Saddlebag Lake Homes with HOA Yes/No

Saddlebag Lake Homes with HOA Yes/No

Welcome to Saddlebag Lake, an enchanting subdivision nestled in the heart of Polk County, Florida. This serene community offers a unique blend of natural beauty and modern living, making it an ideal destination for families, retirees, and anyone seeking a peaceful retreat just moments away from the vibrant attractions of Central Florida.

Saddlebag Lake is renowned for its picturesque landscapes, featuring lush greenery, tranquil lakes, and abundant wildlife. Residents enjoy the luxury of lakeside living, with opportunities for fishing, boating, and nature walks right at their doorstep. The community is designed to foster a friendly neighborhood atmosphere, where neighbors become friends and memories are made.

Homes in Saddlebag Lake are thoughtfully constructed, with a variety of architectural styles to suit diverse tastes. Whether you’re seeking a cozy cottage or a spacious family home, you’ll find something that feels just right. The subdivision is governed by a homeowners association (HOA), ensuring that the community remains well-maintained and aesthetically pleasing. The HOA provides essential services that enhance the quality of life, including landscaping, community events, and access to shared amenities.

With its prime location, residents of Saddlebag Lake are just a short drive from the bustling cities of Lakeland and Winter Haven, where shopping, dining, and entertainment options abound. Plus, the nearby attractions of Orlando and Tampa are easily accessible, making it a perfect home base for those who enjoy exploring the best of Florida.

Discover the charm of Saddlebag Lake and experience a lifestyle that harmonizes nature, community, and convenience. Your dream home awaits in this idyllic subdivision!

Newest Saddlebag Lake Homes with HOA Yes/No

$62,500
1 Beds ⋅ 2 Baths ⋅ Saddlebag Lake SubDv. ⋅ 33898 Zip Code
This furnished 1/1.5 home is located in the 55+ gated community of Saddlebag Lake Resort, where you own the land. The spacious living room welcomes you as you enter the front door. Featuring a cozy kitchen and dining area, full bathroom and a comfortable bedroom. There's also a half bathroom at the back of the home and lots of storage space. Plus a Large screen porch on the back of the home perfect for entertaining or relaxing. Outside you will find a shed that has shelving, easy to store your gear and all your tools. Saddlebag Lake Resort has so much to offer, including a heated pool, tennis and pickle ball courts, horse shoe pits, a screen enclosed hot tub, professional grade shuffleboard courts, a rec room with pool tables and saunas, boating and fishing on Saddlebag Lake, a driving range to improve your swing, and even a dog park for your furry family members. The low HOA includes your water, sewer and trash pick-up, plus use of all the amenities. Come for the winter, or live here year round! At this price it's not going to last long so call now for your private tour.

22 Woodruff Way, Lake Wales
$92,000
1 Beds ⋅ 2 Baths ⋅ Saddlebag Lake SubDv. ⋅ 33898 Zip Code
Your perfect Florida retirement starts right here at 117 Saddlebag Trail, where an exceptional active-adult lifestyle meets an unbeatable price of just $92,000! Located inside the highly desirable, gated Saddlebag Lake Resort, this beautifully updated property welcomes you with open arms.This home is completely move-in ready and furnished, allowing you to walk right in and start relaxing today—tasteful furniture and essentials are all included. You will love the fresh new flooring throughout the home, which makes the entire space feel incredibly bright, modern, and open. For your ultimate peace of mind, the plumbing has been fully updated, and a brand-new water heater and power cord were replaced just 2 years ago. The sellers have poured true pride of ownership into every corner and are ready to hand over the keys—fully furnished and complete with their personal golf cart with an owner's approval! Saddlebag Lake Resort is a wonderful pet-friendly resort offering a vibrant clubhouse where you can easily get to know your friendly neighbors. The community features a heated pool, a hot tub, a recreation room with pool tables, modern fitness equipment, and saunas. Stay active out on the tennis, pickleball, and shuffleboard courts, or enjoy a game of horseshoes and practice your swing at the driving range. There is even a beach house with a fully equipped kitchen that you can reserve for your private, lakefront parties! Of course, you can easily access the water at the community boat ramp to go boating and fishing.You will truly live like you're on vacation every day! All of these premium amenities are included, as well as your sewer, trash, and water services, right in the low quarterly HOA dues. Do not miss out on this exceptional opportunity!

117 Saddlebag Trail, Lake Wales
$179,900
2 Beds ⋅ 2 Baths ⋅ Saddlebag Lake SubDv. ⋅ 33898 Zip Code
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!

