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$274,900
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Property Description
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.
Full Property Details
Full Property Details for 38 Queen of Waters St
General
- Price: $274,900
- HOA FEE: $245/month
- HOA FEE FREQ.: Quarterly
- Taxes: $712 (2024)
- Status: Active
- Type: Mobile Home
- Source: MidFloridaRegionalMLS
- MLS ID: L4951660
- Updated: 3/28/2026
- Added to Site: 394 day(s) ago
Rental Information
- Min. Lease: No Minimum
Interior
- Number of Rooms: 8
- Interior Features: Ceiling Fan(s), L Dining, Living Room/Dining Room Combo, Open Floorplan, Primary Bedroom Main Floor, Thermostat, Vaulted Ceiling(s), Window Treatments
- Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
- Furnishings: Partially
- Flooring: Laminate, Linoleum
Rooms
Bathrooms
- Total Bathrooms: 2
- Full Bathrooms: 2
Bedrooms
- Total Bedrooms: 2
Other Rooms
- Laundry: Inside, Laundry Room
Additional Information
- Shared Amenities: Clubhouse, Fitness Center, Gated, Laundry, Pickleball Court(s), Pool, Racquetball, Recreation Facilities, Sauna, Security, Shuffleboard Court, Spa/Hot Tub, Storage, Tennis Court(s)
Exterior
- Exterior Features: Awning(s), Lighting, Rain Gutters, Sliding Doors
- Deck/Patio: Covered, Porch, Rear Porch, Screened, Side Porch
- Porch/Patio/Deck: Covered, Porch, Rear Porch, Screened, Side Porch
Parking
- Carports: Yes
- Carport: 4
- Carport Spaces: 4
- Covered Spaces: 4
- Parking Features: Driveway, Ground Level, Off Street
Location
- Area: 33898 - Lake Wales
- County: Polk
- Development Name: 33898 - Lake Wales
- Subdivision: SADDLEBAG LAKE
- Driving 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.
- Direction Faces: West
Community
- Community Name: 33898 - Lake Wales
- 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)
- Optional Amenities: Clubhouse, Fitness Center, Gated, Laundry, Pickleball Court(s), Pool, Racquetball, Recreation Facilities, Sa
- Association: Yes
- Assoc. Name: Stambaugh Inc / Tanisha Schroeder
- Assoc. Fees Include: Common Area Taxes, Community Pool, Maintenance Grounds, Manager, Pool Maintenance, Private Road, Recreational Facilities, Security, Sewer, Trash, Water
- Pet Restrictions: Please verify restrictions with HOA
- Adult Community: Yes
Heating & Cooling
- Cooling Type: Central Air
- Heating Type: Electric
Utilities
- Sewer: Private Sewer
- Water District: SADDLEBAG LAKE
- Water: Private
- Utility Description: Cable Connected, Electricity Connected, Sewer Connected, Water Connected
Structural Information
- Architectural Info: Florida
- Architectural Style: Florida
- Exterior Const.: Other, Vinyl Siding, Wood Frame
- Roof: Shingle
- Windows: Blinds, Double Pane Windows
- Stories/Levels: One
- Square Feet: 1,152
- Sq. Ft. Source: Public Records
- Year Built: 2008
Manufactured Home
- Mobile Home Type: Double Wide
Additional Structures
- Other Structures: Shed(s)
Lot Features
- Property View: Water
- Lot Size (Acres): 0.1
- Lot Size (Sq. Ft.): 4,212
- Lot Size: 4212
- Frontage: Street Paved, Private Road
- Street/Road Desc.: Paved, Asphalt
Water Features
- Water Front: Yes
- Water View: Yes
- Water Access: Yes
- Water Access Desc: Lake
- Water Front Name: SADDLEBAG LAKE
- Water Front Desc.: Canal Front, Lake, Waterfront, Lake Front
Financial Considerations
- Association Fee: $734
- Assoc Fee Freq.: Quarterly
- Assoc Fee Desc.: Required
- Tax Amount: $712.33
- Tax Year: 2024
Disclosures and Reports
- Ownership: Fee Simple
- Special Conditions: None
- Legal Description: SADDLEBAG LAKE UNIT #2 PB 61 PGS 18/20 BLK 32 LOT 1
- Flood Zone Info: AE
- APN: 283001939020032010
- Property ID: 283001939020032010
- Block/Lot/Section: 32
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Schools
Schools serving 38 Queen of Waters St
School District:Polk County School District
| Name | Grades | Distance |
|---|---|---|
Spook Hill Elementary School 321 Doctor JA Wiltshire Avenue, Lake Wales, FL 33853 | PK-5 | 7 mi |
Mclaughlin Middle School And Fine Arts Academy 800 South 4th Street, Lake Wales, FL 33853 | 6-8 | 7 mi |
Bartow Senior High School 1270 South Broadway Avenue, Bartow, FL 33830 | 9-12 | 22.8 mi |
Disclaimer:
School attendance boundaries provided by ATTOM Data Solutions and are for reference only. Contact the school directly to verify enrollment eligibility.
Price & Sales History for 38 Queen of Waters St
Date
Details
Price
Change
Source
3/15/2026
Price Reduced
$274,900
-0.04%
MLS
3/24/2025
Listed
$275,000
175%
MLS
5/04/2011
Sold
$100,000
—
Public Record
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
Tax History
Tax History for 38 Queen of Waters St
Year
Property Taxes
Change
Tax Assessment
Change
2025
$418
-41%
$67,836
3%
2024
$712
3%
$65,924
3%
2023
$694
4%
$64,004
6%
2021
$668
-1%
$60,330
-3%
2022
$675
1%
$62,140
4%
2021
$668
11%
$59,497
4%
2017
$604
—
$57,075
2%
2017
$604
1%
$55,901
2%
2016
$598
-1%
$54,751
1%
2015
$606
-4%
$54,370
-7%
2019
$631
14%
$58,159
14%
2014
$555
-1%
$50,962
1%
2013
$559
—
$50,209
—
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
Estimate the Cost
Estimate the Cost for 38 Queen of Waters St
38 Queen Of Waters Street, Lake Wales, FL 33898 (MLS# L4951660) is a Mobile Home property with 2 bedrooms and 2 full bathrooms. 38 Queen Of Waters Street is currently listed for $274,900 and was received on March 24, 2025. Want to learn more about 38 Queen Of Waters Street? Do you have questions about finding other Mobile Home real estate for sale in Lake Wales? You can browse all Lake Wales real estate or contact a Coldwell Banker agent to request more information.

