12 SADDLEBAG TRAIL, Lake Wales, FL, 33898 | $179,900

Located in the highly sought-after 55+ gated community of Saddlebag Lake Resort, this beautifully maintained Jacobsen 2-bedroom, 2-bath manufactured home is being offered fully furnished and is ready for you to enjoy from day one.

Designed for both comfort and convenience, the home features attractive Pergo laminate flooring throughout the main living areas, offering style and easy maintenance. For added peace of mind, a whole-house generator powered by either gas or propane ensures reliable backup power during any weather.

The well-appointed kitchen is equipped with a full suite of stainless-steel appliances, including a glass-top range, double-door refrigerator with ice maker and water dispenser, dishwasher, and microwave. Adjacent to the kitchen, the dining area features a table and chairs and a built-in cabinet, adding both character and convenient storage.

One of the home's standout features is the spacious bonus room at the rear, providing the perfect space for a home office, craft room, hobby area, or additional living space.

Outside, you'll find even more to love. A two-car carport offers ample covered parking, while a full-length covered walkway with durable composite decking leads to a relaxing, screened porch overlooking the backyard—an ideal spot to enjoy your morning coffee or unwind in the evening.

Outside, you'll find even more to love. A two-car carport offers ample covered parking, while a full-length covered walkway with durable composite decking leads to a relaxing screened porch overlooking the backyard—an ideal spot to enjoy your morning coffee or unwind in the evening.

The low HOA fee includes water, sewer, garbage collection, and access to an impressive array of resort-style amenities. Residents enjoy a welcoming clubhouse with planned social activities, a sparkling community pool, screened hot tub, covered professional-grade shuffleboard courts, tennis and pickleball courts, horseshoe pits, and a recreation center featuring pool tables, fitness equipment, and a sauna.

Outdoor enthusiasts will appreciate boating and fishing on beautiful Saddlebag Lake, relaxing on the community beach, or reserving the beach house for private gatherings. The pet-friendly community also features a dedicated dog park conveniently located near the driving range. Additional conveniences include an on-site post office and library.

If you're looking for an active, carefree Florida lifestyle in a vibrant waterfront community, this exceptional home checks all the boxes.
Schedule your private showing today—this exceptional home won't last long, and you won't want to miss the opportunity to make it yours!

Features

  • Amenities: Clubhouse, Fitness Center, Pickleball Court(s), Pool, Sauna, Shuffleboard Court, Tennis Court(s)
  • Rooms: 6
  • Bedrooms: 2
  • Baths: 2 full
  • Laundry: Inside, Laundry Closet
  • Year Built: 2005
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 864
  • Acreage: 0.1
  • Est. Taxes: $2,084
  • HOA Fee: $680 Quarterly
  • Adult Communities: Yes
  • Pet Policy: Breed Restrictions, Yes
  • Appliances: Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
  • MLS#: P4939315
  • Days on Market: 3 days
  • Website: https://www.raveis.com
    /prop/P4939315/12saddlebagtrail_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 7/20/2026 7:15:23 AM)
Listing courtesy of WATSON REALTY CORP.   Phone: 407-589-1600

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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

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
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    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

12 SADDLEBAG TRAIL, Lake Wales, FL, 33898

$179,900

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 $143,920 $143,920 $143,920
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.358% 6.640% 5.952%
Monthly Tax Payment $174 $174 $174
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $862 $909 $1,195
Total Monthly Payment $1,111 $1,158 $1,444

* 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.