Saddle Hill
Homes for Sale in Fruitland Park, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, Saddle Hill in Fruitland Park, FL has 2 homes for sale. Homes listed or recently sold were built 2026 - 2026 with 3 new construction; 3 of 3 report an HOA (median $125/mo); none of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 123 ft).
Homes For Sale Right Now in Saddle Hill
Live MLS inventory for Saddle Hill. 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 · 48 daysTop listing
Active · 133 days
Active · 163 daysActive and pending Saddle Hill listings as of 2026-09-13, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period %s through %s. Tap any home to ask about it.
Saddle Hill is a small community by any measure - 30 homes total, and as of this snapshot only 2 active listings. A pool that size means pricing here is set listing by listing, not by a broad trend line. There isn't enough turnover to talk about a market direction with any confidence.
One data point worth noting: the homestead share sits at 0%, meaning none of the homes currently reflect a primary-residence exemption. That can point to a community leaning toward investment ownership or second-home use, which is useful context for anyone trying to gauge how the neighborhood functions day to day.
The 60-Second Overview
Saddle Hill is a compact enclave in Fruitland Park, Lake County, with a housing stock of just 30 homes and community mailbox service in place of individual delivery.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
The setting & the homes.
Aerial and on-site photos of Saddle Hill. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Saddle HillSaddle HillSaddle HillPhotos from Stellar MLS listings in Saddle Hill; content deemed reliable but not guaranteed.
Who Saddle Hill is best for.
Best for
- A buyer set on a specific, low-frills community in Fruitland Park and willing to wait for the right listing
- An investor evaluating a market with a notably low homestead share
- A buyer who has already toured the area and wants in regardless of current inventory depth
Probably not for
- A buyer who wants several homes to compare before making a decision
- Someone prioritizing amenity-rich communities with recreational facilities
- A buyer working on a tight timeline who can't wait out a thin listing pool
The market around Saddle Hill
Saddle Hill is a small community — 1 recorded sale on file, most recently in 2026 — too few for its own price trend. Here is the market around it.
Across Lake County, 3,176 homes are active and 1,107 pending (26% under contract).
ZIP and county figures describe the wider market, not Saddle Hill specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Saddle Hill, FRUITLAND PARK
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. Based on Stellar MLS data distributed by MLS GRID for the period September 2026 through September 2026. Deemed reliable but not guaranteed.
Saddle Hill on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Stellar MLS. Map data © OpenStreetMap, tiles © CARTO.
Life at Saddle Hill
- Community Mailbox · reported on 3 of 3 listings
Community amenities as reported across Stellar MLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
Schools
- Lake County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Fruitland Park Elem · Elementary
- Carver Middle · Middle
- Leesburg High · High
Zoned schools reflect the assignments reported on recent Saddle Hill listings and can change; always confirm with Lake County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Saddle Hill address.
The Saddle Hill buying strategy.
If we were buying in Saddle Hill 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.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
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 Saddle Hill.
A small, quiet pocket of Fruitland Park
With only 2 homes active at the time of this snapshot, Saddle Hill isn't a community where you'll find a broad set of options to compare on a given weekend. Buyers interested here should expect to act on what's available rather than shop a deep list, and sellers should recognize that each listing effectively sets the tone for the whole community until it sells.
The listed amenities are limited to a community mailbox, which points to a low-frills setup rather than an amenity-driven community. That's not a knock - it just means the appeal here is the homes and the location itself, not a clubhouse or recreational package.
The location and the amenities are priced into every listing in Saddle Hill. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community this small, timing and access matter more than usual - with only 2 active listings, knowing about a new one the day it hits (or before it's broadly marketed) is the difference between a real option and a missed one. We track inventory here closely enough to flag movement fast, and we can walk through what the 0% homestead share might mean for a specific property before you commit to a showing.
Saddle Hill in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
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 Saddle Hill 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 Saddle Hill sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Saddle Hill, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Saddle Hill home worth?
Get a no-obligation home value based on real comparable sales in Saddle Hill, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Fruitland Park →
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Lake County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Lake County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
SADDLE HILL Market Scorecard
SADDLE HILL is currently a thin data market. Limited supply, a median asking price of $669,900, and homes go under contract in about 133 days.
Typical home value in the 34731 ZIP is $297,214, about 6.0% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Frequently Asked Questions
How many homes are in Saddle Hill?
What share of Saddle Hill is owner-occupied?
Who is the best real estate agent for Saddle Hill?
How do I find a top Fruitland Park real estate agent who knows Saddle Hill?
Can Momentum Realty connect me with an agent for Saddle Hill?
Should you buy in Saddle Hill?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Saddle Hill with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: September 13, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (community parcel extract) |
| Under-contract shares | Stellar MLS records, as of 2026-07-12 |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS 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?
You just read the data. Now see what your home is worth.
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 Stellar MLS member average and 8 days faster, and we’ll price yours against live local comps.
Looking to buy here? Search homes for sale →
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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Saddle Hill fits the bigger picture — live prices, inventory, and Momentum Scores: