Saratoga Bay
Homes for Sale in West Palm Beach, FL
All 1,782 homes for sale in West Palm Beach, FL · median $324,900 · Palm Beach County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of Barry L Salandro, Village Realty Group LLC · via Beaches MLS
As of October 2026, Saratoga Bay in West Palm Beach, FL has 5 homes for sale. Homes listed or recently sold were built 1987–1987; 11 of 11 report an HOA (median $517/mo); none of the 11 geocoded homes sit in a FEMA special flood hazard zone (median elevation 16 ft).
Homes For Sale Right Now in Saratoga Bay
Live MLS inventory for Saratoga Bay. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active · 122 daysTop listing
Active · 112 days
Active · 213 days
Pending · 91 daysActive and pending Saratoga Bay listings as of 2026-10-15, priced high to low. All listings featuring the BMLS logo are provided by BeachesMLS, Inc. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright © 2026 BeachesMLS, Inc. Tap any home to ask about it.
Saratoga Bay is a single-era community — every home traces back to 1987 — so what separates one listing from the next is condition and how well the original layout has been updated, not vintage. With a median living area around 2,271 square feet, these are mid-size homes that read as move-up product rather than starter or estate-scale.
Ten months of supply against just five active listings puts this squarely in buyer-leaning territory, but the small pool of listings means that number can swing fast on a single new listing or sale. For sellers, that thin inventory is actually an advantage if the home shows well; for buyers, it means less competition per listing but also fewer options to compare against on any given week.
Saratoga Bay right now
🟢 Buyer-leaning market. 10.0 months of supply and 17% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Beaches MLS records, as of July 15, 2026. Confidence: Medium (6 active and pending listings, 0 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 16, 2026 · Live data: Beaches MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
A gated, amenity-heavy enclave of 124 homes built in a single year, Saratoga Bay pairs a golf course and a long list of recreational features with a small, slow-turning resale market.
Flood zones in Saratoga Bay: of 10 listing addresses checked against the FEMA National Flood Hazard Layer, 100% sit outside the FEMA Special Flood Hazard Area (Zone X). Individual parcels vary - verify any specific address at msc.fema.gov. See flood zones by neighborhood in West Palm Beach.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
The setting & the homes.
Aerial and on-site photos of Saratoga Bay. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Saratoga BayPhotos from Beaches MLS listings in Saratoga Bay; content deemed reliable but not guaranteed.
Who Saratoga Bay is best for.
Best for
- Buyers prioritizing amenities — golf, courts, trails, dog park — over new construction
- Move-up buyers comfortable with a single, established build era and are willing to evaluate renovation history closely
- Buyers who don't mind a slower, smaller resale market in exchange for a settled, gated setting
Probably not for
- Buyers who want new or recently built construction
- Buyers who need a large pool of active listings to compare before deciding
- Buyers unwilling to budget for updates on a home dating to 1987
The market around Saratoga Bay
Saratoga Bay is too small for its own price trend, so here is the market around it.
Across Palm Beach County, 1,171 homes are active and 476 pending (29% under contract).
ZIP and county figures describe the wider market, not Saratoga Bay specifically. Momentum Research analysis of MLS records.
Saratoga Bay on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Beaches MLS. Map data © OpenStreetMap contributors.
Life at Saratoga Bay
- Gated - No Guard · reported on 10 of 12 listings
- Pool · reported on 9 of 12 listings
- Tennis Court(s) · reported on 9 of 12 listings
- Jogging Path · reported on 7 of 12 listings
- Picnic Area · reported on 7 of 12 listings
- Dog Park · reported on 6 of 12 listings
- Pickleball Court(s) · reported on 6 of 12 listings
- Playground · reported on 5 of 12 listings
- Trail(s) · reported on 5 of 12 listings
- Park · reported on 2 of 12 listings
- Security Guard · reported on 2 of 12 listings
- Entry - Phone/Intercom · reported on 1 of 12 listings
Community amenities as reported across Beaches MLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
Schools
- Palm Beach County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Seminole Trails · Elementary
- Bear Lakes · Middle
- Palm Beach Lakes · High
Zoned schools reflect the assignments reported on recent Saratoga Bay listings and can change; always confirm with Palm Beach County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Saratoga Bay address.
Shop the zone: Homes zoned for Palm Beach Lakes High School · Homes zoned for Northeast High School
Recent Developments in Saratoga Bay
Development, infrastructure, retail, and school activity affecting Saratoga Bay, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.
- September 2026Development
Palm Beach County approves $26M deal for 400-room second convention center hotel
Palm Beach County commissioners voted 6-1 to approve a $26 million deal with Related Ross for a 400-room hotel on land adjacent to the county convention center in downtown West Palm Beach. The county would buy the property and lease it back to the developer, and officials estimate about 650 permanent jobs, including roughly 255 hotel jobs. Construction could finish within three years.
What it may mean for the marketAdds hotel capacity and several hundred permanent jobs next to the downtown convention district, supporting nearby dining and retail demand. The site is about 3 miles southeast of Saratoga Bay.
