


103 Saddle Trail, Royal Palm Beach, FL 33411
- Beds
- 3
- Baths
- 2
- Sqft
- 1,366
- Home type
- Single Family Residence
- Year built
- 1995
- Lot size
- 4,792 sqft
- Price / sqft
- $366
- HOA
- $150/mo
- Community
- SARATOGA AT ROYAL PALM 3
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.
Listing activity
- Days on market
- 16
- Listed
- Sep 4, 2026
- MLS listing updated
- Sep 20, 2026
- Feed last checked
- 3 minutes ago
Listed by Tracy Ciucci · KW Innovations
Map
Map location is based on MLS-supplied coordinates. Verify the location before relying on it.
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms
- 3
- Bathrooms
- 2
- Bathrooms (decimal)
- 2
- Full bathrooms
- 2
- Half bathrooms
- 0
- Main-level bedrooms
- 3
- Main-level bathrooms
- 2
Rooms & features
- Rooms
- 6
- Interior features
- Cathedral Ceiling(s), Entrance Foyer, Pantry, Vaulted Ceiling(s), Walk-In Closet(s)
- Flooring
- Carpet, Ceramic Tile
- Appliances
- Electric Water Heater, Dishwasher, Disposal, Dryer, Electric Range, Ice Maker, Microwave, Refrigerator, Washer, Water Heater
- Laundry
- Inside
- Furnished
- Unfurnished
- Window features
- Arched, Blinds, Drapes
Heating & cooling
- Heating
- Central
- Cooling
- Central Air
Property
Parking
- Garage spaces
- 2
- Garage
- Yes
- Carport
- No
- Parking spaces
- 4
- Covered spaces
- 2
- Parking features
- Attached Garage, Garage, Garage Door Opener, On Street
- Attached garage
- Yes
Exterior
- Stories
- 1
- Building area
- 1,975 sqft
- Patio & porch
- Patio - Screened, Patio
- Pool
- No
- View
- Garden
- Waterfront
- None
- Waterfront property
- No
Lot
- Lot size
- 4,792 sqft
- Lot size (acres)
- 0.11 acres
- Lot features
- Sidewalks
- Zoning
- PUD(ci
- Road surface
- Paved
Construction
Type & style
- Home type
- Single Family Residence
- Structure type
- House
- Architectural style
- Ranch
- Year built
- 1995
- New construction
- No
Materials
- Construction
- CBS
- Roof
- Composition, Shingle
- Property condition
- Resale
- Faces
- South
Utilities & green energy
Utilities
- Electric
- Three Phase
- Sewer
- Public Sewer
- Water
- Public
- Utilities
- Cable Available, Sewer Available, Water Available
Community & HOA
Community
- Subdivision
- SARATOGA AT ROYAL PALM 3
- MLS area
- 5530
- MLS subarea
- PB24
- Security
- Security System Owned
- Pets allowed
- Pet Restrictions Possible, Yes
- 55+ community
- No
Association
- Has association
- Yes
- Association fee
- $150 monthly
- Estimated monthly dues
- $150
- Amenities
- Pool, Clubhouse, Community Room, Jogging Path, Sidewalks, Street Lights, Tennis Court(s)
- Services included
- Cable TV, Common Areas, Internet
- Association name
- Saratoga Lakes HOA
Lease details
Not reported by the listing source.
Location
Area details
- City
- Royal Palm Beach
- County
- Palm Beach
- ZIP code
- 33411
Manufactured home details
Not reported by the listing source.
Financial & listing details
Listing
- MLS number
- B26072295
- Possession
- Close Of Escrow, Negotiable
- Original list price
- $500,000
- Parcel number
- 72414315040000830
- Annual property tax
- $4,009
- Tax year
- 2025
- Tax legal description
- SARATOGA AT ROYAL PALM PL 3 LT 83
- Special listing conditions
- Standard
Additional MLS details
Reported by the listing source
- Association Amenities
- Pool, Clubhouse, Community Room, Jogging Path, Sidewalks, Street Lights, Tennis Court(s)
- Association Fee Frequency
- Monthly
- Association Fee Includes
- Cable TV, Common Areas, Internet
- Association
- Yes
- Bathrooms Total Decimal
- 2
- Bathrooms Total Integer
- 2
- Building Area Total
- 1975
- Construction Materials
- CBS
- County Or Parish
- Palm Beach
- Days On Market
- 16
- Direction Faces
- South
- Elementary School
- H. L. Johnson
- High School
- Royal Palm Beach
- Laundry Features
- Inside
- List Price
- 500000
- Listing Contract Date
- 2026-09-04
- Living Area
- 1366
- Lot Size Acres
- 0.11
- Lot Size Area
- 5000
- MLSArea Major
- 5530
- MLSArea Minor
- PB24
- Main Level Bathrooms
- 2
- Main Level Bedrooms
- 3
- Middle Or Junior School
- Crestwood
- Mls Status
- Active
- On Market Date
- 2026-09-04
- Parking Total
- 4
- Patio And Porch Features
- Patio - Screened, Patio
- Photos Count
- 35
- Postal Code
- 33411
- Property Sub Type
- Single Family Residence
- Property Type
- Residential
- Road Surface Type
- Paved
- Rooms Total
- 6
- Security Features
- Security System Owned
- Senior Community
- No
- Standard Status
- Active
- State Or Province
- FL
- Status Change Timestamp
- 2026-09-04T12:28:33Z
- Stories Total
- 1
- Subdivision Name
- SARATOGA AT ROYAL PALM 3
- Water Source
- Public
- Waterfront Features
- None
- Tax Annual Amount
- 4009
- Bathrooms Full
- 2
- Pool Private
- No
- Bedrooms Total
- 3
- Bathrooms Half
- 0
- Financial Information: Estimated Monthly Assoc Recurring Fee
- 150
Market value
Price history
| Date | Event | Price |
|---|---|---|
| Sep 4, 2026 | ListedBeachesMLS | $500,000$366/sqft |
Public tax history
| Year | Property taxes | Assessment |
|---|---|---|
| 2025 | $4,009 | — |
Payment calculator
- Principal & interest
- $2,594
- Property taxes
- $334
- Insurance
- $250
- Association dues
- $150
Live national rate context is displayed below through Mortgage News Daily’s official widget. The calculator rate remains a separate assumption until licensed machine-readable access is connected. This is not a loan offer.
Neighborhood
Area
SARATOGA AT ROYAL PALM 3Royal Palm Beach · Palm Beach County · 33411
Climate risk
—No licensed climate-risk source is connected.
Nearby schools
Nearby homes
12 homes
Property photos coming from MLS











Similar homes
12 homes
Property photos coming from MLS






Property photos coming from MLS
























