54 SADDLEBAG TRAIL, LAKE WALES, FL, 33898
Active26 days on marketListed Sep 16, 2026MLS #K4903794
About this home
54 SADDLEBAG TRAIL
Rare Find! Turnkey 3BR/2BA manufactured home in the 55+ community of Saddlebag Lake Resort, where YOU OWN THE LAND! Step inside to a completely stress-free transition; this home comes fully furnished and turn-key. The large kitchen has plenty of cabinets and counter space, with a built-in desk and adjacent dining area. The owners suite has a large walk-in closet and ensuite bathroom, with an easy step-up tub and shower combo. Your visiting family members will be comfortable on the other side of the home in either of the two guest bedrooms, and their own bathroom. The thoughtful layout is designed for both relaxation and entertaining, highlighted by a spectacular, full-width family room spanning the entire back of the home. This expansive bonus space is bathed in natural light and provides the perfect backdrop for hosting guests or just unwinding. Privacy is paramount here, as the property features no rear neighbors, giving you a quiet, serene retreat. The exterior is engineered for pure relaxation - the entire yard is beautifully stoned for maximum curb appeal with absolute minimum maintenance. When you can pull yourself away from the home to check out the amenities, you'll find so much to do you'll feel like you're on vacation every day! Enjoy a swim in the crystal clear pool, relax in the hot tub, play a game of tennis or pickle ball, or practice your swing at the driving range. Of course you may want to spend your days boating and fishing in Saddlebag Lake, working out in the fitness center, or playing a friendly game of pool in the rec room. The low quarterly HOA dues covers it all, plus your water, sewer and trash pick-up. The resort is pet friendly - your fur babies will love it here while running around at the dog park! There's a post office onsite so you won't even have to leave the resort to get your mail. Perfect for year-round living or a winter getaway, you'll be living the dream. Call now to schedule a tour before this gem is gone!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,344
Sqft
0.1 ac
Lot size
2006
Year built
One
Levels
$134
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.
$1,722 /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
$1,722/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.
vs edgeAI estimate
+1.5%
$/sqft vs SADDLEBAG LAKE
$134 vs $149
Days on market
26 vs 84 typical
Where $134/sqft sits among the 29 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)
11 of 29
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% above the LAKE WALES 33898 median. See the full Lake Wales market guide →
Paper trail
This home's history
Reality check
What actually sold near 54 SADDLEBAG TRAIL
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$205,000
49 QUEEN OF WATERS STREET · same community
2 bd · 2 ba · 1,152 sqft · $178/sqft · 1 DOM
Sold · Jan ’26$155,000
85 SADDLEBAG TRAIL · same community
3 bd · 2 ba · 1,152 sqft · $135/sqft · 252 DOM
Sold · Oct ’26$170,000
17 RED QUILL CIRCLE · same community
2 bd · 2 ba · 1,152 sqft · $148/sqft · 425 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
Shawn Lewis
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 54 SADDLEBAG TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 54 SADDLEBAG TRAIL — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
54 SADDLEBAG TRAIL FAQs
What would the monthly payment be for 54 SADDLEBAG TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,722/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 54 SADDLEBAG TRAIL?+
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 54 SADDLEBAG TRAIL?+
The most recent tax bill on record (2025) was $2,138. 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 54 SADDLEBAG TRAIL?+
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 $180,000, this home is listed about 27% 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 54 SADDLEBAG TRAIL?+
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 #K4903794.
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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