51 WOODRUFF WAY, LAKE WALES, FL, 33898
Active12 days on marketListed Sep 10, 2026MLS #K4903771
About this home
51 WOODRUFF WAY
Your perfect seasonal escape or full-time paradise awaits! Escape the cold and step right into this beautifully maintained 2-bedroom, 2-bathroom fully furnished home, offering the ultimate blend of comfort, convenience and resort-style living. Best of all, you own the land - meaning absolutely no lot rent and total peace of mind! Pack your bags and start living the Florida lifestyle on day one, as everything you see is included. The spacious living and dining areas flow effortlessly into a well-appointed kitchen, making it perfect for entertaining new friends or relaxing after a day on the move. Both bedrooms provide generous space and privacy, complemented by two full bathrooms. As a bonus, this home comes complete with its very own golf cart, perfect for cruising around the highly desirable Saddlebag Lake Resort community, famous for its premier, resort-style amenities. Whether you want to spend your days lounging by the heated pool, playing pickleball, staying active in the fitness center, or joining in on clubhouse social events, this community has it all. Of course, you'll have access to the lake for boating and fishing, and your fur babies will love running around at the dog park! There is truly something for everyone here. The low quarterly HOA dues of just $734 includes use of all the amenities, plus your water, sewer and trash pick-up. Don't miss this opportunity - schedule your private tour today!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
878
Sqft
0.09 ac
Lot size
1966
Year built
Two
Levels
$113
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.
$1,111 /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
$1,111/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
$113 vs $155
Days on market
12 vs 57 typical
Where $113/sqft sits among the 26 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 → $271K
Lake Wales median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
11 of 26
SADDLEBAG LAKE have cut their price
Median sold price, Lake Wales, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 29% 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 51 WOODRUFF WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$90,000
10 BLUE QUILL CIRCLE · same community
2 bd · 1 ba · 875 sqft · $103/sqft · 256 DOM
Sold · Jan ’26$140,000
106 SADDLEBAG TRAIL · same community
2 bd · 2 ba · 864 sqft · $162/sqft · 101 DOM
Sold · Oct ’25$145,000
5 GRAYHACKLE STREET · same community
2 bd · 2 ba · 836 sqft · $173/sqft · 4 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
Frederick Paige
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 51 WOODRUFF WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 51 WOODRUFF WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Frederick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
51 WOODRUFF WAY FAQs
What would the monthly payment be for 51 WOODRUFF WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,111/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 51 WOODRUFF WAY?+
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 51 WOODRUFF WAY?+
The most recent tax bill on record (2025) was $956. 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 51 WOODRUFF WAY?+
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 $99,000, this home is listed about 62% below the Lake Wales median of $258,900. The market section on this page shows how the area is trending.
Which schools are assigned to 51 WOODRUFF WAY?+
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 #K4903771.
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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