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Overview

4 bd3 ba3,389 sqft3 car garageSingle Family
TypeSingle Family
HOA$125/mo
Built2026
Lot22,980 sqft
Living area3,389 sqft
Price / sqft$217
Garage3 car

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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

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

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.

From the listing

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.

The essentials

Built
2026
Price / sqft
$217
On market
67 days
Annual tax
$605
HOA
$125/mo
Flood zone
X · Low risk
Lot
22,980 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
3 car garage
Driveway
0.52 acres
Lot size
3,389 sqft
Living area
Brand new
Built 2026

Payment

Est. monthly payment
$4,376/mo
Down payment (20%)
$146,980
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
22,980 sqft
Cooling
Central Air
Heating
Heat Pump
Parking
Driveway, Garage Door Opener
Days on Market
67
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
Ice Maker
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 #
34-18-24-0400-000-01600

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 Sub
County
Lake
MLS Area
34731 - Fruitland Park
Lot Size
22,980 sqft
Cul-De-Sac
HOA
$125/mo
Melrose Management

Price history

Date
Event
Price
9/10/2026
Price change
Source: Stellar MLS #TB8535585
$734,900-2.0%
$217/sqft
-
Price change
Source: Stellar MLS #TB8535585
$749,900-6.3%
$221/sqft
8/3/2026
Listed for sale
Source: Stellar MLS #TB8535585
$799,900
$236/sqft

Neighborhood

3845 Saddle Hill Trl
Fruitland Park, FL, 34731 · 34731 - Fruitland Park

Market insights

Offer Insights

Choose an offer strength

List price: $734,900
$720,000 – $734,900
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 67 after a $65,000 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
$4,376/mo
Principal & interest$3,833
Property taxes$50
Insurance$367
HOA$125
Down payment20% · $146,980
Interest rate6.80%
Loan term

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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.

Offer

What should I offer?

Have another question?

Brokered byLGI REALTY- FLORIDA, LLCListing agent: Gayle Van WagenenListing data from Stellar MLS, MLS# TB8535585.

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