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Overview

4 bd3 ba3,389 sqft3 car garageSingle Family
TypeSingle Family
HOA$125/mo
Built2026
Lot29,731 sqft
Living area3,389 sqft
Price / sqft$214
Garage3 car

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

New construction · 2026

Different rules apply when you buy new

Build snapshot

Build year
2026
Builder
Ask the team — not on MLS
Community
SADDLE HILL SUB
Type
Single Family Residence

True monthly carry

HOA
~$125/mo
CDD bond
No CDD disclosed
Builder incentives
Ask — change weekly

What we'll do for you on a new build

Builder contract redlines

Builder contracts favor the builder. We mark up the clauses you should push back on before you sign.

11-month inspection

Your 1-year warranty expires quietly. We book an independent inspection at month 11 — saves $5K+ on average in caught defects.

Verified incentives

We verify the current builder incentives every time we walk a community. Rate buy-downs, design-center credits, closing costs — all itemized.

About this home

Ceiling Fans(s)Crown MoldingHigh CeilingsKitchen/Family Room ComboOpen FloorplanPest Guard SystemSolid Wood CabinetsStone Counters

3836 Saddle Hill Trl is a 2026-built home in Saddle Hill Sub, Fruitland Park. Inside you'll find 4 bedrooms, 3 bathrooms, and 3,389 square feet of living space. Listed at $724,900 (about $214/sqft), 111 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $125 monthly.

From the listing

Price improvement! Welcome to Waycross, a spacious and thoughtfully designed four-bedroom, three-bath home with a three-car garage, located in the new Saddle Hill community in Fruitland Park. From the inviting covered front porch to the wide, welcoming foyer, this home offers a seamless blend of comfort and functionality. The open-concept layout features expansive main living areas, where the family room, kitchen, and breakfast area flow together effortlessly—ideal for everyday living and entertaining. The kitchen showcases a large breakfast bar, walk-in pantry, quartz countertops, bright white cabinetry, stainless steel appliances, modern tile backsplash, and matte black hardware. A separate dining area provides additional space for formal or casual gatherings. French doors open to a covered outdoor kitchen, extending the living space and creating an ideal setting for outdoor relaxation or entertaining. A dedicated media room offers flexible space for a home theater, game room, or additional living area. The primary suite is located at the rear of the home for added privacy and features a spacious bedroom, spa-inspired bathroom with soaking tub, walk-in shower, and a large walk-in closet. Secondary bedrooms are well-positioned to provide comfort and flexibility for family or guests. Saddle Hill offers a peaceful, tree-lined setting while remaining conveniently close to shopping, dining, recreation, and everyday amenities. Enjoy nearby Lake Griffin, local golf courses, and the charm of surrounding communities.

The essentials

Built
2026
Price / sqft
$214
On market
167 days
Annual tax
$605
HOA
$125/mo
Flood zone
X · Low risk
Lot
29,731 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
3 car garage
0.68 acres
Lot size
3,389 sqft
Living area
Brand new
Built 2026

Payment

Est. monthly payment
$4,319/mo
Down payment (20%)
$144,980
Property taxes
$50/mo
HOA
$125/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2026
Lot
29,731 sqft
Cooling
Central Air
Heating
Heat Pump
Parking
-
Days on Market
167
Ceiling Fans(s)
Crown Molding
High Ceilings
Kitchen/Family Room Combo
Open Floorplan
Pest Guard System
Solid Wood Cabinets
Stone Counters
Thermostat
Tray Ceiling(s)
Walk-in Closet(s)
Window Treatments
Lighting
Outdoor Kitchen
Sidewalk
Sliding Doors
Community Mailbox
Sidewalks
Street Lights
Built-in Oven
Cooktop
Dishwasher
Disposal
Electric Water Heater
Exhaust Fan
Microwave
Range
Range Hood
Refrigerator
Elementary
Fruitland Park Elem
Middle
Carver Middle
High
Leesburg High

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone X
Annual Tax (2025)
$605
Parcel #
34-18-24-0400-000-01300

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
Saddle Hill Sub
County
Lake
MLS Area
34731 - Fruitland Park
Lot Size
29,731 sqft
HOA
$125/mo
Melrose Management

Price history

Date
Event
Price
8/14/2026
Price change
Source: Stellar MLS #G5111458
$724,900-3.3%
$214/sqft
4/25/2026
Listed for sale
Source: Stellar MLS #G5111458
$749,900
$221/sqft

Neighborhood

3836 Saddle Hill Trl
Fruitland Park, FL, 34731 · 34731 - Fruitland Park

Market insights

Offer Insights

Choose an offer strength

List price: $724,900
$710,000 – $724,900
98.2% – 100% of listTops out right at the list price
80% of listList price
29 of the last 57 home closings in 34731 landed at this number or higher (51%). The median one sat 40 days before it went under contract, and this one is on day 167 after a $25,000 cut.

Sample: 57 closed home sales in 34731 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$4,319/mo
Principal & interest$3,781
Property taxes$50
Insurance$362
HOA$125
Down payment20% · $144,980
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

$724,900

$214 per sq ft

Beds and baths

4 beds, 3 baths

Size

3,389 sq ft

Time on market

167 days

Year built

2026

Monthly payment

About $4,319/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $605 annual tax bill, insurance, and the $125/mo HOA fee.

HOA fee

$125/mo

Managed by Melrose Management.

Flood zone

Zone X

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

Offer

What should I offer?

Have another question?

Brokered byWATSON REALTY CORPListing agent: Beth StoothoffListing data from Stellar MLS, MLS# G5111458.

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