Here's my 2c: Lots there are, what, $58k-$75k with $300/month HOA fee & minimum 2,350 sq foot housing requirement. That's really not bad.
These were things we considered when looking at Saddle Creek: that drive down Wellborn, trains bothered me during the night and could screw up my sleeping (I don't need any help with that), grocery store and other major shopping are a little bit of a distance (especially since you don't have an interstate/hwy closeby to pop on and off of), and the property I wanted was on the water but was unavailable. My hubby has a co-worker that lives there and says he wants to pull his hair out with the cell phone signal he gets out there (essentially, dropped calls, etc), and he has mentioned trying to get the right internet company out there.
All in all though, it's a a pretty neighborhood. Lot shopping is fun! We just finished building a few months ago, and I kind of miss the excitement of driving around town and stomping dirt. lol Have fun with the "shopping", and best of luck!