Source: WPTV - September 2026Infrastructure
Palm Beach County approves one-year moratorium on large data centers in unincorporated areas
County commissioners unanimously approved the pause on September 24 after a first reading on August 27. It covers new applications for facilities expected to draw 50 megawatts or more at peak demand, with related parcels counted together. The pause lasts one year or until permanent rules are adopted.
What it may mean for the marketPauses large power-intensive facilities in unincorporated areas while permanent rules are written, which affects industrial land use and grid demand planning. The site is about 3 miles southeast of Saratoga Bay.
Source: Find Cheap Broadband - August 2026Development
Plans filed for 25-story, 194-residence tower at 464 Fern Street in downtown West Palm Beach
Related Ross filed plans for a roughly 316-foot, 25-story building with 194 residences, 4,343 square feet of commercial space and 486 parking spaces at 464 Fern Street. The developer bought the 2.64-acre site for $55 million in May. The project remains in municipal review with no construction dates announced.
What it may mean for the marketProposed downtown residential supply that would add housing inventory within walking distance of the city's core. The site is about 3 miles southeast of Saratoga Bay.
Source: Florida YIMBY - August 2026Builder Activity
Banyan Tree Residences wins unanimous Downtown Action Committee approval in West Palm Beach
The West Palm Beach Downtown Action Committee unanimously approved a 25-story, 88-condominium project at 400 Hibiscus Street on August 12. Mast Capital and Curated JCZM Development are partnering with Banyan Group. No construction start or completion dates were given.
What it may mean for the marketAdds a small amount of for-sale condominium inventory at the southern edge of downtown West Palm Beach. The site is about 4 miles southeast of Saratoga Bay.
Source: Florida YIMBY - August 2026Development
Construction progresses on 10 and 15 CityPlace office towers in downtown West Palm Beach
Related Ross is building two office towers in the CityPlace district totaling nearly one million square feet, including the 25-story 15 CityPlace. Both towers are scheduled for completion in 2027.
What it may mean for the marketRoughly one million square feet of new downtown office space expands the local employment base and daytime demand for nearby dining and retail. The site is about 3 miles southeast of Saratoga Bay.
Source: Florida YIMBY - July 2026Market
Palm Beach County Total Home Sales Jump for 10th Consecutive Month
Palm Beach County total home sales rose 22.3% year-over-year in June 2026 to 2,456 transactions, with total dollar volume up 53.90% to $2.7 billion. The single-family median sale price increased to $700,000 and the condominium median rose to $325,000.
What it may mean for the marketRising sales volume and median prices signal strengthening demand and higher valuations across the Palm Beach County housing market. The site is about 3 miles southeast of Saratoga Bay.
Source: MIAMI REALTORS
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
The Saratoga Bay buying strategy.
If we were buying in Saratoga Bay today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Saratoga Bay.
One build year, one gate, a long amenity list
Because the entire community was built in 1987, there's no era-to-era price gap to sort through — the variable buyers actually face is how much a given home has been renovated since. At a median of 2,271 square feet, most floor plans land in a comfortable middle ground: enough room to spread out without carrying an oversized footprint through insurance and maintenance costs.
The amenity list is substantial for a community this size: a golf course, pool, tennis and pickleball courts, a dog park, playground, jogging path, trails, picnic area, and a gated entry with phone/intercom access and on-site security guard presence. That combination is closer to what you'd expect from a larger master-planned development, which is worth weighing against the modest scale of 124 total homes and a currently thin five-listing active market. With majority of homes carrying a homestead exemption, turnover here tends to be more occasional than constant, reinforcing why active inventory stays low even in a buyer-leaning stretch.
The location and the amenities are priced into every listing in Saratoga Bay. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community with only a handful of active listings at any given time, timing and access matter more than usual — we track new listings and off-market activity in Saratoga Bay closely so buyers aren't working from a stale list, and we help sellers price against real, current absorption rather than guesswork.
Saratoga Bay in 15 seconds.
What it really costs to own in Saratoga Bay
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| Property tax | Current owners' bills run a median of $6,339/yr across 11 listings here (MLS tax records, 2026-10-16). |
|---|---|
| HOA dues | Median $517/month across 194 MLS listings (most billed monthly; 2026-10-15). Dues cover what the documents say they cover; ask for the budget and reserve study. |
| Home and flood insurance | The average Citizens Property Insurance premium in Palm Beach County is $1,753/yr (18,387 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. Flood: of 10 listing addresses checked against the FEMA flood map, 100% sit outside the high-risk zone. Statewide, a Zone X flood policy runs about $500-$700/yr and a high-risk zone $1,200-$2,500/yr (FEMA Risk Rating 2.0 averages, not quotes). |
| Roof and age | Median build year 1987 across 11 listings. An original roof here would be about 39 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report, and for replacement where it fails. |
Estimated carrying cost at the median asking price, before the mortgage: about $1,191/month (tax $528, HOA $517, insurance $146). An estimate from the sources above, not a quote.
Email me new listings in Saratoga Bay
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Saratoga Bay
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Saratoga Bay will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- HOA dues reported around $517/month (about $6,204/yr) · median of 194 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $517 per month ($6,204 a year) — the median AssociationFee across 194 MLS records, normalised to a monthly figure; most are billed monthly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-10.
