13 RED QUILL CIRCLE, LAKE WALES, FL, 33898
Active32 days on marketListed Sep 10, 2026MLS #K4903766
About this home
13 RED QUILL CIRCLE
TRUE WATERFRONT LIVING -Welcome to your dream retirement escape! This beautifully maintained 1-bedroom, 1-bathroom park model home offers the ultimate blend of relaxation and resort-style living. Nestled directly on the water within the premier 55+ gated community of Saddlebag Lake Resort, where you own the land, this home comes completely move-in ready and fully furnished so you can start living the Florida lifestyle on day one! The home has a Florida room that is outfitted with a daybed, so your overnight guests will have a comfortable place to sleep. Wake up to peaceful water views right from your back porch, or from the covered patio for a shady retreat. There's a shed with power that you can use as a workshop, and a large driveway, so you'll always have plenty of parking. Cruise around the community in style with your very own golf cart that comes with the home. There's always plenty to do in the resort! Choose from swimming in the community pool, relaxing in the hot tub or sauna, or getting in shape at the fitness center. You can launch a boat from your own back yard and go fishing in Saddlebag Lake, or practice your swing at the driving range. Take your fur babies to the dog park and let them run around to their heart's content, or you can be the one running around while playing a game of tennis or pickle ball! You won't even have to leave the resort to get your mail, there's a post office onsite. The low quarterly HOA covers all the amenities, as well as your water, sewer and trash pick-up. Call now to schedule a tour before this home is gone, and soon you'll be living like you're on vacation every day!
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
396
Sqft
0.1 ac
Lot size
1992
Year built
Two
Levels
$227
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.
$1,089 /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
$1,089/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.
$/sqft vs SADDLEBAG LAKE
$227 vs $149
Days on market
32 vs 84 typical
Where $227/sqft sits among the 28 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 → $249K
Lake Wales median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
10 of 28
SADDLEBAG LAKE have cut their price
Median sold price, Lake Wales, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 36% below the LAKE WALES 33898 median. See the full Lake Wales market guide →
Paper trail
This home's history
Reality check
What actually sold near 13 RED QUILL CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$54,500
53 WOODRUFF WAY · same community
1 bd · 1.5 ba · 518 sqft · $105/sqft · 35 DOM
Sold · Feb ’26$45,000
1 WOODRUFF WAY · same community
1 bd · 1 ba · 525 sqft · $86/sqft · 321 DOM
Sold · Jan ’26$62,000
121 SADDLEBAG TRAIL · same community
1 bd · 1 ba · 570 sqft · $109/sqft · 117 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 13 RED QUILL CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13 RED QUILL CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
13 RED QUILL CIRCLE FAQs
What would the monthly payment be for 13 RED QUILL CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,089/mo — principal and interest, the actual property-tax bill, the $245/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 13 RED QUILL CIRCLE?+
The association fee works out to $245 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 13 RED QUILL CIRCLE?+
The most recent tax bill on record (2025) was $1,380. 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 13 RED QUILL CIRCLE?+
The listing reports pets: Cats OK, Dogs OK. 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 $89,900, this home is listed about 63% below the Lake Wales median of $245,000. The market section on this page shows how the area is trending.
Which schools are assigned to 13 RED QUILL CIRCLE?+
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 BENDER REALTY, LLC · Kris Bender. MLS #K4903766.
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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