Overview
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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
- 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
36798 Sundowner Trl is a 2026-built home in Saddle Hill, Fruitland Park. Inside you'll find 4 bedrooms, 2 bathrooms, and 2,642 square feet of living space. Listed at $669,900 (about $254/sqft), 205 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $125 monthly.
Rare ½-acre homesite! The Albany by Terrata Homes offers 4 bedrooms, 2 baths, and a 2-car garage with an open-concept design that seamlessly blends indoor and outdoor living. The covered outdoor kitchen is perfect for entertaining, weekend cookouts, or simply relaxing while enjoying the spacious backyard. Inside, this move-in-ready home includes sought-after upgrades at no extra cost, including quartz countertops, stainless steel appliances, white cabinetry, a large center island, a tile backsplash, matte black hardware, luxury vinyl plank flooring in the main living areas, upgraded lighting and plumbing fixtures, and blinds throughout. The private owner's suite features a walk-in closet, dual vanities, a soaking tub, and a separate walk-in shower. Located in Saddle Hill, residents enjoy a peaceful setting with convenient access to Lake Griffin, golf, shopping, dining, and everyday conveniences.
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The essentials
At a glance
Payment
Details
Districts can re-zone, so verify directly with the district before relying on these.
Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
Price history
Neighborhood
Market insights
Offer Insights
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Sample: 57 closed home sales in 34731 over the last 8 months, Stellar MLS. A starting point, not a guarantee.
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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
$669,900
$254 per sq ft
Beds and baths
4 beds, 2 baths
Size
2,642 sq ft
Time on market
205 days
Year built
2026
Monthly payment
About $4,004/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
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