Saga Bay Townhomes
Homes for Sale in Cutler Bay, FL
True comps, carrying-cost math, and listings before the portals.
Photo via MIAMI MLS
As of September 2026, Saga Bay Townhomes in Cutler Bay, FL has 6 homes for sale and 2 pending, asking from $377,900 to $430,000 (median $404,500). Homes listed or recently sold were built 1987–1995; 8 of 8 report an HOA (median $70/mo).
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Miami-Dade County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Miami-Dade County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
19% of homes for sale in ZIP 33189 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 (2026-09-12).
SAGA BAY TOWNHOMES Market Scorecard
SAGA BAY TOWNHOMES is currently a thin data market. Limited supply, a median asking price of $404,500, and homes go under contract in about 94 days.
Typical home value in the 33189 ZIP is $554,285, about 67.1% above the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Homes For Sale Right Now in Saga Bay Townhomes
Live MLS inventory for Saga Bay Townhomes. 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 and pending Saga Bay Townhomes listings as of 2026-09-12, priced high to low. Based on information from the Southeast Florida Multiple Listing Service (SEFMLS) or from MIAMI Association of REALTORS(R) for the period 2013 through 2026. Tap any home to ask about it.
The current read on Saga Bay Townhomes starts with a small data set: four closings in the window behind this snapshot. That is enough to establish a directional price but not enough to treat the median as a precise ceiling or floor. At $412,500 with a median price per square foot of $268.16, pricing here is condition and unit-size driven rather than amenity driven — there is no community amenity package identified in current MLS listings, so value is coming from the structure itself, not shared recreation space.
A median days-on-market of just over 55 days and a market heat score of 19 point to a slower-moving, buyer-leaning posture right now. Combined with a year-over-year price change of -4.6%, this reads as a market where sellers need to price accurately from day one rather than testing the top of the range, and where buyers have some room to negotiate on terms or closing costs rather than needing to move on the first showing.
The 60-Second Overview
Saga Bay Townhomes is a townhome community in Miami-Dade County where pricing is being set unit by unit rather than by shared amenities, since no community amenities are currently identified in MLS listings for the area.
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 Saga Bay Townhomes. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Saga Bay Townhomes
Saga Bay Townhomes
Saga Bay Townhomes
Saga Bay Townhomes
Saga Bay Townhomes
Saga Bay Townhomes
Saga Bay Townhomes
Saga Bay TownhomesPhotos from MIAMI MLS listings in Saga Bay Townhomes; content deemed reliable but not guaranteed.
Who Saga Bay Townhomes is best for.
Best for
- Buyers focused on the unit itself — layout, condition, square footage — rather than shared amenities.
- Buyers comfortable with a longer sale cycle who want negotiating leverage on price or closing terms.
- Sellers who can price precisely to current comparables and are not expecting a fast, multiple-offer sale.
Probably not for
- Buyers who want an established amenity package as part of what they are paying for.
- Sellers expecting the tight timeline and firm pricing that comes with a hotter market.
- Anyone relying on the community median alone to set a firm number without checking the specific comparable units.
The market around Saga Bay Townhomes
Saga Bay Townhomes is too small for its own price trend, so here is the market around it.
In ZIP 33189, 106 homes are on the market and 22% are under contract — a steady corner of Cutler Bay.
Across Miami-Dade County, 15,109 homes are active and 3,290 pending (18% under contract).
ZIP and county figures describe the wider market, not Saga Bay Townhomes specifically. Momentum Research analysis of MLS records.
The Saga Bay Townhomes buying strategy.
If we were buying in Saga Bay Townhomes 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.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
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 Saga Bay Townhomes.
A small sample, a soft market
With only four closings feeding this snapshot, Saga Bay Townhomes is not a high-volume market segment right now, and that matters for how you use the numbers. The median price of $412,500 and median price per square foot of $268.16 are useful directional markers, but a single unusually updated or unusually dated unit can move them more than it would in a deeper market. Anyone pricing a listing or evaluating an offer here should look hard at the comparable unit itself, not just the community-wide median.
The year-over-year figure of -4.6% combined with a market heat score of 19 suggests demand has cooled from where it was, and a median 55.5 days on market backs that up — homes are sitting longer than in a fast-moving segment. That is not a red flag on its own; it is a signal that sellers should expect more negotiation and buyers should expect more room to ask for it, particularly on units that need work, since price per square foot spread is likely doing more of the talking than any shared amenity would.
The location and the amenities are priced into every listing in Saga Bay Townhomes. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a segment with only a handful of recent closings, pricing strategy depends on reading the specific comparables correctly rather than leaning on a broad community average. We track unit-level detail, days-on-market patterns, and the current negotiation posture so a listing gets priced to move and an offer gets structured to hold up in a market that is currently favoring buyers on time and terms.
Saga Bay Townhomes in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Saga Bay Townhomes 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 Saga Bay Townhomes sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Saga Bay Townhomes, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Saga Bay Townhomes home worth?
Get a no-obligation home value based on real comparable sales in Saga Bay Townhomes, 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 homes for sale in Saga Bay Townhomes on the map →
Should you buy in Saga Bay Townhomes?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Saga Bay Townhomes with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | MIAMI MLS, refreshed twice daily (last: September 12, 2026) |
| Under-contract shares | MIAMI MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2013 (52 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of MIAMI 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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The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the MIAMI MLS member average and 8 days faster, and we’ll price yours against live local comps.
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