1295 Saddle Ln, Moore Haven, FL 33471 Property Records

Glades County property record for 1295 Saddle Ln, Moore Haven, FL 33471

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,128 sqft · built 1982
Lot Size	1.14 acres (49,658 sqft)
Owner	2 Individual Names on File
Tax Bill	$413 (2025)
Deeds & Mortgages	Jun 2018 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`A10-42-32-A01-008B-0000`

Property Details

APN / Parcel Number

Primary APN	`A10-42-32-A01-008B-0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,128 sqft Heated Area
Gross Area	1,404 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1982
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	49,658 sqft (1.14 acres)
Porch	Open Porch
Porch Area	1,392 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C

Location & Zoning

Street Address	1295 SADDLE LN
City	MOORE HAVEN
State	FL
Zip	33471-6229
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEGIN AT A PT 105 FT S OF NW COR OF TR 44 TH RUN S 157.50 FT TH E 315 FT TH N 157.50 FT TH W 315 FT TO POB
Legal Range	32E
Legal Township	42S
Legal Section	10
Legal Tract	44
Jurisdiction	GLADES FL
Township / Civil Division	SOUTHWEST GLADES
Census Block Group	1
Census Block	1041
Census Tract	300

Owner

1295 Saddle Ln is owned and occupied by two individuals who acquired it in July 2017.

Source: Glades County records, as of December 8, 2025

Owner of Record	2 Individual Names on File
Mailing Address	1295 SADDLE LN, MOORE HAVEN, FL 33471-6229
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 15, 2017
Deed Sale	Jul 15, 2017
Prior Sale	Oct 17, 2011
Deed Document Number	201822001432
Deed Book / Page	321 / 054
Prior Transfer Date	Jun 2, 2015
Prior Transfer Doc	201522001257
Record Updated	Jun 8, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLADES FL
Property Address	1295 SADDLE LN, MOORE HAVEN, FL 33471-6229
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022001434
Date	Jun 1, 2018
Book Page	342/0857
Instrument	201822001434

Lender

Name	FIRST BANK
Type	Bank
Address	CLEWISTON, FL 33440

Agreement

Type	ARM
Amount	Amount on Record
Term	179 Months
Due	May 29, 2033

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	May 1, 2021
Change Frequency	Annually
Min Rate At Change	5.62%
Max Rate At Change	7.62%
Index	Other
Max Rate	11.6%

Tax Assessment & Valuation

The 2025 property tax bill for 1295 Saddle Ln was $413 with exemptions applied, up 3% from the year before.

Source: Glades County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Glades County
Unified School District	Glades County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$413.00 (+2.99%) Homeowner's exemption Widower's exemption	$61,355 (+2.9%)	$113,628 (+8.03%) Land $24,898 Building $88,730
2024	$401.00 (+1.26%) Homeowner's exemption Widower's exemption	$59,626 (+3%)	$105,181 (+3.73%) Land $24,898 Building $80,283
2023	$396.00 (-15.38%) Homeowner's exemption Widower's exemption	$57,889 (+3%)	$101,402 (+11.62%) Land $21,067 Building $80,335
2022	$468.00 Homeowner's exemption Widower's exemption	$56,203	$90,844 Land $20,064 Building $70,780

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1295 Saddle Ln in Zone X, an area of moderate flood risk, though there have been 3 flood claims nearby since 2005.

Source: FEMA National Flood Hazard Layer, effective February 5, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	3 (2005)
Most Recent Claim	Oct 2005 · Hurricane Wilma
Claims by Event	Hurricane Wilma, Oct 2005 · 3 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 1295 Saddle Ln is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MOORE HAVEN WTP serves 3,735 people · EPA ID FL5220192
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 91 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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