4 STONEFLY CIRCLE, LAKE WALES, FL, 33898
Active19 days on marketListed Sep 23, 2026MLS #K4903812
About this home
4 STONEFLY CIRCLE
Located in the premier 55+ gated community of Saddlebag Lake Resort, where you own the land, this 2/2 manufactured home is ready for it's new owner. The kitchen has plenty of cabinets and counter space, and comes with all the appliances. The living room includes a flat screen t.v., already mounted for the new owner. The owners suite has his and hers mirrored closets and an ensuite bathroom. Your guests will enjoy their own bedroom with built-in closets and drawers, and a separate bathroom with tub and shower. There's even a laundry closet complete with a washer and dryer! The outside of the home was designed with comfort in mind, for you and your fur babies! There's a dog run on the side, and the yard is completely fenced to keep them close. The secluded covered porch at the back of the home is the perfect place to sit and enjoy your evenings. There's a shed to store all your tools, and a "wood crib" to keep firewood stocked in. Need lots of parking? No problem! The expansive carport was added just two years ago and is large enough for three vehicles, with room on the side for an RV or boat. Other upgrades include a new AC three years ago, and composite decking and gated entries two years ago. Enjoy all the resort has to offer as well, including a crystal clear pool, hot tub, pickle ball and tennis courts, rec room with saunas and pool tables, a fitness center, shuffleboard courts and horse shoe pits, a beach house with lake side covered patio, dog park, boating and fishing - there's truly something for everyone here. The home is an exceptional value at only $129,000, and the $734 quarterly HOA fees includes your water, sewer, trash pick up and use of all the amenities. With so much to offer this home won't last long, so call now for your private tour!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
864
Sqft
0.1 ac
Lot size
1995
Year built
One
Levels
$149
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.
$1,264 /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
$1,264/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
+25.1%
$/sqft vs SADDLEBAG LAKE
$149 vs $144
Days on market
19 vs 84 typical
Where $149/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 8% 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 4 STONEFLY CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$140,000
106 SADDLEBAG TRAIL · same community
2 bd · 2 ba · 864 sqft · $162/sqft · 101 DOM
Sold · Mar ’26$90,000
10 BLUE QUILL CIRCLE · same community
2 bd · 1 ba · 875 sqft · $103/sqft · 256 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
Elizabeth Elliott
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4 STONEFLY CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4 STONEFLY CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Elizabeth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4 STONEFLY CIRCLE FAQs
What would the monthly payment be for 4 STONEFLY CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,264/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 4 STONEFLY 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 4 STONEFLY CIRCLE?+
The most recent tax bill on record (2025) was $509. 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 4 STONEFLY 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 $129,000, this home is listed about 47% 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 4 STONEFLY 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 #K4903812.
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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