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Overview

2 bd2 ba864 sqftManufactured Home
TypeManufactured Home
HOA$680/qtr
Built2005
Lot4,500 sqft
Living area864 sqft
Price / sqft$208

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

About this home

Ceiling Fans(s)High CeilingsLiving Room/Dining Room ComboPrimary Bedroom Main FloorThermostatRain GuttersClubhouseDog Park

12 Saddlebag Trl is a 2005-built home in Saddlebag Lake, Lake Wales. Inside you'll find 2 bedrooms, 2 bathrooms, and 864 square feet of living space. Listed at $179,900 (about $208/sqft), 95 days on market. Flood zone AE - confirm flood insurance requirements with your lender. HOA runs $680 quarterly.

From the listing

Located in the highly sought-after 55+ gated community of Saddlebag Lake Resort, this beautifully maintained Jacobsen 2-bedroom, 2-bath manufactured home is being offered fully furnished and is ready for you to enjoy from day one. Designed for both comfort and convenience, the home features attractive Pergo laminate flooring throughout the main living areas, offering style and easy maintenance. The well-appointed kitchen is equipped with a full suite of stainless-steel appliances, including a glass-top range, double-door refrigerator with ice maker and water dispenser, dishwasher, and microwave. Adjacent to the kitchen, the dining area features a table and chairs and a built-in cabinet, adding both character and convenient storage. One of the home's standout features is the spacious bonus room at the rear, providing the perfect space for a home office, craft room, hobby area, or additional living space. Outside, you'll find even more to love. A two-car carport offers ample covered parking, while a full-length covered walkway with durable composite decking leads to a relaxing, screened porch overlooking the backyard—an ideal spot to enjoy your morning coffee or unwind in the evening. Outside, you'll find even more to love. A two-car carport offers ample covered parking, while a full-length covered walkway with durable composite decking leads to a relaxing screened porch overlooking the backyard—an ideal spot to enjoy your morning coffee or unwind in the evening. The low HOA fee includes water, sewer, garbage collection, and access to an impressive array of resort-style amenities. Residents enjoy a welcoming clubhouse with planned social activities, a sparkling community pool, screened hot tub, covered professional-grade shuffleboard courts, tennis and pickleball courts, horseshoe pits, and a recreation center featuring pool tables, fitness equipment, and a sauna. Outdoor enthusiasts will appreciate boating and fishing on beautiful Saddlebag Lake, relaxing on the community beach, or reserving the beach house for private gatherings. The pet-friendly community also features a dedicated dog park conveniently located near the driving range. Additional conveniences include an on-site post office and library. If you're looking for an active, carefree Florida lifestyle in a vibrant waterfront community, this exceptional home checks all the boxes. Schedule your private showing today—this exceptional home won't last long, and you won't want to miss the opportunity to make it yours!

The essentials

Built
2005
Price / sqft
$208
On market
95 days
Annual tax
$2,084
HOA
$680/qtr
Flood zone
AE
Lot
4,500 sqft
Type
Manufactured Home

At a glance

Manufactured home
Built 2005
Community pool
Fitness center too
4,500 sqft lot
Lot size
864 sqft
Living area

Payment

Est. monthly payment
$1,429/mo
Down payment (20%)
$35,980
Property taxes
$174/mo
HOA
$680/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Manufactured Home
Year Built
2005
Lot
4,500 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
95
Ceiling Fans(s)
High Ceilings
Living Room/Dining Room Combo
Primary Bedroom Main Floor
Thermostat
Rain Gutters
Clubhouse
Dog Park
Fitness Center
Golf Carts OK
Pool
Tennis Court(s)
Dishwasher
Dryer
Microwave
Range
Refrigerator
Washer
Flood Zone AE
Annual Tax (2025)
$2,084
Parcel #
28-30-01-939010-004280

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
Tanisha Schroeder

Price history

Date
Event
Price
7/16/2026
Listed for sale
Source: Stellar MLS #P4939315
$179,900
$208/sqft

Neighborhood

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

Market insights

Offer Insights

Choose an offer strength

List price: $179,900
$177,500 – $179,900
98.6% – 100% of listTops out right at the list price
80% of listList price
73 of the last 144 home closings in 33898 landed at this number or higher (51%). The median one sat 74 days before it went under contract, and this one is on day 95.

Sample: 144 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
$1,429/mo
Principal & interest$938
Property taxes$174
Insurance$90
HOA$227
Down payment20% · $35,980
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 includes any condo dues 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

$179,900

$208 per sq ft

Beds and baths

2 beds, 2 baths

Size

864 sq ft

Time on market

95 days

Year built

2005

Monthly payment

About $1,429/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,084 annual tax bill, insurance, and the $680/qtr HOA fee.

HOA fee

$680/qtr

Managed by Tanisha Schroeder.

Flood zone

Zone AE

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Offer

What should I offer?

Have another question?

Brokered byWATSON REALTY CORP.Listing agent: Sandra PerryListing data from Stellar MLS, MLS# P4939315.

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