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$500,000 Just Listed
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Property Description
Big Updates, Low HOA & Easy Florida Living in Saratoga! Welcome to the beautiful Saratoga Lakes, where low HOA fees, a great Royal Palm Beach location, and a long list of valuable improvements come together in one very appealing home. This gorgeous single-story residence offers three bedrooms, two bathrooms, 1,366 square feet of living space with vaulted ceilings, and a two-car garage, but the real story here is just how much has already been done. Now you can customize this one story interior to make it your own, and get into this gorgeous community at a low price! Let's start with the expensive stuff. The roof was replaced in 2018, and that same year the entire home was replumbed. The air conditioning system has also been replaced over the past several years. Add accordion hurricane shutters and wiring already in place for a whole-house generator, and some of the biggest items on a Florida homeowner's checklist have already been addressed. The outdoor space is just as practical. The backyard is fully fenced, the fence was installed in 2018, and all screens on the front and rear patios were replaced that same year. Even better, the sprinkler system runs on well water, so keeping the South Florida lawn looking good does not mean watching your water bill climb along with the grass. The home also features keypad garage entry and an existing ten-camera security system. Saratoga Lakes residents enjoy a beautifully remodeled community pool, while the refreshingly low HOA fee includes basic cable and internet. There is a lot to love about a home where the previous owners have already tackled so many of the projects buyers would rather not inherit. Combine that with single-story living, a two-car garage, a fenced yard, hurricane protection, a low HOA, and a fantastic Royal Palm Beach location, and this one deserves a spot at the top of the list.
Full Property Details
Full Property Details for 103 Saddle Trail
General
- Price: $500,000
- HOA FEE: $150/month
- Taxes: $4,009 (2025)
- Status: Active
- Type: Single Family
- Source: Regional
- MLS ID: B26072295
- Updated: 9/4/2026
- Added to Site: 1 day(s) ago
Interior
- Number of Rooms: 6
- Interior Features: Bathtub, Cathedral Ceiling(s), Dual Sinks, Entrance Foyer, Eat-in Kitchen, Kitchen/Dining Combo, Living/Dining Room, Main Level Primary, Pantry, Soaking Tub, Separate Shower, Vaulted Ceiling(s), Walk-In Closet(s)
- Appliances: Dryer, Dishwasher, Electric Range, Electric Water Heater, Disposal, Ice Maker, Microwave, Refrigerator, Water Heater, Washer
- Furnishings: Unfurnished
- Flooring: Carpet, Ceramic Tile
Rooms
Bathrooms
- Total Bathrooms: 2
- Full Bathrooms: 2
- Main Floor Baths: 2
Bedrooms
- Total Bedrooms: 3
- Bedrooms Main: 3
Other Rooms
- Laundry: Inside
Additional Information
- Shared Amenities: Clubhouse, Pool, Sidewalks, Tennis Court(s), Trail(s)
- Pool: Yes
- Pool Description: Association
- Security/Safety: Security System Owned
Exterior
- Exterior Features: Outdoor Living Area
- Porch/Patio/Deck: Patio, Screened
Parking
- Garage: Yes
- Attached garage: Yes
- Garage Spaces: 2
- Covered Spaces: 2
- Total Spaces: 4
- Parking Features: Attached, Garage, Garage Door Opener, On Street
Location
- County: Palm Beach
- Subdivision: SARATOGA AT ROYAL PALM 3
- Direction Faces: South
School Information
- Elementary School: H. L. Johnson
- Middle School: Crestwood
- High School: Royal Palm Beach
Community
- Community Name: 5530
- Association: Yes
- Assoc. Name: Saratoga Lakes HOA
- Assoc. Fees Include: Common Areas, Cable TV, Internet
- Pets Allowed: Yes
Heating & Cooling
- Central air: Yes
- Air Conditioning: Yes
- Cooling Type: Central Air
- Heating Type: Central
Utilities
- Sewer: Public Sewer
- Water: Public
- Cable Available: Yes
- Utility Description: Cable Available, Sewer Available, Water Available
Structural Information
- Architectural Style: Ranch
- Structure Type: House
- Construction: Block
- Roof: Composition, Shingle
- Windows: Arched, Blinds, Drapes
- Entry Floor Number: 1
- Entry Location: Entry Level Living Area Y
- Stories/Levels: 1
- Building Size: 1975
- Square Feet: 1,366
- Sq. Ft. Source: Public Records
- Living Area: 1,366 Sq. Ft.
- Year Built: 1995
- Property Condition: Resale
Lot Features
- Property View: Garden
- Lot Size (Acres): 0.11
- Street Lights: Yes
- Sidewalks: Yes
- Irrigation System: Well
- Lot Features: Sprinklers Automatic, Sprinkler System, 1/4 Acre
- Zoning: PUD(ci
Water Features
- Water Front View: None
Financial Considerations
- Association Fee: $150
- Assoc Fee Freq.: Monthly
- Tax Amount: $4,009
- Tax Year: 2025
- Terms: Cash, Conventional, FHA, VA Loan
Disclosures and Reports
- Special Conditions: Standard
- Legal Description: SARATOGA AT ROYAL PALM PL 3 LT 83
- Property ID: 72414315040000830
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Schools
Schools serving 103 Saddle Trail
School District:Palm Beach County School District
| Name | Grades | Distance |
|---|---|---|
H. L. Johnson Elementary School 1000 Crestwood Boulevard North, Royal Palm Beach, FL 33411 | PK-5 | 0.3 mi |
Crestwood Community Middle School 64 Sparrow Drive, Royal Palm Beach, FL 33411 | 6-8 | 2 mi |
Royal Palm Beach High School 10600 Okeechobee Boulevard, Royal Palm Beach, FL 33411 | 9-12 | 1.9 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 103 Saddle Trail
Date
Details
Price
Change
Source
9/04/2026
Listed
$500,000
72.41%
MLS
7/27/2018
Sold
$290,000
—
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 103 Saddle Trail
Year
Property Taxes
Change
Tax Assessment
Change
2025
$4,062
3%
$253,754
3%
2024
$3,929
3%
$246,603
3%
2023
$3,823
1%
$239,420
3%
2022
$3,769
1%
$232,447
3%
2021
$3,738
—
$225,677
1%
2021
$3,738
-2%
$222,561
-1%
2019
$3,811
34%
$225,700
25%
2018
$2,840
6%
$180,237
7%
2017
$2,670
-2%
$169,152
1%
2016
$2,723
20%
$167,634
16%
2015
$2,263
16%
$144,504
6%
2014
$1,956
11%
$136,545
6%
2013
$1,756
—
$128,845
—
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 103 Saddle Trail
103 Saddle Trail, Royal Palm Beach, FL 33411 (MLS# B26072295) is a Single Family property with 3 bedrooms and 2 full bathrooms. 103 Saddle Trail is currently listed for $500,000 and was received on September 04, 2026. Want to learn more about 103 Saddle Trail? Do you have questions about finding other Single Family real estate for sale in Royal Palm Beach? You can browse all Royal Palm Beach real estate or contact a Coldwell Banker agent to request more information.

