Costs of owning

What it really costs to own in Florida.

Saddlebag Lake HOA fees

Lake Wales, Polk County · 33898, 33853

Homes in Saddlebag Lake (Lake Wales) pay a median $2,936 a year in HOA dues, about $245 a month, based on 35 listings. Half fall between $2,720 and $2,936. None of the listings we reviewed report a CDD.

HOA, median
$2,936/yr
About $245 a month
CDD, median
None reported
Property tax, median
$1,251/yr
Seller's bill; resets after a sale
Monthly, before mortgage
$349
HOA + tax at the medians

What the dues cover

  • Sewer91% of listings
  • Trash91% of listings
  • Water91% of listings
  • Security29% of listings
  • Pool26% of listings
  • Maintenance Grounds23% of listings

Amenities listed: Clubhouse, Pool, Shuffleboard Court, Pickleball Court(s), Tennis Court(s), Spa/Hot Tub.

Live inventory

For sale in Saddlebag Lake right now

34 active listings

12 Saddlebag Trl N
Active
Lot / Land for sale
$60,000
0 bath0.10 acre lot
12 Saddlebag Trl N
Lake Wales, FL, 33898
Brokered by KELLER WILLIAMS ISLAND LIFE REAL ESTATE
3 Grayhackle St
Active
House for sale
$120,000
2 bed1 bath744 sqft0.09 acre lot
3 Grayhackle St
Lake Wales, FL, 33898
Brokered by BENDER REALTY, LLC
47 Woodruff Way
Active
House for sale
$88,500
1 bed1 bath816 sqft0.09 acre lot
47 Woodruff Way
Lake Wales, FL, 33898
Brokered by BENDER REALTY, LLC
32 Saddlebag Trl
Active
House for sale
$75,000
1 bed1 bath760 sqft0.10 acre lot
32 Saddlebag Trl
Lake Wales, FL, 33898
Brokered by BENDER REALTY, LLC
4 Stonefly Cir
Active
House for sale
$129,000
2 bed2 bath864 sqft0.10 acre lot
4 Stonefly Cir
Lake Wales, FL, 33898
Brokered by BENDER REALTY, LLC
59 Beaverkill Dr
Active
House for sale
$182,000
3 bed2 bath1,068 sqft0.10 acre lot
59 Beaverkill Dr
Lake Wales, FL, 33898
Brokered by REMAX EXPERTS
94 Saddlebag Trl
Active
House for sale
$180,000
3 bed2 bath1,610 sqft0.10 acre lot
94 Saddlebag Trl
Lake Wales, FL, 33898
Brokered by KELLER WILLIAMS REALTY
54 Saddlebag Trl
Active
House for sale
$180,000
3 bed2 bath1,344 sqft0.10 acre lot
54 Saddlebag Trl
Lake Wales, FL, 33898
Brokered by BENDER REALTY, LLC
See all 34 Saddlebag Lake homes

Saddlebag Lake cost questions

How much are HOA fees in Saddlebag Lake?

Homes in Saddlebag Lake (Lake Wales) pay a median $2,936 a year in HOA dues, about $245 a month, based on 35 listings. Half fall between $2,720 and $2,936.

Does Saddlebag Lake have a CDD?

None of the listings we reviewed report a CDD. Check the tax bill on any home you're serious about: a CDD shows up there as a separate assessment.

What does it cost each month to own in Saddlebag Lake, before the mortgage?

HOA and property tax come to about $349 a month at the medians (property tax median $1,251 a year). Insurance and the mortgage come on top. Property tax resets after a sale under Florida's homestead rules, so a buyer's bill can be higher than the seller's.

Where do these numbers come from?

Stellar MLS via Repliers listings in Saddlebag Lake from January 2026 to October 2026: homes for sale now plus closed sales in that period, one data point per address (rentals excluded). Fees are converted to annual figures. Individual homes vary by association and home type, so confirm the exact fee on any home before you make an offer.

Source: Stellar MLS via Repliers, January 2026 to October 2026. Medians from 36 addressesin subdivisions matching “SADDLEBAG LAKE”, phases combined. Listing data is reported by listing agents and can be out of date. Updated 2026-10-11.

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