

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
3845 Saddle Hill Trl is a 2026-built home in Saddle Hill Sub, Fruitland Park. Inside you'll find 4 bedrooms, 3 bathrooms, and 3,389 square feet of living space. Listed at $734,900 (about $217/sqft), 38 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $125 monthly.
Under Construction. The Waycross is a spacious four bedroom, three-bath home designed to balance open living with private retreats. A welcoming foyer leads into expansive main living areas where the family room, kitchen and breakfast area come together in one impressive gathering space. The kitchen features quartz countertops, stainless steel appliances, abundant cabinetry and a large breakfast bar ideal for casual meals and entertaining. A dedicated media room adds versatility and creates the perfect setting for movie nights or game day celebrations. The master retreat is privately positioned at the rear of the home and includes a spa-inspired bath with soaking tub, walk-in shower and a spacious walk-in closet. French doors open to a covered outdoor kitchen that extends the living space outdoors. Complete with designer finishes and premium upgrades included throughout, the Waycross offers elevated living with room to grow.
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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
$734,900
$217 per sq ft
Beds and baths
4 beds, 3 baths
Size
3,389 sq ft
Time on market
67 days
Year built
2026
Monthly payment
About $4,376/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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