Saddlebag Lake
Solid value in a growing area
Median $195K·Schools 4.7/10
The lake itself—90 acres of calm water stocked with bluegill and bass—is what draws people here, along with the kind of seclusion that comes with a platted subdivision where most homes sit on their own slice of waterfront. A-frames and ranch-style homes cluster along canals and the main shoreline, many with pole barns, detached garages, and the kind of setup that suggests weekend retreats or full-time escapes built for fishing and quiet mornings on the water.
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Why people love it here
$195K median
- Based on 3yr sales
Explore Saddlebag Lake
Same name, different focus — Saddlebag Lake is also covered as:
- Saddlebag Lake Lake Area — lake area details
Conventional Mortgage Calculator
Median home price in Saddlebag Lake
Estimated Monthly Payment
$1,324/mo
Property tax and insurance are estimates you can edit — not a quote. Tap either figure to enter your own.
The interest rate shown is not an annual percentage rate (APR). Rate displayed is the current average 30-year fixed rate from the Freddie Mac Primary Mortgage Market Survey and is subject to change without notice. Your actual rate, payment, and costs may vary. Contact a loan officer for a personalized quote.
Guild Mortgage NMLS #3274. Equal Housing Opportunity. NMLS Consumer Access. Not a commitment to lend. All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction.
Based on 3 rated schools nearby
Range: 3/10 to 6/10
School District: Evart Public Schools
Crime in Saddlebag Lake is reported at the city level, not the neighborhood level. The FBI doesn't publish reliable crime rates for individual neighborhoods, and within any community crime varies street to street. For an accurate, comparable picture, see the jurisdiction-wide figures for Osceola County.
Osceola County crime & safety stats →To buy a median-priced Saddlebag Lake home (around $195,000) at today's 6.65% 30-year fixed rate with 20% down, you'd need roughly $35k/year in household income to qualify — an estimated monthly payment of $1,313 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $1,313/mo | $35,026 |
| 10% (+PMI) | $1,512/mo | $40,314 |
| 5% (+PMI) | $1,578/mo | $42,091 |
Estimates use a 6.65% 30-year fixed rate (current Freddie Mac average), an aggressive ~45% housing-to-income ratio (roughly what FHA underwriting can allow for a buyer with no other monthly debts — your number depends on your debts and credit), this area's median sale price, plus estimated insurance and PMI below 20% down. Not a commitment to lend, and not an APR — your actual rate and payment will vary.
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Frequently asked about Saddlebag Lake
- What do homes cost in Saddlebag Lake?
- The median home value in Saddlebag Lake is about $195,000. Individual prices vary by street, size, and condition.
- How active is the Saddlebag Lake housing market?
- there is 1 home for sale in Saddlebag Lake right now. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Saddlebag Lake?
- Saddlebag Lake is served by Evart Public Schools. Its highest-rated assigned school is Evart Middle School (6/10).
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