243 SADDLE LANE, RIVER RANCH, FL, 33867
Active30 days on marketListed Jun 23, 2026MLS #TB8522204
About this home
243 SADDLE LANE
Welcome to River Ranch RV Resort, one of Central Florida's premier luxury RV destinations! This fee-simple deeded corner lot offers an affordable opportunity to own your own piece of paradise with no lot rent. Measuring approximately 40' x 69', the property is beautifully shaded by mature Grand Oak trees, providing the perfect balance of sun and shade for relaxing outdoor living. Conveniently located near the resort pools, laundry facilities, and bathhouses, this lot is ideal for weekend getaways, seasonal living, or investment potential. River Ranch RV Resort features beautifully maintained grounds and an active resort lifestyle with amenities including a swimming pool, tennis and pickleball courts, clubhouse, billiards room, poker room, and year-round social activities. The HOA fee of $942 each quarter includes water, sewer, cable TV/Streaming, high-speed internet, lawn care, trash service, and 24-hour gated security. Owners also enjoy access to the adjacent Westgate River Ranch Resort, featuring a live rodeo every Saturday night, live entertainment, horseback riding, airboat rides, mini golf, trap and skeet shooting, restaurants, saloon, coffee shop, ice cream parlor, and additional family-friendly attractions. Lease-friendly, pet-friendly, and with no RV age restrictions, this property offers the ultimate Florida RV lifestyle in a sought-after resort community.
Facts & features
The home at a glance
0.06 ac
Lot size
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.
$1,392 /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
$1,392/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.
Where it sits
Inside River Ranch
Get to know River Ranch. See the full River Ranch guide →
RIVER RANCH 33867 — neighborhood snapshot
Population
64
Median age
69.8
Avg household
1.21
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The River Ranch market
$237K → $181K
River Ranch median sold, yr/yr
92.8%
Sale-to-list ratio (12 mo)
Median sold price, River Ranch, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 23% below the RIVER RANCH 33867 median. See the full River Ranch market guide →
Paper trail
This home's history
Reality check
What actually sold near 243 SADDLE LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$160,000
47 PALAMINO PATH
1 bd · 1 ba · 480 sqft · $333/sqft · 81 DOM
Sold · Jun ’26$142,000
3200 RIVER RANCH BOULEVARD UNIT 303
1 bd · 1 ba · 555 sqft · $256/sqft · 233 DOM
Sold · Oct ’25$162,000
3200 RIVER RANCH BOULEVARD UNIT 204
1 bd · 1 ba · 629 sqft · $258/sqft · 388 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 243 SADDLE LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 243 SADDLE LANE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
243 SADDLE LANE FAQs
What would the monthly payment be for 243 SADDLE LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,392/mo — principal and interest, the actual property-tax bill, the $314/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 243 SADDLE LANE?+
The association fee works out to $314 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 243 SADDLE LANE?+
The most recent tax bill on record (2025) was $1,523. 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 243 SADDLE LANE?+
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 River Ranch?+
At $125,000, this home is listed about 10% below the River Ranch median of $139,000. The market section on this page shows how the area is trending.
Which schools are assigned to 243 SADDLE LANE?+
Frostproof Ben Hill Griffin Junior Elementary School (elementary) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of FUTURE HOME REALTY INC · Michelle Chandler. MLS #TB8522204.
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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