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Flood & Insurance Context
Of 10 sampled listing addresses in this community: 100% outside the FEMA Special Flood Hazard Area (Zone X/B/C).
Address-sampled; individual parcels vary - verify any specific address at msc.fema.gov. Check any address at FEMA's Flood Map Service Center, and see average home-insurance costs by Florida county.
Source: FEMA National Flood Hazard Layer, address-level lookups (n=10) · as of 2026-10
Tools for a Saratoga Bay buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Saratoga Bay sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Saratoga Bay, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Saratoga Bay home worth?
Get a no-obligation home value based on real comparable sales in Saratoga Bay, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in West Palm Beach →
Recently off market in Saratoga Bay
Homes in Saratoga Bay that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 7 on record.
- 2285 Saratoga Lane · off market
- 2294 Saratoga Bay Drive · off market
- 2306 Bear Pt. · off market
- 2347 Saratoga Bay Drive · off market
- 2368 Saratoga Bay Drive · off market
- 2386 Saratoga Bay Drive · off market
- 2398 Saratoga Bay Drive · off market
| Location | West Palm Beach, Palm Beach County, FL |
|---|---|
| Homes in the community | 124 (FL DOR 2025 assessment roll) |
| Years built | 1987–1987 (median 1987) |
| Typical living area | 2,271 sq ft (median) |
| Home types (current listings and sales) | single-family 100% |
| Amenities listed by sellers | Gated - No Guard, Pool, Tennis Court(s), Dog Park, Jogging Path, Pickleball Court(s) |
| For sale right now | 5 active, 1 pending · median asking $735,000 · 10.0 months of supply |
| Owner-occupied (homestead) share | 73% |
Data as of July 15, 2026. All listings featuring the BMLS logo are provided by BeachesMLS, Inc. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright © 2026 BeachesMLS, Inc; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Saratoga Bay key facts,” movewithmomentum.com/neighborhoods/saratoga-bay-west-palm-beach, data as of July 15, 2026.
Housing distress & ownership in Saratoga Bay, West Palm Beach
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. All listings featuring the BMLS logo are provided by BeachesMLS, Inc. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright © 2026 BeachesMLS, Inc. Deemed reliable but not guaranteed.
Just listed in Saratoga Bay
The newest homes for sale in Saratoga Bay right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 2354 Saratoga Bay Drive $829,500 · 3 bd · 2 ba · 2,271 sq ft · 124 days on market Courtesy of Village Realty Group
- 2370 Saratoga Bay Drive $690,000 · 3 bd · 2 ba · 2,271 sq ft · 215 days on market Courtesy of REDFIN CORPORATION
Checked against the MLS Oct 16, 2026. All new listings in this market.
Every Home for Sale in Saratoga Bay West Palm Beach Right Now (3)
All 3 active and pending Saratoga Bay West Palm Beach listings with a detail page, newest first, refreshed twice a day from the MLS.
- 2354 Saratoga Bay Drive · $829,500 · 3 bd / 2 ba · listed Jul 16, 2026 · listed by Village Realty Group
- 2370 Saratoga Bay Drive · $690,000 · 3 bd / 2 ba · listed Jul 16, 2026 · listed by Redfin Corporation
- 2319 Saratoga Bay Drive · $599,900 · 3 bd / 2 ba · pending · listed Jul 16, 2026 · listed by RE/MAX Direct
Recently sold in Saratoga Bay West Palm Beach
- 2347 Saratoga Bay Drive · sold $500,000
- 2294 Saratoga Bay Drive · sold $817,500
- 2398 Saratoga Bay Drive · sold $305,000
- 2386 Saratoga Bay Drive · sold $680,000
- 2285 Saratoga Lane · sold $644,000
- 2368 Saratoga Bay Drive · sold $685,000
- 2306 Bear Pt. · sold $685,000
Closed sales from the MLS; each page shows the sold price, taxes and value history.
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Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Saratoga Bay Drive (49 homes on record)
- Saratoga Bay Drive (13 homes on record)
20% of homes for sale in ZIP 33409 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-10-17).
Saratoga Bay Market Scorecard
Saratoga Bay is currently a buyer-leaning market (limited data). About 5.1 months of supply, a median asking price of $759,000, and homes go under contract in about 124 days.
Typical home value in the 33409 ZIP is $301,554, about 6.6% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: BeachesMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Frequently Asked Questions
Is Saratoga Bay a buyer's or seller's market right now?
How many homes are in Saratoga Bay?
What share of Saratoga Bay is owner-occupied?
When were the homes in Saratoga Bay built?
Who is the best real estate agent for Saratoga Bay?
How do I find a top West Palm Beach real estate agent who knows Saratoga Bay?
Can Momentum Realty connect me with an agent for Saratoga Bay?
Where is Saratoga Bay, and what county is it in?
Is Saratoga Bay in a flood zone?
Should you buy in Saratoga Bay?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Beaches MLS, refreshed twice daily (last: October 15, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (community parcel extract) |
| Under-contract shares | Beaches MLS records, as of 2026-07-12 |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Beaches MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
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