

Overview
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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
3832 Saddle Hill Trl is a 2026-built home in Saddle Hill, Fruitland Park. Inside you'll find 4 bedrooms, 3 bathrooms, and 3,292 square feet of living space. Listed at $714,900 (about $217/sqft), 81 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $125 monthly.
Introducing the Mantle at Saddle Hill by Terrata Homes – Fruitland Park The Mantle is a statement of refined living—expansive, intentional, and thoughtfully crafted for the way modern families experience home. Located within the highly anticipated Saddle Hill community, this four-bedroom, three-and-a-half-bath residence with a three-car garage offers a seamless blend of sophistication, comfort, and functionality. From the moment you enter, a grand foyer draws you into an impressive open-concept living space, where the family room serves as the centerpiece—framed by natural light and effortless access to the covered outdoor living area beyond. Every element of this home is designed to feel both elevated and livable, offering space to gather, unwind, and entertain without compromise. At the heart of the home, the designer kitchen commands attention with a striking angled island that anchors the space with both style and purpose. Overlooking the breakfast area and expansive family room, this culinary space is as beautiful as it is functional. Quartz countertops, bright white cabinetry, stainless steel appliances, a modern tile backsplash, and matte black hardware create a clean, cohesive aesthetic, while a generous walk-in pantry ensures effortless organization. A formal dining room just off the foyer offers a refined setting for hosting, while the dedicated media room provides a private escape for movie nights and relaxed evenings. A thoughtfully placed tech area near the owner’s suite adds an additional layer of everyday convenience—perfect for work, study, or staying connected. French doors open to a covered outdoor kitchen, extending the living experience beyond the walls of the home and creating an ideal setting for year-round entertaining under the Florida sky. Privately positioned at the rear of the home, the owner’s suite is a true retreat—designed for rest and rejuvenation. The spacious bedroom offers a serene escape, while the spa-inspired bathroom features a soaking tub, walk-in shower, and an expansive vanity that elevates your daily routine. A large walk-in closet provides ample storage with a boutique-inspired feel. Throughout the home, every finish reflects a commitment to quality and design. Luxury vinyl plank flooring spans the main living areas, complemented by elevated lighting and plumbing fixtures, refined architectural trim details, and blinds throughout—delivering a fully complete, move-in-ready home with no detail overlooked. Saddle Hill is set among the tranquil, tree-lined landscapes of Fruitland Park, offering a peaceful, elevated lifestyle with close proximity to the scenic shores of Lake Griffin, championship golf courses, charming cafés, boutique shopping, local dining, farmers markets, art walks, and live music. It is a community where natural beauty and curated living come together effortlessly.
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The essentials
At a glance
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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
$714,900
$217 per sq ft
Beds and baths
4 beds, 3 baths
Size
3,292 sq ft
Time on market
204 days
Year built
2026
Monthly payment
About $4,261/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.
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