
13123 SADDLE WAY, BROOKSVILLE, FL, 34614
Active19 days on marketListed Jul 10, 2026MLS #TB8527345
About this home
13123 SADDLE WAY
Virtually Staged. ** BRAND NEW ROOF MAY 2026 ** Welcome to Dry Creek Estates, an exclusive community of just 38 homesites where privacy, space and the Florida lifestyle come together. Occupying a generous 1.14 acre homesite, this impressive 4 bedroom, 4 full bathroom home offers 2,994 square feet of thoughtfully designed living space with room to spread out both inside and out. Designed for both everyday living and entertaining, the home features a formal living room, a spacious family room and an expansive kitchen that truly serves as the heart of the home. You'll love the oversized island, abundant cabinetry, generous counter space and exceptional storage. The laundry room is conveniently located just off the kitchen and includes built in cabinets and a utility sink. The split bedroom layout provides privacy for everyone. The primary suite occupies its own wing of the home, while the 4th bedroom is tucked away down its own hallway at the rear of the house, making it ideal for guests, multigenerational living or a private home office. Upstairs, you'll find an impressive 600sqft loft complete with its own en suite bathroom. Whether you're looking for a guest suite, media room, game room, second living area or another option for your home office, this flexible space creates endless possibilities. Out back is the true Showstopper. 3 sets of sliding glass doors and numerous windows fill the home with natural light while providing beautiful views of the pool from multiple rooms. Outside, you'll find a 15 x 40 pool surrounded by an expansive 24 x 50 paver deck and highlighted by a beautiful stone waterfall. A separate covered 12 x 28 patio offers the perfect place for outdoor dining, relaxing or entertaining. The dedicated pool bathroom keeps wet feet out of the main living areas and adds convenience for family and guests. The partially fenced yard provides plenty of room to play, garden or simply enjoy the outdoors. Gather around the fire pit on cool evenings, take advantage of the additional storage offered by both a large utility building with a roll up door and an extra storage shed that is perfect for lawn care or pool equipment. Additional highlights include a whole home water softener system, an attached 3 car garage, an additional carport and a BRAND NEW ROOF (2026). One of the best parts of this home is its location. Living in Dry Creek Estates means enjoying everything Florida's Nature Coast and Adventure Coast have to offer. Spend your weekends watching the mermaids, kayaking crystal clear springs, paddling gorgeous rivers, hiking scenic trails, fishing, boating, scalloping or exploring nearby state parks and wildlife preserves. It's the perfect balance of country living and convenient access to shopping, dining, schools and everyday amenities. If you've been looking for room to spread out, a backyard made for entertaining, an unbeatable location and a home that truly embraces the Florida lifestyle, this is one you'll want to experience in person.
Facts & features
The home at a glance
4
Bedrooms
4
Bathrooms
2,994
Sqft
1.14 ac
Lot size
3
Garage
2004
Year built
Two
Levels
$217
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 — not generic estimates.
$4,185 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,185/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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 Brooksville actives
$217 vs $187
Days on market
19 vs 45 typical
Where $217/sqft sits among the 400 Brooksville actives
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 Dry Creek Estates
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Brooksville. See the full Brooksville guide →
Dry Creek Estates — neighborhood snapshot
Population
271
Median age
48
Median income
$75,729
Median home value
$201,600
Avg household
2
Households w/ children
23%
For the school run
Hernando County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Brooksville market
$303K → $326K
Brooksville median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
207 of 400
Brooksville actives have cut their price
Median sold price, Brooksville, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 227% above the BROOKSVILLE 34614 median. See the full Brooksville market guide →
Paper trail
This home's history
Reality check
What actually sold near 13123 SADDLE WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$710,000
13044 BRIDLE PATH · same community
3 bd · 2 ba · 3,186 sqft · $223/sqft · 11 DOM
Sold · Nov ’25$410,850
12126 EVERGLADES KITE ROAD
4 bd · 3 ba · 2,286 sqft · $180/sqft · 0 DOM
Sold · Mar ’26$338,888
13390 POTOMAC AVENUE
4 bd · 2 ba · 2,286 sqft · $148/sqft · 148 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 13123 SADDLE WAY — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13123 SADDLE WAY — 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
13123 SADDLE WAY FAQs
What would the monthly payment be for 13123 SADDLE WAY?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,185/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 13123 SADDLE WAY?+
The most recent tax bill on record (2025) was $3,298. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Brooksville?+
At $649,900, this home is listed about 94% above the Brooksville median of $335,000. The market section on this page shows how the area is trending.
Which schools are assigned to 13123 SADDLE WAY?+
Winding Waters K-8 (elementary), Weeki Wachee High School (high) — Hernando County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of FUTRELL REALTY, INC · Alison Lydic. MLS #TB8527345.
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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