Saddlewood
Homes for Sale in Jacksonville, FL
All 4,406 homes for sale in Jacksonville, FL · median $299,990 · 385 homes for sale in 32218 · Duval County homes for sale
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo courtesy of EXIT INSPIRED REAL ESTATE · via realMLS
As of October 2026, Saddlewood in Jacksonville, FL has 4 homes for sale, asking from $325,000 to $349,900 (median $329,900). Over the 12 months ending 2026-10-14, 3 recorded sales closed at a median of $365,786, $196 per square foot, a median 29 days on market, sellers accepting 100% of original asking (+7% versus the prior year). Homes listed or recently sold were built 1999–2002; 8 of 8 report an HOA (median $44/mo); 1 of the 8 geocoded homes sit in a FEMA special flood hazard zone (median elevation 17 ft). At the median price and Duval County's FY2025-26 rate of 17.86 mills, annual property tax runs about $6,530 ($5,800 with the full homestead exemption).
Homes For Sale Right Now in Saddlewood
Live MLS inventory for Saddlewood. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Saddlewood listings as of 2026-10-14, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.
Saddlewood's 148 homes were built between 1998 and 2021, with a median build year of 2001 and a median living area of 2,250.5 square feet — this is an established Duval County subdivision, not a new-construction pocket. The $362,393 median price works out to $187.11 per square foot, and with just 2 active listings against 148 total homes, there is very little on the market at any given moment to price or negotiate against.
The trend lines lean firmly toward sellers over time: prices are up 11.5% year over year and 153% since 2012. Momentum's data currently reads the market as balanced, with 6 months of supply and a median 41.5 days on market — not a sprint, but not stagnant either. With homestead exemptions filed on 79.7% of homes, resale turnover here has historically been limited, which is part of why the active-listing count runs so thin.
Saddlewood right now
🟢 Buyer-leaning market. 9.0 months of supply and 0% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of realMLS records, as of October 14, 2026. Confidence: Medium (3 active and pending listings, 3 closed sales in 12 months).
🟡 Still climbing. The trailing-12-month median ($366K) is up 7.0% from the prior 12 months ($342K) and up 158% since 2012. With about 8 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level realMLS closed sales, 12-month windows ending October 14. Confidence: Low (3 and 4 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 16, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Saddlewood market snapshot (as of October 14, 2026): the median sale price is about $366K ($196 per sq ft over the trailing 12 months of closed sales), a median 29 days on market for closed sales, and 9.0 months of supply, a buyer-leaning market. The trailing-12-month median is up 7% from the prior 12 months and up 158% since 2012, computed from record-level realMLS closed sales (3 closings in the current window).
In ZIP 32218 (Jacksonville), 1,071 homes closed in the last 12 months at a median of $315K ($173/sq ft), up 0.8% year over year, with a median 42 days on market. Right now 236 active and 104 pending listings put supply at about 3.9 months — a healthy market. See the live ZIP 32218 housing market and the Duval County market.
County records show 7 qualified sales in Saddlewood across 2024–2025 (4 in 2024, 3 in 2025), median $369,900 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Saddlewood is a community of 133 homes in Jacksonville, Duval County, built between 1998 and 2004 (median 2001), with a median living area of about 2,252 square feet. 81% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Saddlewood is an established community in Jacksonville, Duval County, with homes built between 1998 and 2021 and community amenities that include a playground and basketball court (worth confirming current access with the HOA). At a median $362,393 and $187.11 per square foot, it prices as a settled resale market rather than a new-build corridor.
The setting & the homes.
Aerial and on-site photos of Saddlewood. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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SaddlewoodPhotos from realMLS listings in Saddlewood; content deemed reliable but not guaranteed.
Who Saddlewood is best for.
Best for
- Buyers comfortable moving quickly when one of the community's 2 active listings fits a budget near $362,393.
- Buyers prioritizing an established home built between 1998 and 2021 over new construction.
- Buyers who want a playground and basketball court within the community's amenity package.
Probably not for
- Buyers who need a large pool of active listings to compare before deciding — there are only 2 right now.
- Buyers set on new construction, since the newest homes here date to 2021 and the median build year is 2001.
- Buyers expecting to negotiate deeply below the $362,393 median in a market Momentum currently reads as balanced.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending October 14 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($366K) IS the median in the snapshot above, and the move from 2025 ($342K) IS the +7.0% one-year change.
