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$180,000

54 SADDLEBAG TRAIL, LAKE WALES, FL 33898

3D Tour
Active27 days on market

Beds

3

Baths

2

Sq Ft

1,344 sq ft

Year Built

2006

Lot Size

0.10 acres

Garage

—

About This Property

Rare Find! Turnkey 3BR/2BA manufactured home in the 55+ community of Saddlebag Lake Resort, where YOU OWN THE LAND! Step inside to a completely stress-free transition; this home comes fully furnished and turn-key. The large kitchen has plenty of cabinets and counter space, with a built-in desk and adjacent dining area. The owners suite has a large walk-in closet and ensuite bathroom, with an easy step-up tub and shower combo. Your visiting family members will be comfortable on the other side of the home in either of the two guest bedrooms, and their own bathroom. The thoughtful layout is designed for both relaxation and entertaining, highlighted by a spectacular, full-width family room spanning the entire back of the home. This expansive bonus space is bathed in natural light and provides the perfect backdrop for hosting guests or just unwinding. Privacy is paramount here, as the property features no rear neighbors, giving you a quiet, serene retreat. The exterior is engineered for pure relaxation - the entire yard is beautifully stoned for maximum curb appeal with absolute minimum maintenance. When you can pull yourself away from the home to check out the amenities, you'll find so much to do you'll feel like you're on vacation every day! Enjoy a swim in the crystal clear pool, relax in the hot tub, play a game of tennis or pickle ball, or practice your swing at the driving range. Of course you may want to spend your days boating and fishing in Saddlebag Lake, working out in the fitness center, or playing a friendly game of pool in the rec room. The low quarterly HOA dues covers it all, plus your water, sewer and trash pick-up. The resort is pet friendly - your fur babies will love it here while running around at the dog park! There's a post office onsite so you won't even have to leave the resort to get your mail. Perfect for year-round living or a winter getaway, you'll be living the dream. Call now to schedule a tour before this gem is gone!

Property Overview

Property TypeResidential
Sub TypeManufactured Home
MLS #K4903794
StatusActive
Year Built2006
Total Rooms5
ConstructionVinyl Siding
RoofMetal
FoundationCrawlspace
FacesSoutheast
SubdivisionSADDLEBAG LAKE
CountyPolk
OwnershipFee Simple
FurnishedTurnkey

Interior Features

InteriorCeiling Fan(s), Open Floorplan
FlooringLaminate
AppliancesDryer, Range, Refrigerator, Washer
LaundryInside
CoolingCentral Air
HeatingCentral
SecurityGated Community

Exterior & Lot

ExteriorAwning(s), Rain Gutters
Other StructuresShed(s)
Lot Size0.10 acres (4,517 sq ft)
Lot FeaturesIn County
Road SurfaceAsphalt
0

Utilities

WaterPrivate
SewerPrivate Sewer
UtilitiesElectricity Connected, Sewer Connected, Water Connected

Parking

GarageNo

HOA & Community

HOAYes
HOA Fee$734 / Quarterly
Senior CommunityYes

Financial Details

List Price$180,000
Annual Taxes$2,138 (2025)
FinancingCash, Conventional, FHA, USDA Loan, VA Loan
ZoningPUD
Parcel #283001939010004070

Directions

From Lake Wales, drive east on Hwy. 60 to Saddlebag Lake Rd (see resort sign) and make a left. Follow to the parking lot, get out of your vehicle and press the Call button at the right of the gate, someone will answer you. Tell them who you are and where you are going, they will let you through the gate remotely. Once inside, follow Saddlebag Trail to the home, it will be on the left.

Location

54 SADDLEBAG TRAIL, LAKE WALES, FL 33898

Listing Information

OfficeBENDER REALTY, LLC
ListedSeptember 16, 2026

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Preferred Time

Scheduling is free, and you can cancel anytime.

Home Price

$180,000

20% ($36,000)
6.75%

Loan Term

Principal & Interest$934
Property Tax (est.)$165
Insurance (est.)$150
Total Monthly$1,249
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How to Buy This Home

Multiple financing options available for this $180,000 home in LAKE WALES.

🏛️

FHA Loan

$6,300 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$9,000 Down

Traditional financing. As low as 3-5% down with good credit.

🌾

USDA Loan

$0 Down

Zero down for eligible rural areas. Income limits apply.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Polk County SHIP

Varies

Income-qualifying Polk residents

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.

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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. IDX information is provided exclusively for consumers' personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data last updated: October 14, 2026.

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