THIS HOME QUALIFIES FOR 100% FINANCING (No PMI and No Income Restrictions with preferred lender). Enjoy lakefront living in the highly sought-after Saddlebag Lake Resort, a gated 55+ community where you own the land and enjoy resort-style amenities. This well-maintained 2-bedroom, 2-bath home offers beautiful waterfront views and a peaceful setting with a greenway on one side, providing added privacy. A spacious 24’ x 10’ screened porch overlooks the lake and offers the perfect space to relax and enjoy the view. Inside, the home features an open-concept floor plan with a spacious kitchen and island, ideal for entertaining and everyday living. The home is partially furnished and includes a washer and dryer, making it move-in ready. The primary bedroom features a large closet and an ensuite bathroom with a double vanity and walk-in shower. The guest bedroom also offers a generous closet, and the guest bathroom includes a tub/shower combination. This home has been meticulously maintained with major updates already completed, including a new roof in December 2022 and an HVAC system replaced in 2022. A large 24’ x 24’ carport was added in 2014, providing ample shade and coverage for vehicles. The landscaped yard is low maintenance, allowing you more time to enjoy the community and lake lifestyle. A ramp provides easy access to the home, and a fire hydrant located on the property offers added peace of mind. A large storage shed is included and is spacious enough for a golf cart. Saddlebag Lake Resort is an active adult 55+ community known for its extensive amenities and vibrant lifestyle. Residents enjoy access to a heated pool, sauna, hot tub, shuffleboard courts, tennis and pickleball courts, horseshoe pits, and a clubhouse with a full kitchen and library. The community also features a dog park with a wash station, a golf practice range, RV and boat storage area, and a private boat launch. The lakefront beach house includes a kitchen and restrooms and provides a perfect setting for gatherings and events. Numerous social clubs and activities are available for residents, including fishing, golf, men’s and women’s clubs, a dog owners’ club, horseshoes, and organized travel opportunities coordinated for the community. This property offers the opportunity to enjoy affordable lakefront living with resort-style amenities in one of Central Florida’s most desirable 55+ communities. Schedule your private showing today.
For sale
Price cut: $100 (3/15)
$274,900
38 Queen Of Waters St, Lake Wales, FL 33898
2beds
1,152sqft
Manufactured Home, Single Family Residence
Built in 2008
4,212 Square Feet Lot
$-- Zestimate®
$239/sqft
$245/mo HOA
What's special
Waterfront livingBeautiful lake viewsOpen floor planLandscaped maintenance-free yardSpacious kitchen
- 388 days |
- 71 |
- 3 |
Zillow last checked:
Listing updated:
Listing Provided by:
Amanda Wright 863-221-5230,
REMAX EXPERTS 863-802-5262
Source: Stellar MLS,MLS#: L4951660
Originating MLS: Lakeland
Originating MLS: Lakeland
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Primary bedroom
- Features: Ceiling Fan(s), En Suite Bathroom, Built-in Closet
- Level: First
- Area: 156 Square Feet
- Dimensions: 13x12
Bedroom 2
- Features: Built-in Closet
- Level: First
- Area: 97.75 Square Feet
- Dimensions: 11.5x8.5
Primary bathroom
- Features: Dual Sinks, Shower No Tub, Linen Closet
- Level: First
- Area: 72 Square Feet
- Dimensions: 12x6
Bathroom 2
- Features: Tub With Shower
- Level: First
- Area: 28 Square Feet
- Dimensions: 7x4
Dining room
- Level: First
- Area: 110 Square Feet
- Dimensions: 11x10
Kitchen
- Features: Kitchen Island
- Level: First
- Area: 159.5 Square Feet
- Dimensions: 14.5x11
Laundry
- Level: First
- Area: 49 Square Feet
- Dimensions: 7x7
Living room
- Features: Ceiling Fan(s), Coat Closet
- Level: First
- Area: 198 Square Feet
- Dimensions: 16.5x12
Heating
- Electric
Cooling
- Central Air
Appliances
- Included: Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
- Laundry: Inside, Laundry Room
Features
- Ceiling Fan(s), L Dining, Living Room/Dining Room Combo, Open Floorplan, Primary Bedroom Main Floor, Thermostat, Vaulted Ceiling(s)
- Flooring: Laminate, Linoleum
- Doors: Sliding Doors
- Windows: Blinds, Double Pane Windows, Window Treatments
