47 WOODRUFF WAY, LAKE WALES, FL, 33898
Active11 days on marketListed Oct 1, 2026MLS #K4903822
About this home
47 WOODRUFF WAY
This 1/1 furnished and turnkey home is located in the premier 55+ gated community of Saddlebag Lake Resort, where you own the land. As a Homes of Merit trade show model, it was built with a lot of upgrades, including a built-in hutch cabinet in the dining room, and there are solid wood cabinets in the kitchen, bathroom, and bedroom. A new HVAC was installed in 2020 in the original section of the home, while a brand new mini-split system was just installed in the addition in 2026. Other recent upgrades include a new range (2023) and microwave (2022). The spacious laundry room has a utility sink and comes with a washer & dryer stack, plus there's a second refrigerator for all your extra food and drinks. The home is all on one level, no going up and down steps. Outside you'll find a 24' wide concrete driveway and patio (2010) so there's plenty of parking and room for outdoor entertaining. There's even an 8x12.5 shed with power, so you'll have a place to work on projects and store your tools. The awnings on all the windows bring maximum comfort, plus peace of mind during inclement weather. The location of this property is one of the highest elevations in the resort, so you'll sit high and dry even during the heaviest storm, and the 100 amp electric service gives you plenty of power. When you're ready to check out the amenities of the resort, take the golf cart, it, too, stays for the new owner (it was overhauled in 2024 and got new batteries). The resort has tons of amenities, all included in the low HOA dues of just $734.00 per quarter, so there's always something to do here. You can spend your days boating and fishing on Saddlebag Lake, relax in the hot tub, or take a dip in the community pool. Get to know your neighbors at the clubhouse with planned activities, or play a friendly game of tennis, pickle ball, shuffleboard or horse shoes. There's a fitness center, and a rec room with pool tables and saunas. Practice your swing at the driving range, or take your fur babies to the dog park at the back of the resort. There's an onsite post office, so you won't even have to leave to get your mail. Isn't it time you came home to Saddlebag Lake Resort? Call now to schedule your private tour and start living the good life today!
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
816
Sqft
0.09 ac
Lot size
1999
Year built
One
Levels
$108
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.
$1,082 /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
$1,082/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
−5.4%
$/sqft vs SADDLEBAG LAKE
$108 vs $149
Days on market
11 vs 84 typical
Where $108/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 37% 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 47 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$135,000
23 SADDLEBAG TRAIL · same community
2 bd · 2 ba · 816 sqft · $165/sqft · 142 DOM
Sold · Oct ’25$145,000
5 GRAYHACKLE STREET · same community
2 bd · 2 ba · 836 sqft · $173/sqft · 4 DOM
Sold · Jan ’26$140,000
106 SADDLEBAG TRAIL · same community
2 bd · 2 ba · 864 sqft · $162/sqft · 101 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
Leila Sabat
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 47 WOODRUFF WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 47 WOODRUFF WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Leila's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
47 WOODRUFF WAY FAQs
What would the monthly payment be for 47 WOODRUFF WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,082/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 47 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 47 WOODRUFF WAY?+
The most recent tax bill on record (2025) was $1,402. 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 47 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 $88,500, this home is listed about 64% 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 47 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 #K4903822.
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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