32 SADDLEBAG TRAIL, LAKE WALES, FL, 33898
Active17 days on marketListed Sep 25, 2026MLS #K4903814
About this home
32 SADDLEBAG TRAIL
Welcome to your slice of paradise! This turnkey 1-bedroom, 1-bathroom home blends delightful retro vibes with modern comfort, offering an unbeatable low-maintenance lifestyle. Best of all, you own the land - there's no land-lease fees here! Step inside to a fully furnished, move-in ready space that perfectly captures a nostalgic, stylish aesthetic. The thoughtful layout maximizes every inch, featuring a comfortable living area, a cozy kitchen, and the ultimate convenience of an in-unit washer and dryer. The lot backs up to the woods, so you can enjoy ultimate privacy, beautiful views and no rear neighbors! Includes a spacious outdoor shed, perfect for tools, hobbies or extra storage. Just bring your suitcase and start living the resort life on day one. Located in the highly desirable, pet friendly 55+ gated community of Saddlebag Lake Resort, you will have access to a wealth of premium amenities, including a sparkling pool, clubhouse with planned activities, rec room with pool tables and saunas, a fitness center, hot tub, tennis, pickle ball and shuffleboard courts, a driving range and even a dog park for your fur babies to run around. Of course, you can spend your days boating and fishing on Saddlebag Lake where the fishing is great! Your low HOA dues covers water, sewer, trash pickup, and full use of all community amenities, making your monthly budgeting a breeze. Don't miss this rare combination of retro charm, land ownership and an active lifestyle. Schedule your tour today and start enjoying the easy life!
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
760
Sqft
0.1 ac
Lot size
1985
Year built
Two
Levels
$99
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.
$976 /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
$976/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
−16%
$/sqft vs SADDLEBAG LAKE
$99 vs $155
Days on market
17 vs 84 typical
Where $99/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 46% 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 32 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 · Jul ’26$62,000
21 SADDLEBAG TRAIL S · same community
1 bd · 1.5 ba · 732 sqft · $85/sqft · 302 DOM
Sold · Mar ’26$60,000
8 RED QUILL CIRCLE · same community
1 bd · 1 ba · 730 sqft · $82/sqft · 5 DOM
Sold · Mar ’26$135,000
23 SADDLEBAG TRAIL · same community
2 bd · 2 ba · 816 sqft · $165/sqft · 142 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 32 SADDLEBAG TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 32 SADDLEBAG 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
32 SADDLEBAG TRAIL FAQs
What would the monthly payment be for 32 SADDLEBAG TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $976/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 32 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 32 SADDLEBAG TRAIL?+
The most recent tax bill on record (2025) was $1,153. 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 32 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 $75,000, this home is listed about 69% 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 32 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 #K4903814.
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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