- Has fireplace: No
Interior area
- Total structure area: 1,392
- Total interior livable area: 1,152 sqft
Video & virtual tour
Property
Parking
- Total spaces: 4
- Parking features: Driveway, Ground Level, Off Street
- Carport spaces: 4
- Has uncovered spaces: Yes
Features
- Levels: One
- Stories: 1
- Patio & porch: Covered, Porch, Rear Porch, Screened, Side Porch
- Exterior features: Awning(s), Lighting, Rain Gutters
- Has view: Yes
- View description: Water, Lake
- Has water view: Yes
- Water view: Water,Lake
- Waterfront features: Canal Front, Lake, Waterfront, Lake Front, Lake Privileges
- Body of water: SADDLEBAG LAKE
Lot
- Size: 4,212 Square Feet
- Features: Cleared, Flood Insurance Required, Level
- Residential vegetation: Trees/Landscaped
Details
- Additional structures: Shed(s)
- Parcel number: 283001939020032010
- Zoning: PUD
- Special conditions: None
Construction
Type & style
- Home type: MobileManufactured
- Architectural style: Florida
- Property subtype: Manufactured Home, Single Family Residence
Materials
- Other, Vinyl Siding, Wood Frame
- Foundation: Crawlspace, Other, Slab
- Roof: Shingle
Condition
- Completed
- New construction: No
- Year built: 2008
Utilities & green energy
- Sewer: Private Sewer
- Water: Private
- Utilities for property: Cable Connected, Electricity Connected, Sewer Connected, Water Connected
Community & HOA
Community
- Features: Boat Slip, Canal Front, Community Boat Ramp, Dock, Fishing, Lake, Marina, Private Boat Ramp, Water Access, Waterfront, Clubhouse, Community Mailbox, Deed Restrictions, Fitness Center, Gated Community - No Guard, Golf Carts OK, Handicap Modified, Pool, Racquetball, Tennis Court(s)
- Pet fee: $0 monthly
- Senior community: Yes
- Subdivision: SADDLEBAG LAKE
HOA
- Has HOA: Yes
- Amenities included: Clubhouse, Fitness Center, Gated, Laundry, Pickleball Court(s), Pool, Racquetball, Recreation Facilities, Sauna, Security, Shuffleboard Court, Spa/Hot Tub, Storage, Tennis Court(s)
- Services included: Common Area Taxes, Community Pool, Maintenance Grounds, Manager, Pool Maintenance, Private Road, Recreational Facilities, Security, Sewer, Trash, Water
- HOA fee: $245 monthly
- HOA name: Stambaugh Inc / Tanisha Schroeder
- HOA phone: 863-605-1081
Location
- Region: Lake Wales
Financial & listing details
- Price per square foot: $239/sqft
- Tax assessed value: $198,384
- Annual tax amount: $712
- Date on market: 3/24/2025
- Cumulative days on market: 388 days
- Listing terms: Cash,Conventional,FHA,USDA Loan,VA Loan
- Ownership: Fee Simple
- Total actual rent: 0
- Electric utility on property: Yes
- Road surface type: Paved, Asphalt
- Body type: Double Wide
Estimated market value
Not available
Estimated sales range
Not available
Not available
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 3/15/2026 | Price change | $274,9000%$239/sqft |
Source:  Stellar MLS #L4951660 Report a problem | ||
| 3/24/2025 | Listed for sale | $275,000+175%$239/sqft |
Source: Stellar MLS #L4951660 Report a problem | ||
| 5/9/2011 | Sold | $100,000+300%$87/sqft |
Source: Public Record Report a problem | ||
| 12/1/2006 | Sold | $25,000$22/sqft |
Source: Public Record Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $408 +1% | $65,924 +3% |
| 2023 | $404 +1.2% | $64,004 +3% |
| 2022 | $399 -1.8% | $62,140 +3% |
| 2021 | $407 +0.2% | $60,330 +1.4% |
| 2020 | $406 -0.9% | $59,497 +2.3% |
| 2019 | $410 -35.1% | $58,159 +1.9% |
| 2018 | $631 +2.6% | $57,075 +2.1% |
| 2017 | $615 | $55,901 |
Find assessor info on the county website
Monthly payment
Estimated monthly payment
All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
See how much you could borrow to make a competitive offer.
Climate risks
Neighborhood: 33898
Nearby schools
GreatSchools rating
- 2/10Spook Hill Elementary SchoolGrades: PK-5Distance: 7 mi
- 1/10Mclaughlin Middle School And Fine Arts AcademyGrades: 6-10Distance: 7 mi
- 3/10Bartow Senior High SchoolGrades: 9-12Distance: 22.8 mi
A local agent can set up tours, give advice and negotiate with sellers.
A local lender can help you make sure your offer is ready when you are.
- Florida
- Polk County
- Lake Wales
- 33898
- 38 Queen Of Waters St
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