42320 SADDLEBACK TRAIL, PUNTA GORDA, FL, 33982
Active9 days on marketListed Oct 29, 2026MLS #C7532598
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About this home
42320 SADDLEBACK TRAIL
Water views, tile throughout, and just 0.3 miles to Founder’s Square and the new B Street dining and shopping district. Welcome to 42320 Saddleback Trail, an upgraded Rosewood floor plan in Lake Timber, the founding neighborhood of Babcock Ranch. This 2,220 sq ft home offers three bedrooms, three full baths, a den, and a two-car garage. A covered front porch leads into a foyer and an open great room. The kitchen features a large center island, upgraded cabinetry and backsplash, and water filtration to both the sink and refrigerator. Cohesive plank tile flooring runs through the entire home. Sliding glass doors open to an extended covered lanai with water views, privacy screens, and plenty of space to add a pool. The primary suite includes two walk-in closets, dual vanities, a soaking tub, and a walk-in shower. Both secondary bedrooms have their own en-suite bath, and the den works as a home office or study. Upgrades include custom wood closet shelving, extra shoe storage, a whole-house surge protector, Kevlar screened-in front entryway, video doorbell, MyQ app-enabled garage door, and an EV charging connection in the garage. Storm protection includes accordion hurricane shutters, an impact-rated front window, and metal roll-down hurricane shutters on the lanai. Lake Timber is an established neighborhood with one master association fee and no separate neighborhood HOA. Enjoy convenient access to SR 31 and I-75, connecting you to Fort Myers, Punta Gorda, and Naples. Residents can take advantage of Lake Timber Lodge, featuring a zero-entry pool and playground overlooking 80-acre Lake Timber, plus full access to Babcock Ranch’s master amenities and lifestyle events, nearby Publix, The Shoppes at Yellow Pine, The PKWY parks, miles of trails, Babcock Neighborhood School, and the future MidTown Marketplace. All within Babcock Ranch, “America’s first solar-powered town” and one of the nation’s top-selling master-planned communities, Lake Timber offers a connected lifestyle with everyday conveniences close to home.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,220
Sqft
0.24 ac
Lot size
2
Garage
2020
Year built
One
Levels
$211
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.
$4,204 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$4,204/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
−9.1%
$/sqft vs Punta Gorda actives
$211 vs $206
Days on market
9 vs 65 typical
Where $211/sqft sits among the 400 Punta Gorda 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 Babcock Ranch
Get to know Punta Gorda. See the full Punta Gorda guide →
Babcock Ranch — neighborhood snapshot
Population
1,383
Median age
51
Median income
$121,216
Median home value
$440,349
Avg household
3
Households w/ children
150
For the school run
Charlotte County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Punta Gorda market
$325K → $340K
Punta Gorda median sold, yr/yr
95.3%
Sale-to-list ratio (12 mo)
177 of 400
Punta Gorda actives have cut their price
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 203% above the PUNTA GORDA 33982 median. See the full Punta Gorda market guide →
Paper trail
This home's history
Reality check
What actually sold near 42320 SADDLEBACK TRAIL
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$646,500
42179 HAMMOCK LANE · same community
4 bd · 2 ba · 2,412 sqft · $268/sqft · 7 DOM
Sold · Jan ’26$485,000
16984 CURRY PRESERVE DRIVE · same community
3 bd · 2 ba · 1,984 sqft · $244/sqft · 77 DOM
Sold · Oct ’26$815,000
17101 BULLHORN CIRCLE · same community
4 bd · 3 ba · 2,784 sqft · $293/sqft · 57 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
Kemarie Johnson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 42320 SADDLEBACK TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 42320 SADDLEBACK TRAIL — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
42320 SADDLEBACK TRAIL FAQs
What would the monthly payment be for 42320 SADDLEBACK TRAIL?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $4,204/mo — principal and interest, the actual property-tax bill, the $136/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 42320 SADDLEBACK TRAIL?+
The association fee works out to $136 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 42320 SADDLEBACK TRAIL?+
The most recent tax bill on record (2025) was $5,762. 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 42320 SADDLEBACK TRAIL?+
The listing reports pets: Number Limit. 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 Punta Gorda?+
At $469,000, this home is listed about 31% above the Punta Gorda median of $359,000. The market section on this page shows how the area is trending.
Which schools are assigned to 42320 SADDLEBACK TRAIL?+
East Elementary School (elementary), Punta Gorda Middle School (middle), Charlotte High School (high) — Charlotte County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · John Garuti. MLS #C7532598.
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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