3849 SADDLE HILL TRAIL, FRUITLAND PARK, FL, 34731
Active78 days on marketListed Aug 3, 2026MLS #TB8535325
About this home
3849 SADDLE HILL TRAIL
Under Construction. Enjoy peaceful backyard views from the kitchen sink in this thoughtfully designed Leland by Terrata Homes. This 4-bedroom, 2-bath home with a 2-car garage features an open-concept layout where the spacious family room, dedicated dining area, and well-appointed kitchen come together for effortless everyday living. The kitchen is complete with quartz countertops, white cabinetry, stainless steel appliances, a large center island, upgraded fixtures, and a sink perfectly positioned to overlook the covered outdoor kitchen and backyard. Step outside to enjoy an outdoor living space designed for entertaining, grilling, or relaxing year-round. The private owner's suite offers two walk-in closets, dual vanities, and a spacious walk-in shower. Additional highlights include luxury vinyl plank flooring throughout the main living areas, a dedicated laundry room, a covered front porch, and blinds throughout. Located in Saddle Hill, residents enjoy a peaceful setting with convenient access to Lake Griffin, golf, shopping, dining, and everyday conveniences.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,115
Sqft
0.65 ac
Lot size
2
Garage
2026
Year built
One
Levels
$281
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.
$3,769 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$3,769/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+9.9%
$/sqft vs Fruitland Park actives
$281 vs $196
Days on market
78 vs 70 typical
Where $281/sqft sits among the 80 Fruitland Park actives
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 Fruitland Park
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Fruitland Park. See the full Fruitland Park guide →
FRUITLAND PARK 34731 — neighborhood snapshot
Population
12,239
Median age
48.7
Median income
$63,329
Median home value
$185,900
Avg household
2.4
Households w/ children
978
For the school run
Lake County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Fruitland Park market
$345K → $284K
Fruitland Park median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
49 of 80
Fruitland Park actives have cut their price
Median sold price, Fruitland Park, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 119% above the FRUITLAND PARK 34731 median. See the full Fruitland Park market guide →
Paper trail
This home's history
Reality check
What actually sold near 3849 SADDLE HILL TRAIL
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$490,000
3924 WOODPECKER DRIVE
3 bd · 2 ba · 1,988 sqft · $246/sqft · 56 DOM
Sold · Aug ’26$450,000
4215 WILLIAMS STREET
4 bd · 2 ba · 1,939 sqft · $232/sqft · 31 DOM
Sold · Jun ’26$355,000
403 EDITH DRIVE
4 bd · 2 ba · 1,864 sqft · $190/sqft · 68 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
Kathy Miller
real estate agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3849 SADDLE HILL TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3849 SADDLE HILL TRAIL — before you fall in love.
See it in person
Schedule a tour
Live availability from Kathy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3849 SADDLE HILL TRAIL FAQs
What would the monthly payment be for 3849 SADDLE HILL TRAIL?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,769/mo — principal and interest, the actual property-tax bill, the $125/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 3849 SADDLE HILL TRAIL?+
The association fee works out to $125 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3849 SADDLE HILL TRAIL?+
The most recent tax bill on record (2025) was $605. 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 3849 SADDLE HILL 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 Fruitland Park?+
At $594,900, this home is listed about 105% above the Fruitland Park median of $289,900. The market section on this page shows how the area is trending.
Which schools are assigned to 3849 SADDLE HILL TRAIL?+
Fruitland Park Elementary School (elementary), Carver Middle School (middle), Leesburg High School (high) — Lake County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of LGI REALTY- FLORIDA, LLC · Gayle Van Wagenen. MLS #TB8535325.
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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