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 SUB
- 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
3849 Saddle Hill Trl is a 2026-built home in Saddle Hill Sub, Fruitland Park. Inside you'll find 4 bedrooms, 2 bathrooms, and 2,115 square feet of living space. Listed at $594,900 (about $281/sqft), 42 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $125 monthly.
Under Construction. Enjoy peaceful backyard views from the kitchen sink in this thoughtfully designed Leland by Terrata Homes. This 4-bedroom, 2-bath home with a 2-car garage features an open-concept layout where the spacious family room, dedicated dining area, and well-appointed kitchen come together for effortless everyday living. The kitchen is complete with quartz countertops, white cabinetry, stainless steel appliances, a large center island, upgraded fixtures, and a sink perfectly positioned to overlook the covered outdoor kitchen and backyard. Step outside to enjoy an outdoor living space designed for entertaining, grilling, or relaxing year-round. The private owner's suite offers two walk-in closets, dual vanities, and a spacious walk-in shower. Additional highlights include luxury vinyl plank flooring throughout the main living areas, a dedicated laundry room, a covered front porch, and blinds throughout. 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
$594,900
$281 per sq ft
Beds and baths
4 beds, 2 baths
Size
2,115 sq ft
Time on market
67 days
Year built
2026
Monthly payment
About $3,576/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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