




3840 SADDLE HILL TRAIL, Fruitland Park, FL, 34731
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
Schools
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
- Strong Wind
- Tornado
- Hurricane
- Inland Flooding
- Wildfire
How This Home’s Risks Compare
FEMA Declared Disasters in Lake County and Florida
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,655 | $43,860 |
| Home Insurance * | $501 | $6,012 |
| Property Taxes | $799 | $9,588 |
| Electricity | $265 | $3,190 |
| Total | $5,220 | $62,640 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-03 | Listed for sale | $722,900 |
