3832 Saddle Hill Trl, photo 1
Active
1 / 35

Overview

4 bd3 ba3,292 sqft3 car garageSingle Family
TypeSingle Family
HOA$125/mo
Built2026
Lot27,200 sqft
Living area3,292 sqft
Price / sqft$217
Garage3 car

Ask anything about this home

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

Ceiling Fans(s)Crown MoldingHigh CeilingsKitchen/Family Room ComboOpen FloorplanPest Guard SystemSolid Surface CountersSolid Wood Cabinets

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.

From the listing

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.

The essentials

Built
2026
Price / sqft
$217
On market
204 days
Annual tax
$605
HOA
$125/mo
Flood zone
X · Low risk
Lot
27,200 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
3 car garage
Driveway
0.62 acres
Lot size
3,292 sqft
Living area
Brand new
Built 2026

Payment

Est. monthly payment
$4,261/mo
Down payment (20%)
$142,980
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
27,200 sqft
Cooling
Central Air
Heating
Heat Pump
Parking
Driveway, Garage Door Opener
Days on Market
204
Ceiling Fans(s)
Crown Molding
High Ceilings
Kitchen/Family Room Combo
Open Floorplan
Pest Guard System
Solid Surface Counters
Solid Wood Cabinets
Thermostat
Tray Ceiling(s)
Walk-in Closet(s)
Window Treatments
Lighting
Outdoor Kitchen
Sidewalk
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 #
34-18-24-0400-000-01200

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
County
Lake
MLS Area
34731 - Fruitland Park
Lot Size
27,200 sqft
Cul-De-Sac
HOA
$125/mo
Melrose Management

Price history

Date
Event
Price
8/13/2026
Price change
Source: Stellar MLS #TB8488341
$714,900-3.4%
$217/sqft
3/19/2026
Listed for sale
Source: Stellar MLS #TB8488341
$739,900
$225/sqft

Neighborhood

3832 Saddle Hill Trl
Fruitland Park, FL, 34731 · 34731 - Fruitland Park

Market insights

Offer Insights

Choose an offer strength

List price: $714,900
$700,000 – $714,900
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 204 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
$4,261/mo
Principal & interest$3,728
Property taxes$50
Insurance$357
HOA$125
Down payment20% · $142,980
Interest rate6.80%
Loan term

Not sure what you can afford?

Put in your household income and we will tell you where this payment sits.

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.

Offer

What should I offer?

Have another question?

Brokered byLGI REALTY- FLORIDA, LLCListing agent: Gayle Van WagenenListing data from Stellar MLS, MLS# TB8488341.

Keep exploring Florida

Pick up where you left off, or see what else is out there.