94 SADDLEBAG TRAIL, LAKE WALES, FL, 33898
Active0 days on marketListed Sep 22, 2026MLS #L4965116
About this home
94 SADDLEBAG TRAIL
Welcome to 94 Saddlebag Trail, a beautifully remodeled 3-bedroom, 2-bath home being sold fully furnished in the 55+ Saddlebag Lake community in Lake Wales. Extensively updated in 2025, this move-in-ready home features new plumbing and electrical, new flooring, fresh paint, new windows, an updated kitchen and bathrooms, and a brand-new carport. Enjoy the laid-back Florida lifestyle in this gated community with 24-hour on-site security, centered around beautiful Saddlebag Lake with opportunities for fishing, community docks and boat slips. An impressive variety of amenities includes a swimming pool and hot tub, tennis and pickleball courts, a golf practice range, dog park, pavilion for events and gatherings, and RV storage. Whether you're looking for a full-time residence or a Florida getaway, this fully furnished and updated home offers a turnkey opportunity with plenty of ways to relax, stay active, and enjoy life at Saddlebag Lake. Everything is in place for you to settle in and start enjoying the Florida lifestyle from day one!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,610
Sqft
0.1 ac
Lot size
1988
Year built
One
Levels
$112
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 — not generic estimates.
$1,417 /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
$1,417/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
$112 vs $155
Days on market
0 vs 57 typical
Where $112/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% 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 94 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 · Feb ’26$188,000
30 SADDLEBAG TRAIL N · same community
3 bd · 2 ba · 1,152 sqft · $163/sqft · 40 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
Arlinda Gokyar
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 94 SADDLEBAG TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 94 SADDLEBAG TRAIL — before you fall in love.
See it in person
Schedule a tour
Live availability from Arlinda's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
94 SADDLEBAG TRAIL FAQs
What would the monthly payment be for 94 SADDLEBAG TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,417/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 94 SADDLEBAG TRAIL?+
The most recent tax bill on record (2025) was $1,413. 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 94 SADDLEBAG TRAIL?+
The listing reports pets: Yes. 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 30% 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 94 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.
The brief
Three things that matter here
01Positioned at the premium end
$180,000 runs 29% above the LAKE WALES 33898 median.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Fresh on the market
Listed today in a Lake Wales market that averages 57 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY · Thomas Pais, Jr. MLS #L4965116.
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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