12 Saddlebag Trail, Lake Wales
$209,900
2 Beds ⋅ 2 Baths ⋅ Saddlebag Lake SubDv. ⋅ 33898 Zip Code
Welcome to 20 Beaverkill Drive, a beautifully maintained 2021 manufactured home located in the highly sought-after Saddlebag Lake Resort, one of Central Florida's premier gated 55+ communities where you own the land—no lot rent! Whether you're searching for a full-time residence, retirement home, winter retreat, or seasonal escape, this move-in-ready home offers the perfect combination of modern construction, low-maintenance living, and an exceptional resort lifestyle. Built in 2021, this home provides the peace of mind buyers are looking for, with virtually no major ticket items to worry about for years to come. Even better, the air conditioning system includes a transferable lifetime warranty, adding even more long-term value. Inside, you'll find a bright, open-concept floor plan designed for comfortable everyday living and effortless entertaining. The spacious living and dining areas flow seamlessly into the well-appointed kitchen, complete with a center island that provides additional seating, prep space, and storage. The home is being offered partially furnished, allowing you to settle in with ease. An inside laundry area with a stackable washer and dryer adds convenience, while the generously sized guest bedroom and oversized guest bathroom ensure family and friends have a comfortable place to stay. Step outside to the large screened enclosure, the perfect place to enjoy your morning coffee or unwind while taking in Florida's beautiful weather. Additional highlights include two separate driveways providing ample parking for multiple vehicles and guests, plus a storage shed that is already wired for electricity and ready for connection. Life at Saddlebag Lake Resort is about so much more than just owning a home—it's embracing an active, resort-style lifestyle. This resident-owned, gated community offers an impressive array of amenities, including a heated swimming pool and spa, clubhouse, fitness center, pickleball and tennis courts, shuffleboard, horseshoes, billiards, library, recreation hall, planned social events, clubs, dances, arts and crafts, and a full calendar of activities designed to keep you active and connected. Outdoor enthusiasts will appreciate access to Saddlebag Lake with boating, kayaking, bass fishing, a private boat ramp, and beautiful waterfront scenery right within the community. Conveniently located in Lake Wales, you'll enjoy easy access to shopping, restaurants, medical facilities, golf courses, and everyday conveniences while being just a short drive from some of Central Florida's most popular attractions. Spend the day at LEGOLAND® Florida Resort, explore the breathtaking beauty of Bok Tower Gardens, experience the excitement of Westgate River Ranch Resort & Rodeo, or venture to Walt Disney World®, Universal Orlando Resort™, SeaWorld®, Busch Gardens Tampa Bay®, and countless lakes, parks, and nature preserves. Whether you're looking for a permanent residence or the perfect Florida getaway, this exceptional property offers the ideal blend of comfort, convenience, recreation, and peace of mind. Don't miss your opportunity to own a beautiful newer home in one of Central Florida's most desirable active adult communities—schedule your private showing today!

20 Beaverkill Drive, Lake Wales
$155,000
1 Beds ⋅ 2 Baths ⋅ Saddlebag Lake SubDv. ⋅ 33898 Zip Code
Located in the premier 55+ community of Saddlebag Lake Resort, where you own the land, this fully furnished and turnkey home is move-in ready and just waiting for its new owner! The home has a modern feel to it, with beautiful furnishings, and is tastefully decorated with a Florida motif throughout. Laminate flooring makes the home easy to clean and pet friendly. The entire home is on one level, no going up and down steps after you enter. There are two full bathrooms, one with a tub and shower combo. An on-demand water heater was installed in 2024, for instant hot water at a fraction of the cost. The living room is large and welcoming, and has a sleeper sofa for your overnight guests. The spacious family room at the back of the home has a separate air conditioner for maximum comfort. Grilling and chilling on the patio is just a step away, the perfect place to enjoy the outdoors! When you're ready to explore the resort, you'll find plenty to do so you can stay as active as you want, and you can arrive in style in the golf cart, it's included in the list price. Take a dip in the crystal clear pool, or relax in the screen-enclosed hot tub. Play a game of tennis, pickle ball, horse shoes or shuffleboard. Check out the rec room, with its pool tables and saunas, or the fitness center with its equipment to help you stay in shape. Get to know your neighbors at the clubhouse, where you can participate in planned activities, or join a club. The resort is pet friendly, with a dog park at the back. There's a lakeside beach house with covered patio and full kitchen that you can use for private parties, just reserve it. All of these great amenities are included in the low HOA dues, as well as your water, sewer and trash pick-up. Come for the winter, or live here year round! You won't even have to leave to get your mail, there's a post office onsite. Don't let this opportunity slip away, call now for your private tour before it's gone!

