




35 photos
103 Saddle
Royal Palm Beach, FL 33411
Listing courtesy of KW Innovations (Tracy Ciucci). Contact: [email protected].
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.
- Principal and interest
- $2,528
- Property tax
- $669
- Homeowners insurance
- $317
- HOA
- $150
An estimate, not a loan offer. The rate and insurance are assumptions to edit with your own quotes; Florida insurance varies widely by age, construction and distance to the coast. Flood insurance and PMI are not included.
Estimate: the price times the Palm Beach County average total millage (17.49 mills, Florida Department of Revenue, 2025 average total millage by county), less the homestead exemptions. The actual bill depends on the city, the assessed value and special assessments. Save Our Homes then caps annual assessment increases at 3% or inflation, whichever is lower.
Outside the special flood hazard area. Flood insurance is optional.
Sources: FEMA National Flood Hazard Layer and the Florida Division of Emergency Management evacuation zones, looked up at the listing point. Confirm with an elevation certificate and your insurer.
Listing data provided by the Southeast Florida Multiple Listing Service (MIAMI REALTORS®). The data is deemed reliable but is not guaranteed accurate by the MLS. IDX information is provided exclusively for consumers' personal, non-commercial use, may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and is deemed reliable but is not guaranteed accurate by the MLS. Atlantic Luxury Advisors is a real estate team at Keller Williams Realty. Payment, tax and flood figures on this page are estimates by Atlantic Luxury Advisors, not MLS data.





