$469,000
Active42320 Saddleback Trl, Punta Gorda, FL 33982
3 beds · 3 baths · 2,220 sq ft
Listing courtesy of EXP REALTY LLC · MLS# C7532598
Listed today
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
Water views, tile throughout, and just 0.3 miles to Founder’s Square and the new B Street dining and shopping district. Welcome to 42320 Saddleback Trail, an upgraded Rosewood floor plan in Lake Timber, the founding neighborhood of Babcock Ranch. This 2,220 sq ft home offers three bedrooms, three full baths, a den, and a two-car garage. A covered front porch leads into a foyer and an open great room. The kitchen features a large center island, upgraded cabinetry and backsplash, and water filtration to both the sink and refrigerator. Cohesive plank tile flooring runs through the entire home. Sliding glass doors open to an extended covered lanai with water views, privacy screens, and plenty of space to add a pool. The primary suite includes two walk-in closets, dual vanities, a soaking tub, and a walk-in shower. Both secondary bedrooms have their own en-suite bath, and the den works as a home office or study. Upgrades include custom wood closet shelving, extra shoe storage, a whole-house surge protector, Kevlar screened-in front entryway, video doorbell, MyQ app-enabled garage door, and an EV charging connection in the garage. Storm protection includes accordion hurricane shutters, an impact-rated front window, and metal roll-down hurricane shutters on the lanai. Lake Timber is an established neighborhood with one master association fee and no separate neighborhood HOA. Enjoy convenient access to SR 31 and I-75, connecting you to Fort Myers, Punta Gorda, and Naples. Residents can take advantage of Lake Timber Lodge, featuring a zero-entry pool and playground overlooking 80-acre Lake Timber, plus full access to Babcock Ranch’s master amenities and lifestyle events, nearby Publix, The Shoppes at Yellow Pine, The PKWY parks, miles of trails, Babcock Neighborhood School, and the future MidTown Marketplace. All within Babcock Ranch, “America’s first solar-powered town” and one of the nation’s top-selling master-planned communities, Lake Timber offers a connected lifestyle with everyday conveniences close to home.
Facts
- Property type
- Single Family Residence
- Year built
- 2020
- Bathrooms
- 3 full
- Living area
- 2,220 sqft
- Lot size
- 0.24 acres
- Water view
- Yes
- Private pool
- No
- Exposure
- North
- Furnished
- Unfurnished
- Flood zone
- X
- CDD
- Yes
- 55+ community
- No
- Annual taxes
- $5,762/yr
- Monthly fees
- $136/mo
- Listed
- Oct 26, 2026
- MLS #
- C7532598
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Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 42320 SADDLEBACK TRL. Everything below is editable.
AssumptionNot a quoted rate. Ask a lender what you actually qualify for today.
From this listingThe seller's most recent annual tax bill as reported to the MLS. Your bill will differ — Florida reassesses on sale and homestead caps reset.
Editable estimateA placeholder, not a quote. On the Gulf Coast this is the line item most likely to be wrong: premiums swing on roof age, wind mitigation, elevation, and carrier appetite. Get a real quote before you rely on this number.
Starts at $0Deliberately zero until you enter a figure — we will not inflate a payment with a guess. Many homes here need it; ask us for the property's flood zone and the current policy's premium.
From this listingMonthly association fee as reported to the MLS. Confirm what it includes, and ask about special assessments.
AssumptionNot applied — your down payment is 20% or more.
Estimated total monthly payment
$3,379
$2,372 of that is principal & interest. 30% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $2,372
- Property taxes
- $480
- Homeowners insurance
- $391
- Flood insurance
- $0
- HOA / condo fees
- $136
- Mortgage insurance (PMI)
- $0
- Total per month
- $3,379
Over the life of the loan
- Loan amount
- $375,200
- Down payment
- $93,800
- Total interest
- $478,547
- Principal + interest paid
- $853,747
- Paid off in
- 2056
Interest is the exact schedule total for a fixed-rate loan held to term and assumes no extra payments. Taxes, insurance and fees are not included in these lifetime figures because they change every year.
Calculated on this page from the figures above — nothing is sent anywhere and no lender is quoting you. Figures are estimates for planning only, not a pre-approval, commitment to lend, or a statement of the taxes and insurance you will actually be charged. Lasbury Tracy Realty Inc. is a real estate brokerage, not a lender or an insurance agent.
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42320 Saddleback Trl, Punta Gorda, FL 33982
Listing courtesy of EXP REALTY LLC · MLS# C7532598 · Active
Where this home is
Opens on aerial — on this coast the canal, the lot and the neighbours answer more questions than a street grid does.
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