Windows contain 3 to 14 sales each (3 in the current window); every figure carries its sample size, and thin markets swing on single closings. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
30% of homes for sale in ZIP 32218 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-10-15).
Saddlewood Market Scorecard
Saddlewood is currently a buyer-leaning market. About 9.0 months of supply, a median asking price of $329,900, and homes go under contract in about 170 days.
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Saddlewood on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from realMLS. Map data © OpenStreetMap contributors.
Life at Saddlewood
- Playground · reported on 2 of 3 listings
- Basketball Court · reported on 1 of 3 listings
Community amenities as reported across realMLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
Schools
- Duval County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Polk County Public Schools (verify by address) · Public
- Confirm zoned elementary, middle, and high · By address
- Magnet and choice options may apply · Choice
Zoned schools reflect the assignments reported on recent Saddlewood listings and can change; always confirm with Duval County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Saddlewood address.
Shop the zone: Homes zoned for Louis Sheffield Elementary School · Homes zoned for Oceanway Middle School · Homes zoned for First Coast High School
The Saddlewood buying strategy.
If we were buying in Saddlewood today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Saddlewood.
A thin, steadily appreciating Duval pocket
With just 2 active listings across a 148-home community, Saddlewood trades in small numbers — a single closing can move the median noticeably. The $362,393 median price and $187.11 median price per square foot reflect homes built between 1998 and 2021, with a median build year of 2001 and a median living area of 2,250.5 square feet. Momentum's data currently reads the market as balanced, with 6 months of supply on hand.
Momentum's market heat score for Saddlewood sits at 45, and the numbers underneath it point in different directions depending on the timeframe: prices are up 11.5% over the past year and 153% since 2012, while a median 41.5 days on market suggests buyers aren't rushing every listing that appears. For a seller, that combination argues for pricing realistically at the outset rather than testing the market; for a buyer, it means there is still some room to negotiate terms even as the longer-term trend favors the seller.
The location and the amenities are priced into every listing in Saddlewood. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Saddlewood buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 5 factors (7.2). Basis: Long-Term Appreciation +158% since 2012; Recent Direction +7.0% year-over-year; Liquidity & Demand 9.0 months of supply; Owner Commitment 81% owner-occupied; Pricing Power 99.8% sale-to-list. Refreshed with each data update.
Why work with Momentum here
Saddlewood's thin inventory — 2 active listings against 148 homes — means pricing a listing or evaluating an offer requires reading a small, uneven data set correctly. Momentum tracks this Duval County community's median price, price per square foot, and days-on-market trends closely enough to help a seller price to the $362,393 median without over- or under-shooting it, and to help a buyer understand what a median 41.5 days on market actually signals about negotiating room.
Saddlewood in 15 seconds.
What it really costs to own in Saddlewood
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| Property tax | Current owners' bills run a median of $4,602/yr across 4 listings here (MLS tax records, 2026-10-16). Buy at today's median asking price of $329,900 and the first-year bill resets to about $5,200 with homestead (Duval County total millage 17.865 mills, FY2025-26, Duval County Property Appraiser 2025 final millage chart; Duval County School Board FY2025-26 adopted millage); municipal and district millage vary within the county. |
|---|---|
| HOA dues | Median $42/month across 132 MLS listings (most billed annually; 2026-10-15). Dues cover what the documents say they cover; ask for the budget and reserve study. |
| Home and flood insurance | The average Citizens Property Insurance premium in Duval County is $1,315/yr (2,001 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. |
| Roof and age | Median build year 2000 across 4 listings. An original roof here would be about 26 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report, and for replacement where it fails. |
Estimated carrying cost at the median asking price, before the mortgage: about $585/month (tax $433, HOA $42, insurance $110). An estimate from the sources above, not a quote.
Email me new listings in Saddlewood
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Saddlewood
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Saddlewood will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- HOA dues reported around $42/month (about $504/yr) · median of 132 MLS listings, most billed annually
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $42 per month ($504 a year) — the median AssociationFee across 132 MLS records, normalised to a monthly figure; most are billed annually. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-10.
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Saddlewood buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Saddlewood sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Saddlewood, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Saddlewood home worth?
Get a no-obligation home value based on real comparable sales in Saddlewood, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Recently off market in Saddlewood
Homes in Saddlewood that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 4 on record.
