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3840 SADDLE HILL TRAIL, Fruitland Park, FL, 34731

4beds
2baths
2,642sqft
$722,900
$274price/sqft
$5,220/moest. monthly cost
$208,800/yrincome needed

About This Home

Under Construction. Introducing the Albany at Saddle Hill by Terrata Homes – Fruitland Park Welcome to the Albany, a thoughtfully designed four-bedroom, two-bath home located in the brand-new Saddle Hill community in Fruitland Park. From the moment you step inside, the home welcomes you with a sense of balance and openness. A central foyer creates the ideal entry point, guiding you into a spacious family room that anchors the entire home. The open-concept layout seamlessly connects the kitchen, dining, and family room, creating a comfortable and inviting space for both everyday living and entertaining. The kitchen overlooks the family room and features a large center island, quartz countertops, bright white cabinetry, stainless steel appliances, a modern tile backsplash, and matte black hardware. The adjacent dining room offers a cozy yet open setting for family dinners and celebrations. Sliding glass doors lead to the expansive covered outdoor kitchen, extending your living space outdoors and creating the perfect setting for relaxing evenings or entertaining guests. A welcoming covered front porch adds even more charm and curb appeal. The private owner’s suite is tucked into the back corner of the home, offering a quiet retreat away from the main living areas. Generously sized and filled with natural light, the bedroom provides a peaceful place to unwind. The spa-inspired bathroom features a soaking tub, walk-in shower, dual vanities, and a spacious walk-in closet designed for both comfort and convenience. Secondary bedrooms are located along separate hallways, creating natural separation between living and resting spaces. Additional features include luxury vinyl plank flooring throughout the main living areas, upgraded lighting and plumbing fixtures, refined trim details, blinds throughout the home, a separate laundry room, and a two-car garage. Every detail has been thoughtfully selected to deliver a polished, move-in-ready home with no upgrades required. Saddle Hill is nestled among the quiet, tree-lined landscapes of Fruitland Park, offering a peaceful setting while still being close to everything you need. Just minutes away, enjoy the scenic shores of Lake Griffin, beautiful golf courses, charming local cafés, boutiques, restaurants, farmers markets, art walks, and live music events. Here, small-town charm meets thoughtfully elevated living. Book an appointment and experience this beautiful new community for yourself.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

3/10
Carver Middle SchoolGrades 6-83.9 mi
2/10
Leesburg High SchoolGrades 9-125.3 mi

Construction

Condition

  • Property condition: Under Construction
  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Block,Stucco

Other

  • Builder model: Albany
  • Builder name: LGI HOMES

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Oven,Cooktop,Dishwasher,Disposal,Electric Water Heater,Exhaust Fan,Ice Maker,Microwave,Range,Range Hood,Refrigerator
  • Laundry features: Electric Dryer Hookup,Inside,Laundry Room,Washer Hookup

Bathroom2

  • Level: First
  • Area: 77
  • Dimensions: 7x11

Bedroom2

  • Features: Walk-In Closet(s)
  • Level: First
  • Area: 130
  • Dimensions: 10x13

Bedroom3

  • Features: Built-in Closet
  • Level: First
  • Area: 143
  • Dimensions: 11x13

Bedroom4

  • Features: No Closet
  • Level: First
  • Area: 143
  • Dimensions: 13x11

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: First
  • Area: 143
  • Dimensions: 13x11

Features

  • Ceiling Fan(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)
  • Door features: Outdoor Kitchen,Sliding Doors
  • Window features: Window Treatments
  • Flooring: Carpet,Luxury Vinyl

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,419
  • Total interior livable area: 2,642 sqft

Kitchen

  • Level: First
  • Area: 266
  • Dimensions: 14x19

Living Room

  • Level: First
  • Area: 414
  • Dimensions: 18x23

Primary Bathroom

  • Features: Dual Sinks,Walk-In Closet(s)
  • Level: First
  • Area: 182
  • Dimensions: 14x13

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: First
  • Area: 320
  • Dimensions: 16x20

Utility Room

  • Level: First
  • Area: 42
  • Dimensions: 6x7

Property

Details

  • Parcel number: 341824040000001400
  • Zoning: R-2
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Front Porch,Patio,Porch,Rear Porch
  • Exterior features: Irrigation System,Lighting,Outdoor Kitchen,Sidewalk
  • Residential vegetation: Mature Landscaping,Trees/Landscaped

Lot

  • Lot size: 0.61 Acres
  • Features: Cul-De-Sac,Oversized Lot

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Tornado
Hurricane
Inland Flooding
Wildfire

FEMA Declared Disasters in Lake County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,655$43,860
Home Insurance *$501$6,012
Property Taxes $799$9,588
Electricity $265$3,190
Total$5,220$62,640
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$178,971/yr
40% on housing$156,600/yr
45% on housing$139,200/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 14.9%
14.9%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$274This listing

vs Other Active Listings

Avg $/sqft

ZIP 34731$103
Lake County$156

vs Homes Sold Last Month

Median $/sqft

ZIP 34731$170
Lake County$206

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-03Listed for sale$722,900

New Construction

AgentGayle Van Wagenen
BrokerageLGI REALTY- FLORIDA, LLC

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