8 NIGHT OWL CIRCLE, Lake Wales, FL, 33898 | $170,000

Looking for the perfect home in a gated 55+ community? Here at Saddlebag Lake Resort, you own the land your home is on, so look no further than this charming and cozy 2/2 Jacobson home built in 2012. Fully furnished and move-in ready, this home has a BRAND NEW ARCHITECTURAL SHINGLE ROOF AND SKYLIGHTS (2026) and features a master bedroom with built-in closets and deep drawers for ample storage, as well as a custom-built Murphy bed and desk in the second bedroom for versatile use of the space. The kitchen has crown molding and solid maple wood cabinets. There's luxury vinyl plank flooring throughout, and pocket doors that enhance the open and accessible feeling. Two sets of sliding doors provide easy access to the back deck and covered patio from the front room and dining area, offering stunning views of the water. This pet friendly community offers a variety of recreational amenities, including a clubhouse, a rec room with pool tables, a community pool, tennis, pickle ball, horseshoes, driving range, and boat dock. The resort offers plenty of opportunities to meet new friends and join clubs. Saddlebag Lake is a prime destination for fishing and boating, with a boat ramp for easy access. The resort also features a post office and Sunday Service on the property. Low HOA fees include water, sewer, and garbage, as well as use and maintenance of all amenities, making this an affordable destination. Located just 50 minutes from Disney and theme parks and an hour from the East Coast beaches, this home offers the perfect location for year-round resort-style living or a winter getaway. Don't miss out on the opportunity to make this charming home in Saddlebag Lake Resort your own – schedule a private tour today!

Features

  • Amenities: Clubhouse, Fitness Center, Pickleball Court(s), Pool, Recreation Facilities, Sauna, Shuffleboard Court, Spa/Hot Tub
  • Rooms: 5
  • Bedrooms: 2
  • Baths: 2 full
  • Laundry: Laundry Closet
  • Year Built: 2012
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 864
  • Acreage: 0.09
  • Est. Taxes: $1,919
  • HOA Fee: $680 Quarterly
  • Lot Desc: Cul-De-Sac
  • View: Water
  • Adult Communities: Yes
  • Pet Policy: Yes
  • Appliances: Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
  • MLS#: K4903118
  • Days on Market: 112 days
  • Website: https://www.raveis.com
    /prop/K4903118/8nightowlcircle_lakewales_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 2/19/2026 11:57:34 PM)
Listing courtesy of BENDER REALTY, LLC   Phone: 863-223-8708

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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8 NIGHT OWL CIRCLE, Lake Wales, FL, 33898

$170,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $136,000 $136,000 $136,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.375% 5.990% 5.250%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.161% 6.144% 5.541%
Monthly Tax Payment $160 $160 $160
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $762 $815 $1,093
Total Monthly Payment $997 $1,050 $1,328

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.