David Ramirez
$759,9004 bd3 ba3,292 sqft$231 /sqft$4,721 /mo all-in ↓

3841 SADDLE HILL TRAIL, FRUITLAND PARK, FL, 34731

Active2 days on marketListed Aug 3, 2026MLS #TB8535540

New constructionSingle Family ResidenceSADDLE HILL SUB

About this home

3841 SADDLE HILL TRAIL

Under Construction. Introducing the Mantle at Saddle Hill by Terrata Homes – Fruitland Park The Mantle is a statement of refined living—expansive, intentional, and thoughtfully crafted for the way modern families experience home. Located within the highly anticipated Saddle Hill community, this four-bedroom, three-and-a-half-bath residence with a three-car garage offers a seamless blend of sophistication, comfort, and functionality. From the moment you enter, a grand foyer draws you into an impressive open-concept living space, where the family room serves as the centerpiece—framed by natural light and effortless access to the covered outdoor living area beyond. Every element of this home is designed to feel both elevated and livable, offering space to gather, unwind, and entertain without compromise. At the heart of the home, the designer kitchen commands attention with a striking angled island that anchors the space with both style and purpose. Overlooking the breakfast area and expansive family room, this culinary space is as beautiful as it is functional. Quartz countertops, bright white cabinetry, stainless steel appliances, a modern tile backsplash, and matte black hardware create a clean, cohesive aesthetic, while a generous walk-in pantry ensures effortless organization. A formal dining room just off the foyer offers a refined setting for hosting, while the dedicated media room provides a private escape for movie nights and relaxed evenings. A thoughtfully placed tech area near the owner’s suite adds an additional layer of everyday convenience—perfect for work, study, or staying connected. French doors open to a covered outdoor kitchen, extending the living experience beyond the walls of the home and creating an ideal setting for year-round entertaining under the Florida sky. Privately positioned at the rear of the home, the owner’s suite is a true retreat—designed for rest and rejuvenation. The spacious bedroom offers a serene escape, while the spa-inspired bathroom features a soaking tub, walk-in shower, and an expansive vanity that elevates your daily routine. A large walk-in closet provides ample storage with a boutique-inspired feel. Throughout the home, every finish reflects a commitment to quality and design. Luxury vinyl plank flooring spans the main living areas, complemented by elevated lighting and plumbing fixtures, refined architectural trim details, and blinds throughout—delivering a fully complete, move-in-ready home with no detail overlooked. Saddle Hill is set among the tranquil, tree-lined landscapes of Fruitland Park, offering a peaceful, elevated lifestyle with close proximity to the scenic shores of Lake Griffin, championship golf courses, charming cafés, boutique shopping, local dining, farmers markets, art walks, and live music. It is a community where natural beauty and curated living come together effortlessly.

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

3,292

Sqft

0.5 ac

Lot size

3

Garage

2026

Year built

One

Levels

$231

Per sqft

Pets allowed

Inside

FlooringCarpet · Luxury Vinyl
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Electric Water Heater · Exhaust Fan · Ice Maker · Microwave · Range · Range Hood · Refrigerator
InteriorCeiling Fan(s) · Crown Molding · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Pest Guard System · Solid Surface Counters · Solid Wood Cabinets · Thermostat · Tray Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryElectric Dryer Hookup · Inside · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingHeat Pump

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesWest
ParkingDriveway · Garage Door Opener
ExteriorIrrigation System · Lighting · Outdoor Kitchen · Sidewalk · Sliding Doors

Community & fees

HOA fee$125/mo
Taxes (2025)$605/yr
PetsYes
CommunityCommunity Mailbox · Sidewalks

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Available · Electricity Connected · Phone Available · Street Lights · Underground Utilities · Water Available · Water Connected
WaterWell

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.

$4,721 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,100
PMI (est., until 20% equity)$285
Property tax — 2025 actual bill$50
HOA fee — from the listing$125
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $75,990Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $75,990
Interest rate6.00%
Loan term

Estimated payment

$4,721/mo

Principal & interest$4,100
PMI (est., until 20% equity)$285
Property taxes (actual bill)$50
HOA / condo fee$125
Est. insurance$160

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.

List $760K
$672KedgeAI estimate $735,893 · range $700K$820K$853K

vs edgeAI estimate

+3.3%

$/sqft vs Fruitland Park actives

$231 vs $187

Days on market

2 vs 34 typical

Where $231/sqft sits among the 71 Fruitland Park actives

12
14
16
8 · this home
12
9
$103–137$137–171$171–205$205–239$239–273$273+

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 Fruitland Park

Map of 3841 SADDLE HILL TRAIL

Drive times from this address

Downtown Orlando62 min
Universal Orlando65 min
Walt Disney World73 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Fruitland Park. See the full Fruitland Park guide →

FRUITLAND PARK 34731 — neighborhood snapshot

Population

12,239

Median age

48.7

Median income

$63,329

Median home value

$185,900

Avg household

2.4

Households w/ children

978

For the school run

Lake County School District

ElementaryFruitland Park Elementary School★★★★
MiddleCarver Middle School★★★★
HighLeesburg High School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Fruitland Park market

Seller’s marketBalanced5.8 months of inventoryBuyer’s market

$345K$385K

Fruitland Park median sold, yr/yr

97.0%

Sale-to-list ratio (12 mo)

31 of 71

Fruitland Park actives have cut their price

Median sold price, Fruitland Park, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 145% above the FRUITLAND PARK 34731 median. See the full Fruitland Park market guide →

Paper trail

This home's history

Aug 3, 2026Listed at $759,900 · 2 days on market since
2026Built · SADDLE HILL SUB

Reality check

What actually sold near 3841 SADDLE HILL TRAIL

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

4114 DOVE VALLEY LANESold · Sep ’25

$635,000

4114 DOVE VALLEY LANE

4 bd · 3 ba · 3,060 sqft · $208/sqft · 385 DOM

4353 EMMAUS ROADSold · Apr ’26

$535,000

4353 EMMAUS ROAD

4 bd · 2 ba · 3,051 sqft · $175/sqft · 6 DOM

5035 MAGNOLIA RIDGE ROADSold · Dec ’25

$545,000

5035 MAGNOLIA RIDGE ROAD

4 bd · 2.5 ba · 2,892 sqft · $188/sqft · 12 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 3841 SADDLE HILL TRAIL — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3841 SADDLE HILL TRAIL — before you fall in love.

See it in person

Schedule a tour

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Straight answers

3841 SADDLE HILL TRAIL FAQs

What would the monthly payment be for 3841 SADDLE HILL TRAIL?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,721/mo — principal and interest, the actual property-tax bill, the $125/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 3841 SADDLE HILL TRAIL?+

The association fee works out to $125 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 3841 SADDLE HILL TRAIL?+

The most recent tax bill on record (2025) was $605. 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 3841 SADDLE HILL 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 Fruitland Park?+

At $759,900, this home is listed about 122% above the Fruitland Park median of $341,950. The market section on this page shows how the area is trending.

Which schools are assigned to 3841 SADDLE HILL TRAIL?+

Fruitland Park Elementary School (elementary), Carver Middle School (middle), Leesburg High School (high) — Lake County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of LGI REALTY- FLORIDA, LLC · Gayle Van Wagenen. MLS #TB8535540.

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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