12 Saddlebag Trl N, photo 1
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Overview

0 baLand
TypeLand
HOA$734/qtr
Lot4,238 sqft

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Dog ParkGolf Carts OK

12 Saddlebag Trl N is a home in Saddlebag Lake, Lake Wales. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $734 quarterly.

From the listing

Own your land in Saddlebag Lake Resort, a 55+ golf cart community of 790 parcels in Lake Wales. This lot at 12 Saddlebag Trl N, Lake Wales is ready for your RV or manufactured home, with electric, water and sewer already connected, a paved street out front and a storage shed that stays. The back of the lot offers a private setting. Days here are as full or as easy as you like: a swimming pool with water aerobics, a hot tub and sauna, a clubhouse with full kitchen, tennis and pickleball courts, shuffleboard, a golf range, an exercise building, library, dog park, an open-air beach house, and a marina with fishing, a boat launch and dock on Saddlebag Lake. A fenced and locked storage area gives owners a place to keep RVs, boats and sheds. Cats and dogs are welcome. The calendar runs from cards, crafts and bingo to dancing, music jams and community dinners.

The essentials

On market
2 days
Annual tax
$625
HOA
$734/qtr
Flood zone
X · Low risk
Lot
4,238 sqft
Type
Land

At a glance

Payment

Est. monthly payment
$640/mo
Down payment (20%)
$12,000
Property taxes
$52/mo
HOA
$734/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Land
Year Built
-
Lot
4,238 sqft
Cooling
-
Heating
-
Parking
-
Days on Market
2
Dog Park
Golf Carts OK
Flood Zone X
Annual Tax (2025)
$625
Parcel #
28-30-01-939020-039270

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Saddlebag Lake
County
Polk
MLS Area
33898 - Lake Wales
Lot Size
4,238 sqft
Paved
HOA
$734/qtr
Stambaugh Inc - Tanisha Schroeder

Price history

Date
Event
Price
10/7/2026
Listed for sale
Source: Stellar MLS #D6149053
$60,000

Neighborhood

12 Saddlebag Trl N
Lake Wales, FL, 33898 · 33898 - Lake Wales

Calculator

Est. monthly payment
$640/mo
Principal & interest$313
Property taxes$52
Insurance$30
HOA$245
Down payment20% · $12,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$60,000

Time on market

2 days

Monthly payment

About $640/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $625 annual tax bill, insurance, and the $734/qtr HOA fee.

HOA fee

$734/qtr

Managed by Stambaugh Inc - Tanisha Schroeder.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Have another question?

Brokered byKELLER WILLIAMS ISLAND LIFE REAL ESTATEListing agent: Audrey Smith PAListing data from Stellar MLS, MLS# D6149053.

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