13 SILVERSIDES STREET, LAKE WALES, FL, 33898
Active174 days on marketListed Feb 10, 2026MLS #L4959159
About this home
13 SILVERSIDES STREET
$5000 PRICE DROP! Welcome to 13 Silverside Street, located in the highly sought-after 55+ community of Saddlebag Lake in Lake Wales. This well-maintained home offers the rare opportunity to own your own lot and is being offered fully furnished, providing a truly turnkey opportunity in an established, active adult community. The main living area features an open-concept layout with a modern touch, highlighted by crown molding that adds warmth and character. The kitchen is thoughtfully designed with pullout drawers for ease and accessibility and includes a brand-new stainless steel refrigerator, enhancing both function and style. The home also offers a dedicated laundry room with ample storage and an exterior access door. The spacious primary bedroom includes a walk-in closet and an ensuite bathroom featuring a stand-up shower with seating. A second full bathroom with a tub provides added convenience for guests. This home is completely furnished and move-in ready, allowing the new owner to settle in immediately. The golf cart is included, complete with brand-new batteries and charger, and the fully stocked tool shed—with barbecue and tools—adds extra functionality and value. The low-maintenance yard features no grass, and the property includes a front handicap-accessible ramp leading to an asphalt slab/porch, offering durable outdoor space and enhanced accessibility. There is a painted patio stone walkway to the backyard shed and a 24x15 painted patio pad leading to the rear of the home. Residents of Saddlebag Lake enjoy an impressive array of resort-style amenities, including a crystal-clear community pool, screen-enclosed hot tub, recreation center with pool tables and saunas, tennis and pickleball courts, professional-grade covered shuffleboard courts, horseshoe pits, a driving range, lake access for boating and fishing, and a beach house with covered patio and full kitchen available for private events by reservation. Experience a relaxed, low-maintenance lifestyle in a vibrant, well-established community with HOA oversight. Saddlebag Lake is known for its active adult living and convenient location near shopping, dining, medical facilities, and major roadways. HOA rules and restrictions apply; buyers to verify all information.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,056
Sqft
0.09 ac
Lot size
2004
Year built
One
Levels
$128
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$1,400 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$1,400/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−13.6%
$/sqft vs Lake Wales actives
$128 vs $171
Days on market
174 vs 52 typical
Where $128/sqft sits among the 371 Lake Wales actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Saddlebag Lake
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lake Wales. See the full Lake Wales guide →
Saddlebag Lake — neighborhood snapshot
Population
569
Median age
68
Median income
$34,972
Median home value
$83,600
Avg household
1
Households w/ children
16%
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Lake Wales market
$275K → $271K
Lake Wales median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
164 of 371
Lake Wales actives have cut their price
Median sold price, Lake Wales, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 4% below the LAKE WALES 33898 median. See the full Lake Wales market guide →
Paper trail
This home's history
Reality check
What actually sold near 13 SILVERSIDES STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$145,000
10 GREY FOX LANE · same community
2 bd · 2 ba · 1,044 sqft · $139/sqft · 95 DOM
Sold · Mar ’26$140,000
16 SILVER DOCTOR LANE · same community
2 bd · 2 ba · 1,080 sqft · $130/sqft · 272 DOM
Sold · Mar ’26$135,000
11 GREY FOX LANE · same community
2 bd · 2 ba · 1,152 sqft · $117/sqft · 143 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 13 SILVERSIDES STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13 SILVERSIDES STREET — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
13 SILVERSIDES STREET FAQs
What would the monthly payment be for 13 SILVERSIDES STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,400/mo — principal and interest, the actual property-tax bill, the $227/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 13 SILVERSIDES STREET?+
The association fee works out to $227 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 13 SILVERSIDES STREET?+
The most recent tax bill on record (2025) was $1,903. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 13 SILVERSIDES STREET?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Lake Wales?+
At $134,990, this home is listed about 46% below the Lake Wales median of $250,000. The market section on this page shows how the area is trending.
Which schools are assigned to 13 SILVERSIDES STREET?+
Spook Hill Elementary School (elementary), Bartow Senior High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the LAKE WALES 33898 market on paper
$134,990 is 4% below the LAKE WALES 33898 median of $139,999, and at $128/sqft it sits under the Lake Wales average of $198.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
174 days on market against a Lake Wales median of 52 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $139,990, now $134,990 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY SMART 1 · David Small. MLS #L4959159.
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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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