108 Silversides Street, Lake Wales
$270,000
2 Beds ⋅ 2 Baths ⋅ Saddlebag Lake SubDv. ⋅ 33898 Zip Code
This 2/2 LAKE SIDE Jacobsen manufactured home is located in the 55+ pet friendly, gated community of Saddlebag Lake Resort and comes fully furnished and turnkey. You'll love the stunning view of the lake from the full-width screened porch, and even from the main inside living space. The home was custom built with lots of premium upgrades, including luxury laminate flooring throughout, dolomite stone counter tops in the kitchen as well as both bathrooms, 9 ft. high ceilings and stainless steel appliances. The gourmet kitchen has a large island with bar stools, and plenty of cabinets so there's a place for everything. The owner's suite has a HUGE ensuite bathroom that features a relaxing spa. When you're ready to venture out, you can enjoy as active a lifestyle as you want. There's a crystal clear community pool, a hot tub, tennis, pickle ball and shuffleboard courts, horse shoes, a fitness center, a rec room with pool tables and saunas, a driving range, and a beach house that you can reserve at no cost for private events. Get to know your neighbors at the clubhouse and participate in planned activities, or join the club of your choice. There's a post office onsite, you don't even have to leave the resort to get your mail. Isn't it time you came home to Saddlebag Lake Resort? Call now to schedule your private tour and start living the good life today!

29 Woodruff Way, Lake Wales
$85,000
Saddlebag Lake SubDv. ⋅ 33898 Zip Code
Watch the sunrise from this great shaded WATERFRONT RV lot, the ONLY waterfront lot available at beautiful Saddlebag Lake Resort. It's the perfect location to park your motor home for the winter, or live here year round, no need to go from park to park! There's room for a picnic table next to your barbeque grill. You can make it even more permanent by placing a manufactured home on the lot. The lot has 100 amp service and water & sewer hookup. Launch your boat from your back yard and spend the day on the lake. Enjoy a swim in the sparkling community pool, then relax in the large hot tub. Make new friends and participate in planned activities at the clubhouse. Get ready for retirement living at it's finest in this 55+ gated community with security, including shuffleboard, tennis and pickle ball courts, rec room, saunas, fitness center and more. Laundry facility and post office on site. There's even a dog park at the back of the resort, and a driving range. HOA includes water, trash pick-up, and sewer. Call for your private tour today, and stay for a lifetime!

15 Red Quill Circle, Lake Wales
$72,000
Saddlebag Lake SubDv. ⋅ 33898 Zip Code
This shaded RV lot is located in Saddlebag Lake Resort, a pet friendly 55+ gated community. Lot dimensions are approximately 46 x 83. The pavered parking pad will easily accommodate up to a 45 ft. RV, with plenty of room for vehicle parking. Well manicured and hardscaped, the lot is situated at an intersection so it's easy to back into. The site has full hookup with 20/30/50 amp service, water, sewer and communication connections (Internet and Landline phone) at the pedestal. Shed has solar powered lighting and solar exhaust fans. If you're ready to get off the road and park your RV where you can enjoy lots of amenities, you've found the right place. Choose from swimming in the sparkling community pool, relaxing in the hot tub, or playing a game of pickle ball. Of course, you might want to practice your swing at the driving range, play a friendly game of pool in the rec room, or work out in the fitness center. You can participate in planned activities in the clubhouse, go boating or fishing on Saddlebag Lake, or take your furry family members to the dog park so they can run around to their heart's content. The low quarterly HOA covers it all - plus your water, sewer and trash pick-up. Call now to schedule your private tour!

16 Saddlebag Trail S, Lake Wales
$168,000
1 Beds ⋅ 1 Baths ⋅ Saddlebag Lake SubDv. ⋅ 33898 Zip Code
TRUE WATERFRONT LIVING! This 1/1 furnished home is on the water at Saddlebag Lake Resort, a 55+ gated community where you own the land. You can launch a boat right from your back yard and go fishing! There's a relaxing screened porch at the front, a large open deck with composite decking at the back (only 2 yrs. old), and a couple's swing in the side yard, so you'll have lots of choices about how to enjoy the outdoors. The home is all on one level, with a ramp for easy access. Inside you'll find a spacious main living area, which includes a living room, family room, kitchen and adjacent dining room. The secluded bedroom is tucked away next to the bathroom, with it's NEW shower stall, and inside laundry (washer & dryer approx. 5 yrs old). Perhaps your favorite part of the home will be the expansive Florida room (added just two years ago), with it's breathtaking views of the water. Other recent upgrades include new flooring in the kitchen; a new water heater; the refrigerator and glass top stove (5 yrs old) and the HVAC was replaced about 10 yrs. ago. Come for the winter or stay for a lifetime, this home is ready to be enjoyed by it's new owner. You'll feel like you're on vacation every day with all the resort has to offer, including tennis and pickle ball courts, shuffleboard and horse shoes, a sparkling community pool, hot tub, saunas, fitness room, rec room with pool tables, a driving range, even a dog park for your furry family members. You won't even have to leave the resort to get your mail, there's a post office on-site. The low quarterly HOA covers all of this, plus your water, sewer and trash pick up. You owe it to yourself to check this out before it's gone, so call now for your private tour!

