S
Seller's Agent in 2025
Scott Leiti
Serhant-Naples
(239) 300-4880
2 in this area
17 Total Sales
415 Saddlebrook Ln Naples, FL 34110
Palm River Estates NeighborhoodEstimated Value: $1,043,000 - $1,265,928
4
Beds
3.5
Baths
2,878
Sq Ft
$385/Sq Ft
Est. Value
Highlights
- Concrete Pool
- Home fronts a creek
- Screened Porch
- Veterans Memorial Elementary School Rated A
- Canal View
- Den
About This Home
As of December 2025Horse Creek Estates! One of North Naples’ most sought-after private locations, just 3 miles from Naples beaches, shopping, hospital, restaurants, convenient to I-75. The expansive rear view of water/creek and wooded area from your screened private pool/spa. This home has unbelievable potential to make it your own. This home offers 4 bedrooms plus den, 3 full bathrooms and powder room. Its open spacious floor plan is perfect for those who love to entertain. Kitchen is a chef's delight, open and very work friendly to spoil your family and friends with your cooking. Kitchen also has a large walk-in pantry, granite countertops. New roof in 2018. Windows are impact resistant and energy efficient. Large Pool area is a prefect private entertaining area or just relaxing with a good book.... Overlooking the water/creek to a wooded area and Imperial Golf Course. Horse Creek Estates located near LaPlaya Beach and Golf Club offers exclusive membership opportunities, and Veterans Community Park features a dog park, tennis and pickleball courts, basketball courts, softball/baseball fields, bocce courts, and a roller hockey rink. This is the perfect opportunity to make this home your own with endless possibilities.
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $4,529
Year Built
- Built in 2007
Lot Details
- 15,682 Sq Ft Lot
- 94 Ft Wide Lot
- Home fronts a creek
- Oversized Lot
HOA Fees
- $440 Monthly HOA Fees
Parking
- 3 Car Attached Garage
- Driveway
Home Design
- Concrete Block With Brick
- Concrete Foundation
- Stucco
- Tile
Interior Spaces
- Property has 1 Level
- Wet Bar
- Bar
- Tray Ceiling
- Ceiling Fan
- Entrance Foyer
- Family Room
- Breakfast Room
- Formal Dining Room
- Den
- Screened Porch
- Canal Views
- Fire and Smoke Detector
Kitchen
- Breakfast Bar
- Walk-In Pantry
- Self-Cleaning Oven
- Electric Cooktop
- Microwave
- Ice Maker
- Dishwasher
- Disposal
Flooring
- Carpet
- Tile
Bedrooms and Bathrooms
- 4 Bedrooms
- Split Bedroom Floorplan
- Walk-In Closet
- In-Law or Guest Suite
Laundry
- Laundry in unit
- Dryer
- Washer
Pool
- Concrete Pool
- In Ground Pool
- In Ground Spa
- Screened Spa
- Screen Enclosure
Outdoor Features
- Patio
Schools
- Veterans Memorial Elementary School
- North Naples Middle School
- Gulf Coast High School
Utilities
- Central Heating and Cooling System
- Underground Utilities
- Internet Available
- Cable TV Available
Listing and Financial Details
- Assessor Parcel Number 50940009784
Community Details
Overview
- Horse Creek Estates Subdivision
- Mandatory home owners association
Recreation
- Bike Trail
Ownership History
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Jul 16, 2025
Closed on
Dec 5, 2025
Sold by
Cullen Susan E
Bought by
Szczepaniak Paul and Szczepaniak Alexandra Kay
Seller's Agent
Scott Leiti
Serhant-Naples
Buyer's Agent
Sean Lorch
Downing Frye Realty Inc.
