$249,900
38 Queen Of Waters Street
Lake Wales, FL 33898
Listing updated: September 14, 2026 at 2:31 PM ET
Listing courtesy of Remax Experts · Amanda Wright · MLS #L4951660 · Active · 863-802-5262Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Flood zone
About this home
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.
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history539 days on market
- Status: ActiveMar 24, 2025
- Listed$275,000Mar 24, 2025
- Price reduced$249,900
Facts & features
- Property type
- Residential
- Sub type
- Manufactured Home
- Status
- Active
- Days on market
- 539
- Subdivision
- Saddlebag Lake
- County
- Polk
- Year built
- 2008
- Living area
- 1,152 sq ft
- Price/sq ft
- $217
- Building area
- 1,392 sq ft (Public Records)
- Lot size
- 4,212 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- AE (12105C0590G)
- Annual taxes
- $712 (2024)
- Parcel #
- 28-30-01-939020-032010
- Zoning
- PUD
- MLS #
- L4951660
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Interior Details
- Bedrooms
- 2
- Full bathrooms
- 2
- Flooring
- Laminate, Linoleum
- Appliances
- Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
- Interior features
- Ceiling Fans(s), L Dining, Living Room/Dining Room Combo, Open Floorplan, Primary Bedroom Main Floor, Thermostat, Vaulted Ceiling(s), Window Treatments
- Laundry
- Inside, Laundry Room
- Stories / Levels
- One
- Direction faces
- West
Heating & Cooling
- Heating
- Electric
- Cooling
- Central Air
Parking
- Parking features
- Driveway, Ground Level, Off Street
- Carport
- Yes
HOA & Financial
- HOA fee
- $734 / Quarterly
- Monthly HOA
- $245/mo
- Total monthly fees
- $245/mo
- Total annual fees
- $2,936
- HOA name
- Stambaugh Inc / Tanisha Schroeder
- CDD
- No
- Homestead exemption
- Yes
- Min lease term
- No Minimum
- Listing terms
- Cash, Conventional, FHA, USDA Loan, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- No
Exterior & Construction
- Exterior features
- Awning(s), Lighting, Rain Gutters
- Construction materials
- Other, Vinyl Siding, Frame
- Roof
- Shingle
- Foundation
- Crawlspace, Other, Slab
- Waterfront
- Yes
- Water access
- Yes
- Water view
- Yes
- Road surface
- Asphalt, Paved
Utilities
- Sewer
- Private Sewer
- Water source
- Private
- Utilities
- Cable Connected, Electricity Connected, Sewer Connected, Water Connected
Community
- Pets allowed
- Yes
- Senior community
- Yes
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Kitchen | First | 14.5x11 |
| Living Room | First | 16.5x12 |
| Dining Room | First | 11x10 |
| Primary Bedroom | First | 13x12 |
| Primary Bathroom | First | 12x6 |
| Bedroom 2 | First | 11.5x8.5 |
| Bathroom 2 | First | 7x4 |
| Laundry | First | 7x7 |
Listing Details
- Listing date
- 2025-03-21
- On market date
- 2025-03-24
- Original list price
- $275,000
- Occupant type
- Owner
- MLS area
- 33898 - Lake Wales
- Listing AOR
- Lakeland
- Status changed
- 2025-03-24
- Tax legal description
- SADDLEBAG LAKE UNIT #2 PB 61 PGS 18/20 BLK 32 LOT 1
Flood risk
FEMA Special Flood Hazard Area (1% annual-chance / “100-year” floodplain). Flood insurance is generally required by mortgage lenders.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
To reach 38 Queen of Waters St, Lake Wales, FL 33898, from Interstate 4 (I-4), take Exit 55 and merge onto US-27 South toward Haines City. Continue on US-27 South for approximately 23 miles, passing through Haines City and Dundee, until you reach FL-60 East in Lake Wales. Turn left onto FL-60 East and drive about 5 miles, then turn left onto Saddlebag Lake Rd. Follow the road into Saddlebag Lake Resort, and continue following the community signs to Queen of Waters St. Look for number 38 on the left side of the street. Please note that Saddlebag Lake Resort is a gated 55+ community, when you arrive at the gate, you will park and call in at the call box. Press the doorbell and tell them why you are there. The 24 hour monitored gate will be opened for you after checking in.
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Listings courtesy of Stellar MLS as distributed by MLS GRID
IDX information is provided exclusively 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.
Based on information submitted to the MLS GRID as of September 14, 2026 at 2:31 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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