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$469,000

Active

42320 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

Virtual tour

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Estimate the monthly payment

Estimate by Lasbury Tracy Realty — not a loan offer

Starting 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.

Take a tour

Pick a day that suits you — a licensed Lasbury Tracy agent confirms personally, usually within minutes. No account needed.

42320 Saddleback Trl, Punta Gorda, FL 33982

Listing courtesy of EXP REALTY LLC · MLS# C7532598 · Active

How would you like to see it?
Which day?
What time of day?

In person · Thu, Oct 29 · Midday (12-3)

No account, no obligation. Prefer to talk? (941) 474-5585

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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Listing information is provided in part by Stellar MLS, as distributed by MLS GRID. Based on information submitted to the MLS as of Oct 29, 2026, 1:15 PM (ET). All data is obtained from various sources and may not have been verified by broker or MLS. All information provided is deemed reliable but is not guaranteed and should be independently verified. 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. Some IDX listings have been excluded from this website.

Lasbury Tracy Realty Inc. · [email protected]