- 1021 Whirlaway Circle · off market
- 1048 Whirlaway Circle · off market
- 1077 Seattle Slew Lane · off market
- 1158 Native Dancer Court · off market
Last 30 days in Saddlewood: 1 new listing (median asking $329,900). As of October 16, 2026, realMLS.
| Location | Jacksonville, Duval County, FL · ZIP 32218 |
|---|---|
| Homes in the community | 133 (FL DOR 2025 assessment roll) |
| Years built | 1998–2004 (median 2001) |
| Typical living area | 2,252 sq ft (median) |
| Home types (current listings and sales) | single-family 100% |
| Amenities listed by sellers | Playground, Suburban, Basketball Court, Curbs |
| Sale prices, last 12 months | $365,786 median across 3 closed sales · $196 per sq ft · +7.0% vs the prior 12 months |
| Days on market (closed sales) | 29 median |
| For sale right now | 3 active, 0 pending · median asking $329,900 · 9.0 months of supply |
| Owner-occupied (homestead) share | 81% |
| Zoned public schools | Polk County Public Schools (verify by address); Confirm zoned elementary, middle, and high; Magnet and choice options may apply |
Data as of October 14, 2026. Data provided by realMLS; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Saddlewood key facts,” movewithmomentum.com/neighborhoods/saddlewood-estates-lakeland, data as of October 14, 2026.
Housing distress & ownership in Saddlewood, Jacksonville
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
Just listed in Saddlewood
The newest homes for sale in Saddlewood right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 1019 Whirlaway Circle $329,900 · 3 bd · 2 ba · 1,668 sq ft · 1 day on market Courtesy of WATSON REALTY CORP
- 1041 Whirlaway Circle $349,900 · 3 bd · 2 ba · 1,641 sq ft · 41 days on market Courtesy of WATSON REALTY CORP
- 1033 Whirlaway Circle $329,900 · 3 bd · 2 ba · 2,219 sq ft · 172 days on market Courtesy of WATSON REALTY CORP
- 1109 Seattle Slew Lane $325,000 · 3 bd · 2 ba · 2,025 sq ft · 268 days on market Courtesy of LISA DUKE REALTY LLC
Checked against the MLS Oct 16, 2026. All new listings in this market.
Every Home for Sale in Saddlewood Estates Lakeland Right Now (3)
All 3 active and pending Saddlewood Estates Lakeland listings with a detail page, newest first, refreshed twice a day from the MLS.
- 1041 Whirlaway Circle · $349,900 · 3 bd / 2 ba · listed Sep 6, 2026 · listed by Watson Realty Corp
- 1033 Whirlaway Circle · $329,900 · 3 bd / 2 ba · listed Jul 16, 2026 · listed by Watson Realty Corp
- 1109 Seattle Slew Lane · $325,000 · 3 bd / 2 ba · listed Jul 16, 2026 · listed by Lisa Duke Realty Llc
Recently sold in Saddlewood Estates Lakeland
- 1048 Whirlaway Circle · sold $315,000
- 1158 Native Dancer Court · sold $399,000
- 1077 Seattle Slew Lane · sold $365,786
- 1021 Whirlaway Circle · sold $350,000
Closed sales from the MLS; each page shows the sold price, taxes and value history.
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Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Coldfield Drive W (9 homes on record)
- Willesdon Drive W (4 homes on record)
- Whirlaway Circle (4 homes on record)
- Coldfield Drive (1 homes on record)
Frequently Asked Questions
What is the median home price in Saddlewood?
How long do homes in Saddlewood take to sell?
Is Saddlewood a buyer's or seller's market right now?
How many homes are in Saddlewood?
What share of Saddlewood is owner-occupied?
When were the homes in Saddlewood built?
Have Saddlewood home prices gone up?
What schools serve Saddlewood?
Who is the best real estate agent for Saddlewood?
How do I find a top Jacksonville real estate agent who knows Saddlewood?
Can Momentum Realty connect me with an agent for Saddlewood?
Where is Saddlewood, and what county is it in?
How far is Saddlewood from downtown Jacksonville and the beach?
Should you buy in Saddlewood?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: October 14, 2026) |
| Community market stats | realMLS closed sales, 12-month windows ending October 14, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (6 streets, ZIP 32218/32221/32226/32246)) |
| Under-contract shares | realMLS records, as of 2026-10-14 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2001 (175 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
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The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the realMLS member average and 8 days faster, and we’ll price yours against live local comps.
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See how Saddlewood fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Saddlewood
- Home values · What homes in Saddlewood actually sell for
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