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Overview

3 bd2 ba1,056 sqftManufactured Home
TypeManufactured Home
HOA$680/qtr
Built2006
Lot4,500 sqft
Living area1,056 sqft
Price / sqft$161

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

About this home

Ceiling Fans(s)Eat-in KitchenPrimary Bedroom Main FloorThermostatCommunity MailboxDeed RestrictionsDog ParkFitness Center

5 Queen Of Waters St is a 2006-built home in Saddlebag Lake, Lake Wales. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,056 square feet of living space. Listed at $170,000 (about $161/sqft), 467 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $680 quarterly.

From the listing

This Clayton manufactured home has THREE bedrooms - a RARE FIND! There is plenty of room for the kids and grandkids to visit in this fully furnished and turnkey home. Located in the premier 55+ gated community of Saddlebag Lake Resort, you'll be living your best life here. The main living are has an open concept, so you can enjoy the company of your loved ones while preparing meals. Your guests will have their own bathroom with a tub and shower combo, while the owner's suite has it's own ensuite bathroom. There is a full-width screened porch at the back of the home so you can be outdoors and still have the comfort of bug-free living. You'll have no rear neighbors here as the home backs up to the woods. Other features include an inside laundry room complete with washer and dryer, and a two-car carport to keep your vehicles cool and dry. The resort is pet friendly, with a dog park at the back, so even your furry family members will feel right at home. Live like you're on vacation every day, with a sparkling community pool, a screen-enclosed hot tub, tennis and pickle ball courts, shuffleboard and horse shoes, a rec room with pool tables and saunas, a fitness center, boating and fishing in Saddlebag Lake, and more, and it's all included in the low quarterly HOA dues. There's even a post office onsite so you won't have to leave to get your mail. With so much to offer, this home won't last long so call now to schedule a private tour!

The essentials

Built
2006
Price / sqft
$161
On market
617 days
Annual tax
$1,869
HOA
$680/qtr
Flood zone
X · Low risk
Lot
4,500 sqft
Type
Manufactured Home

At a glance

Manufactured home
Built 2006
Community pool
Fitness center too
4,500 sqft lot
Lot size
1,056 sqft
Living area

Payment

Est. monthly payment
$1,354/mo
Down payment (20%)
$34,000
Property taxes
$156/mo
HOA
$680/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Manufactured Home
Year Built
2006
Lot
4,500 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
617
Ceiling Fans(s)
Eat-in Kitchen
Primary Bedroom Main Floor
Thermostat
Community Mailbox
Deed Restrictions
Dog Park
Fitness Center
Gated Community - No Guard
Golf Carts OK
Pool
Tennis Court(s)
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Flood Zone X
Annual Tax (2024)
$1,869
Parcel #
28-30-01-939020-031030

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
4,500 sqft
HOA
$680/qtr
Saddlebag Lake Owners Association

Price history

Date
Event
Price
3/13/2026
Price change
Source: Stellar MLS #K4902794
$170,000-10.9%
$161/sqft
1/30/2025
Listed for sale
Source: Stellar MLS #K4902794
$190,900
$181/sqft

Neighborhood

5 Queen Of Waters St
Lake Wales, FL, 33898 · 33898 - Lake Wales

Market insights

Offer Insights

Choose an offer strength

List price: $170,000
$167,500 – $170,000
98.6% – 100% of listTops out right at the list price
80% of listList price
67 of the last 132 home closings in 33898 landed at this number or higher (51%). The median one sat 75 days before it went under contract, and this one is on day 617 after a $20,900 cut.

Sample: 132 closed home sales in 33898 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$1,354/mo
Principal & interest$887
Property taxes$156
Insurance$85
HOA$227
Down payment20% · $34,000
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

$170,000

$161 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,056 sq ft

Time on market

617 days

Year built

2006

Monthly payment

About $1,354/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $1,869 annual tax bill, insurance, and the $680/qtr HOA fee.

HOA fee

$680/qtr

Managed by Saddlebag Lake Owners Association.

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 byBENDER REALTY, LLCListing agent: Kris BenderListing data from Stellar MLS, MLS# K4902794.

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