List Price
$1,295,000
Sold Price
$1,040,000
Premium/Discount to List
-$255,000
-19.69%
Views
65
Current Estimated Value
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$79,813
Avg. Annual Appreciation
13.90%
Original Mortgage
$832,000
Outstanding Balance
$830,044
Interest Rate
5.13%
Mortgage Type
New Conventional
Estimated Equity
$278,438
Purchase Details
Closed on
Jul 14, 2023
Sold by
Cullen John Joseph
Bought by
Cullen Susan E
Purchase Details
Listed on
Oct 31, 2013
Closed on
Apr 22, 2014
Sold by
Sze Man Kit
Bought by
Cullen Susan E and Cullen John Joseph
Seller's Agent
Michelle Reith
Naples Trust Real Estate Servi
Buyer's Agent
Susan Cullen
Vanderbilt Properties
List Price
$649,000
Sold Price
$590,000
Premium/Discount to List
-$59,000
-9.09%
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
5.34%
Original Mortgage
$531,000
Interest Rate
4.43%
Mortgage Type
New Conventional
Purchase Details
Closed on
Mar 3, 2005
Sold by
Horse Creek Partners Ltd
Bought by
Sze Man Kit and Sze Jane H
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$656,000
Interest Rate
5%
Mortgage Type
Construction
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Home Values in the Area
Average Home Value in this Area
Purchase History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Buyer | Sale Price | Title Company |
|---|---|---|---|
| Szczepaniak Paul | $1,040,000 | Ross Title | |
| Cullen Susan E | -- | None Listed On Document | |
| Cullen Susan E | $590,000 | Ross Title & Escrow Inc | |
| Sze Man Kit | $225,000 | -- |
Source: Public Records
Mortgage History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Status | Borrower | Loan Amount |
|---|---|---|---|
| Open | Szczepaniak Paul | $832,000 | |
| Previous Owner | Cullen Susan E | $531,000 | |
| Previous Owner | Sze Man Kit | $656,000 |
Source: Public Records
Property History
| Date | Event | Price | List to Sale | Price per Sq Ft | Prior Sale |
|---|---|---|---|---|---|
| 12/05/2025 12/05/25 | Sold | $1,040,000 | -11.0% | $361 / Sq Ft | |
| 11/16/2025 11/16/25 | Pending | -- | -- | -- | |
| 09/13/2025 09/13/25 | Price Changed | $1,169,000 | +0.9% | $406 / Sq Ft | |
| 09/03/2025 09/03/25 | Price Changed | $1,159,000 | -0.5% | $403 / Sq Ft | |
| 08/15/2025 08/15/25 | Price Changed | $1,165,000 | -2.5% | $405 / Sq Ft | |
| 08/03/2025 08/03/25 | Price Changed | $1,195,000 | -7.7% | $415 / Sq Ft | |
| 07/16/2025 07/16/25 | For Sale | $1,295,000 | +119.5% | $450 / Sq Ft | |
| 04/24/2014 04/24/14 | Sold | $590,000 | -9.1% | $205 / Sq Ft | View Prior Sale |
| 03/20/2014 03/20/14 | Pending | -- | -- | -- | |
| 10/31/2013 10/31/13 | For Sale | $649,000 | -- | $226 / Sq Ft |
Source: Naples Area Board of REALTORS®
Tax History
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2025 | $4,529 | $472,786 | -- | -- |
| 2024 | $4,481 | $459,462 | -- | -- |
| 2023 | $4,481 | $446,080 | $0 | $0 |
| 2022 | $4,395 | $433,087 | $0 | $0 |
| 2021 | $4,442 | $420,473 | $0 | $0 |
| 2020 | $4,339 | $414,668 | $0 | $0 |
| 2019 | $4,267 | $405,345 | $0 | $0 |
| 2018 | $4,174 | $397,787 | $0 | $0 |
| 2017 | $4,113 | $389,605 | $0 | $0 |
| 2016 | $4,011 | $381,592 | $0 | $0 |
| 2015 | $4,046 | $378,939 | $0 | $0 |
| 2014 | $5,405 | $445,193 | $0 | $0 |
Source: Public Records
Agents Affiliated with this Home
-
Scott Leiti
-
Sean Lorch
Buyer's Agent in 2025
Sean Lorch
Downing Frye Realty Inc.
(239) 298-6760
1 in this area
68 Total Sales
-
Allison Callas
Buyer Co-Listing Agent in 2025
Allison Callas
Downing Frye Realty Inc.
(239) 595-5116
1 in this area
38 Total Sales
-
Michelle Reith
Seller's Agent in 2014
Michelle Reith
Naples Trust Real Estate Servi
(973) 715-3902
9 Total Sales
-
S
Buyer's Agent in 2014
Susan Cullen
Vanderbilt Properties
Map
Source: Naples Area Board of REALTORS®
MLS Number: 225043685
APN: 50940009784
Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.
The source of this real property information is the copyrighted and proprietary database compilation of the M.L.S. of Naples, Inc. Copyright 2026 M.L.S. of Naples, Inc. All rights reserved. The accuracy of this information is not warranted or guaranteed. This information should be independently verified if any person intends to engage in a transaction in reliance upon it.
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