3840 SADDLE HILL TRAIL, FRUITLAND PARK, FL, 34731
Active78 days on marketListed Aug 3, 2026MLS #TB8535507
About this home
3840 SADDLE HILL TRAIL
Under Construction. From the expansive ½-acre homesite to the covered outdoor kitchen, this Albany by Terrata Homes is designed for comfortable Florida living. This thoughtfully designed 4-bedroom, 2-bath home with a 2-car garage features an open-concept layout that seamlessly connects the family room, dining area, and kitchen, creating the perfect space for everyday living and entertaining. The kitchen comes complete with sought-after upgrades, including quartz countertops, stainless steel appliances, white cabinetry, a large center island, a tile backsplash, and matte black hardware. Extend your living space outdoors with the covered outdoor kitchen, ideal for hosting gatherings or enjoying Florida's year-round sunshine while taking advantage of the spacious backyard. The private owner's suite offers a walk-in closet, dual vanities, a soaking tub, and a separate walk-in shower. Additional features include luxury vinyl plank flooring in the main living areas, upgraded lighting and plumbing fixtures, blinds throughout, a separate laundry room, and a covered front porch. Located in Saddle Hill, residents enjoy a peaceful setting with convenient access to Lake Griffin, golf courses, shopping, dining, and everyday conveniences.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,642
Sqft
0.61 ac
Lot size
2
Garage
2026
Year built
One
Levels
$259
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.
$4,288 /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
$4,288/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
+3.7%
$/sqft vs Fruitland Park actives
$259 vs $192
Days on market
78 vs 70 typical
Where $259/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)
50 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 152% 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 3840 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 · Jul ’26$415,000
4133 BAIR AVENUE
4 bd · 2.5 ba · 2,695 sqft · $154/sqft · 159 DOM
Sold · Feb ’26$429,900
37445 GRAYS AIRPORT ROAD
4 bd · 2 ba · 2,496 sqft · $172/sqft · 50 DOM
Sold · Dec ’25$545,000
5035 MAGNOLIA RIDGE ROAD
4 bd · 2.5 ba · 2,892 sqft · $188/sqft · 12 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
Anealya Hammad
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3840 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 3840 SADDLE HILL TRAIL — before you fall in love.
See it in person
Schedule a tour
Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3840 SADDLE HILL TRAIL FAQs
What would the monthly payment be for 3840 SADDLE HILL TRAIL?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,288/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 3840 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 3840 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 3840 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 $684,900, this home is listed about 136% 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 3840 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 #TB8535507.
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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