29 Beaverkill Drive, Lake Wales
$55,000
1 Beds ⋅ 1 Baths ⋅ Saddlebag Lake SubDv. ⋅ 33898 Zip Code
Are you looking for a place to enjoy retirement living on a budget? This could be the perfect setting! You'll be living the dream here, with so much to do you'll feel like you're on vacation every day. Swim in the sparkling community pool, relax in the hot tub, play tennis, pickle ball, shuffleboard or horse shoes, work out on the fitness equipment, practice your swing at the driving range, play pool or unwind in the sauna, go fishing and boating on Saddlebag Lake - all these amenities are for your use at a low HOA fee, which also includes your water, sewer and trash pick-up. The one bedroom, one bathroom home is livable, but in need of a makeover. It comes furnished, and has wall unit air conditioning. You could have it removed and place a new home on the lot, at this list price it's the same as our least expensive RV lot. Here at Saddlebag Lake Resort, you own the land, there's no lot rent. It's a pet friendly community, complete with a dog park, so even your furry family members will feel right at home. You owe it to yourself to check this out before it's gone, so call now to schedule your private tour.

13 Saddlebag Trail S, Lake Wales
$59,000
1 Beds ⋅ 1 Baths ⋅ Saddlebag Lake SubDv. ⋅ 33898 Zip Code
Do you like to go fishing? This budget-friendly 1/1 furnished home located in Saddlebag Lake Resort, a pet friendly 55+ gated community where you own the land, would make a great fishing retreat, with a view of the water and access to the lake. The main living area has a comfortable living room with a large 3.5x9.5 storage closet for all your gear, plus a cozy kitchen just right for whipping up quick meals. The owners suite has a built-in closet and drawers, and is right next to the bathroom, which has been updated. An expansive family room at the back is currently set up with a bed, so the home could easily sleep four. There's an inside washer and dryer hook-up, and a new water heater for peace of mind. There's also a two-car carport to keep your vehicles cool and dry, a large covered patio for enjoying the outdoors in the shade, and a shed out back for extra storage. The lake side deck has a planter that would make a great place to grow some herbs, or dress it up with some tropical plants. When you're ready to check out the resort, take the golf cart, it stays for the new owner, too. Choose from swimming in the sparkling community pool, or relaxing in the hot tub, just for starters. Get to know your neighbors at the clubhouse during some of the many planned activities, or work out in the fitness center. Play a rousing game of tennis or pickle ball, or get challenged in a shuffleboard or horse shoes game. You can practice your swing at the driving range, or get involved in a friendly game of pool in the rec room. The low HOA includes your water, sewer and trash pick-up, plus use of all the amenities. With so much to offer, you'll want to make this little piece of paradise your own, so call now to schedule your private tour!

7 Blue Quill Circle, Lake Wales
$129,990
2 Beds ⋅ 2 Baths ⋅ Saddlebag Lake SubDv. ⋅ 33898 Zip Code
PRICE DROP! Situated on a desirable corner lot in the highly sought-after 55+ gated community of Saddlebag Lake Resort! This beautifully maintained 2-bedroom, 2-bath home is being offered fully furnished and is truly move-in ready—perfect as a full-time residence, seasonal retreat, or investment opportunity. Step inside and immediately notice the high ceilings and luxury vinyl flooring throughout (2021), creating a bright, open, and low-maintenance living space. The home’s thoughtful layout offers a seamless flow between the living, dining, and kitchen areas, making it ideal for both everyday living and entertaining. The open, light-filled kitchen provides ample cabinet and counter space, perfect for gatherings or casual dining. The spacious primary suite features a private ensuite bathroom and a convenient linen closet. A stackable washer and dryer in the hallway adds functionality without taking up valuable living space. The second bedroom and full bath offer flexibility for guests, a home office, or additional living space. Comfort is ensured year-round with a HVAC system replaced (2019), and the front steps were replaced (2020) for added safety and curb appeal. Outside, the property offers two separate driveways, giving you the flexibility to bring your boat while still leaving space for a car or visitors. Being on a corner lot, this home enjoys additional privacy and enhanced curb appeal, a rare and valuable feature in the community. Saddlebag Lake Resort offers a vibrant, resort-style lifestyle with amenities including a clubhouse with planned activities, heated pool and spa, fitness center, pickleball and tennis courts, shuffleboard, and a marina with direct lake access. For added convenience, residents also enjoy an on-site post office. Don’t miss the opportunity to own a fully furnished, move-in ready home on a corner lot in this amenity-rich community where you can enjoy the best of Florida living year-round!

56 Beaverkill Drive, Lake Wales
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