convenient general and western stores. Experience the charm of Old Florida while enjoying luxury RV resort living at its finest.
Facts & features
The home at a glance
0.06 ac
Lot size
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.
$1,806 /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
$1,806/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.
Where it sits
Inside River Ranch
Get to know River Ranch. See the full River Ranch guide →
RIVER RANCH 33867 — neighborhood snapshot
Population
64
Median age
69.8
Avg household
1.21
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The River Ranch market
$237K → $181K
River Ranch median sold, yr/yr
92.8%
Sale-to-list ratio (12 mo)
Median sold price, River Ranch, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 20% above the RIVER RANCH 33867 median. See the full River Ranch market guide →
Paper trail
This home's history
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 264 SADDLE LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 264 SADDLE LANE — 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
264 SADDLE LANE FAQs
What would the monthly payment be for 264 SADDLE LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,806/mo — principal and interest, the actual property-tax bill, the $314/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 264 SADDLE LANE?+
The association fee works out to $314 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 264 SADDLE LANE?+
The most recent tax bill on record (2025) was $1,169. 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 264 SADDLE LANE?+
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 River Ranch?+
At $195,000, this home is listed about 40% above the River Ranch median of $139,000. The market section on this page shows how the area is trending.
Which schools are assigned to 264 SADDLE LANE?+
Frostproof Ben Hill Griffin Junior Elementary School (elementary) — Polk County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of FUTURE HOME REALTY INC · Michelle Chandler. MLS #TB8522138.
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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