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27 SADDLEBAG TRAIL S, Lake Wales, FL, 33898

1beds
1baths
1,078sqft
$99,000
$92price/sqft
$869/moest. monthly cost
$34,760/yrincome needed

About This Home

This spacious home in the premier 55+ gated community of Saddlebag Lake Resort, where you own the land, is just waiting for its new owner! Situated on a shaded corner lot, there is plenty of parking with a driveway at both the front and the rear of the home. Upon entering the front door, you'll find a large family room that's perfect for entertaining company, with a table for playing cards and comfortable seating for enjoying conversation. The huge living room is outfitted with an office nook and daybed, in addition to the new La-Z-Boy recliner. You'll love the kitchen, with it's double sinks, ample counter space and cabinets, and even a window seat. The bedroom comes complete with two electric-adjustable single beds. There's even a laundry closet with a washer and dryer stack. When you're ready to venture out, check out all this pet-friendly resort has to offer! There's a clubhouse where you can get to know your neighbors, a heated community pool, hot tub, rec room with pool tables, fitness equipment and saunas, tennis, pickle ball and shuffleboard courts, horse shoes, a driving range, and a beach house with a fully equipped kitchen that you can reserve for private lakefront parties. Of course, you can access the lake at the community boat ramp to go boating and fishing. You will live like you're on vacation every day! All of these amenities are included in the low quarterly HOA dues, as are your water, sewer and trash pickup - what a deal! There's even a post office on site, so you won't have to leave the resort to get your mail. You owe it to yourself to check this out before it's gone, so call now for your private tour!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1989

Materials

  • Foundation: Crawlspace,Slab
  • Roof: Metal
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home,Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Range,Refrigerator,Washer
  • Laundry features: Laundry Closet

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Level: Second
  • Area: 92.8125
  • Dimensions: 8.25x11.25

Family Room

  • Level: First
  • Area: 381.28
  • Dimensions: 16x23.83

Features

  • Ceiling Fan(s)
  • Flooring: Carpet,Laminate
  • Fireplace features: Electric
  • Fireplace: Yes
  • Common walls with other units/homes: Corner Unit

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,078
  • Total interior livable area: 1,078 sqft

Kitchen

  • Level: Second
  • Area: 145.75
  • Dimensions: 11.66x12.5

Living Room

  • Level: First

Primary Bedroom

  • Features: Built-in Closet
  • Level: Second
  • Area: 98.4375
  • Dimensions: 8.75x11.25

Property

Details

  • Parcel number: 283001939020038010
  • Zoning: PUD
  • Special condition: None

Features

  • Levels: Two
  • Stories: 2
  • Exterior features: Awning(s)
  • Waterfront features: Lagoon Access,Lake Privileges
  • Waterbody name: SADDLEBAG LAKE

Lot

  • Lot size: 4,883 sqft

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

  • Strong Wind
    Strong WindVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Wildfire
    WildfireRelatively High
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Strong Wind
Cold Wave
Hurricane
Lightning
Wildfire
Drought
Hail
Inland Flooding

FEMA Declared Disasters in Polk 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 $500$6,000
Home Insurance *$112$1,344
Property Taxes $60$720
Electricity $197$2,366
Total$869$10,428
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$29,794/yr
40% on housing$26,070/yr
45% on housing$23,173/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: 11.8%
11.8%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 6.0%
6.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$92This listing

vs Other Active Listings

Avg $/sqft

ZIP 33898$127
Polk County$134

vs Homes Sold Last Month

Median $/sqft

ZIP 33898$187
Polk County$179

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)

No zestimate history available

Price History

DateEventPrice
2026-03-13Listed for sale$99,000
2026-02-10Listing removed$109,900
2025-10-20Price change$109,900
2025-07-31Price change$119,900
2025-02-01Listed for sale$125,000

For Sale by Agent

AgentKris Bender
BrokerageBENDER REALTY, LLC

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