Saratoga Harbor
Homes for Sale in Satsuma, FL
All 62 homes for sale in Satsuma, FL · median $237,450 · 77 homes for sale in 32189 · Putnam County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST · via realMLS
As of October 2026, Saratoga Harbor in Satsuma, FL has 4 homes for sale, asking from $389,900 to $1,250,000 (median $1,149,250). Homes listed or recently sold were built 1974–2008; 1 of the 6 geocoded homes sit in a FEMA special flood hazard zone (median elevation 16 ft).
Last 30 days in Saratoga Harbor: 2 new listings (median asking $819,950). As of October 24, 2026, realMLS.
Homes For Sale Right Now in Saratoga Harbor
Live MLS inventory for Saratoga Harbor. 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 Saratoga Harbor listings as of 2026-10-21, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.
Saratoga Harbor is a small Satsuma community of 111 homes, and right now there are only 3 active listings. With 18 months of supply against that count, the thin number of listings isn't a sign of a hot, fast-moving market — it points to a market where sales pace is genuinely slow relative to what's for sale. Just 2 closings have gone through in the trailing window, so pricing conversations here have to lean on a small set of comparable sales rather than a broad trend line.
What actually sets the price conversation is age and condition, not a uniform amenity package. Homes span from 1966 to 2024, with a median build year of 1990 and a median living area of 1,659 square feet, so a buyer could be comparing a decades-older home against near-new construction inside the same community. With homestead exemptions filed on 26.3% of homes, expect a real mix of owner-occupied and non-homestead ownership, which usually means more variability in how individual homes have been maintained and updated.
Figures in this note are as of July 15, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Saratoga Harbor right now
🟢 Buyer-leaning market. 18.0 months of supply and 0% 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 realMLS records, as of October 23, 2026. Confidence: Low (3 active and pending listings, 2 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 24, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Saratoga Harbor is a small, 111-home community in Satsuma (Putnam County) with a build history stretching from 1966 to 2024, giving it a wider spread of home ages and finishes than you'd find in a single-phase subdivision. Reported community amenities include a pool and fishing access, though buyers should confirm current terms directly with the HOA.
realMLS (Northeast Florida) sales records identify 37 homes in Saratoga Harbor that have changed hands since 2001, built between 1968 and 2008 (median 1989), with a median living area of about 1,499 sq ft and a typical 3-bedroom, 2-bath layout; 89% are single-family homes. Source: realMLS (Northeast Florida) closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
County records show 4 qualified sales in Saratoga Harbor across 2024–2025 (3 in 2024, 1 in 2025), median $697,800 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
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 Harbor. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Saratoga HarborPhotos from realMLS listings in Saratoga Harbor; content deemed reliable but not guaranteed.
Who Saratoga Harbor is best for.
Best for
- Buyers looking for a smaller, established community (111 homes total) rather than a large master-planned subdivision.
- Buyers who want pool and fishing access as part of the community package, confirmed directly with the HOA.
- Buyers comfortable doing individual home diligence given the 1966-to-2024 range of build years.
Probably not for
- Buyers who want to compare multiple similar listings side by side — only 3 homes are active right now.
- Buyers on a tight timeline who need pricing confidence from a deep set of recent comparable sales; only 2 closings have gone through in the trailing window.
- Buyers who want a home built to a single, consistent era and finish level throughout the community.
The market around Saratoga Harbor
Saratoga Harbor is too small for its own price trend, so here is the market around it.
In ZIP 32189, 98 homes are on the market and 18% are under contract — a steady corner of Satsuma.
Across Putnam County, 839 homes are active and 155 pending (16% under contract).
In ZIP 32189 (Satsuma), 57 homes closed in the last 12 months at a median of $191K ($155/sq ft), up 7.4% year over year, with a median 68 days on market. Right now 16 active and 3 pending listings put supply at about 5.8 months — a buyer's market. See the live ZIP 32189 housing market and the Putnam County market.
ZIP and county figures describe the wider market, not Saratoga Harbor specifically. Momentum Research analysis of MLS records.
Saratoga Harbor on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from realMLS. Map data © OpenStreetMap contributors.
Life at Saratoga Harbor
- Pool · reported on 1 of 3 listings
- Fishing · reported on 1 of 3 listings
Community amenities as reported across realMLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
How far is everything?
Everyday stops around Saratoga Harbor are close: the nearest dining is about 2 minutes away.
- Mema's Family Restaurant · Dining2 min
- Gem City Coffee · Coffee2 min
- Murphy Creek Conservation Area · Parks3 min
- Funky Gator Flea Market · Groceries6 min
- Palatka Marketplace · Shopping25 min
- Community Hospice & Palliative Care · Health25 min
Approximate drive times via Mapbox Search + Directions, 2026-07-03. Verify for a specific address.
Nearby Communities
Explore more neighborhoods near Saratoga Harbor with Momentum Realty’s local guides.
Schools
- Putnam County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Middleton-Burney Elementary SchoolFLDOE grade C · Public PreK-5 (Putnam, Crescent City)
- Crescent City Junior-Senior High School · Public 7-12 (Putnam)
- Robert H. Jenkins Jr. Elementary SchoolFLDOE grade B · Public PreK-5 (alt feeder, Putnam)
Grades are official Florida Department of Education school grades for 2025-26. Assignments are reported as of the 2025-26 year and can change; always confirm with Putnam County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Saratoga Harbor address.
The Saratoga Harbor buying strategy.
If we were buying in Saratoga Harbor 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 Harbor.
Thin Inventory, Wide Age Spread
The numbers here describe a buyer-leaning market shaped as much by scarcity of activity as by scarcity of listings. Only 3 homes are active community-wide, and just 2 closings have recorded in the trailing window — a pace slow enough that 18 months of supply results from the math even without a flood of inventory. For a community of 111 homes total, that means the active and recently-sold sample at any given time is small, and buyers or sellers should treat any single comparable with caution rather than assuming it represents the broader community.
The age range adds another layer of diligence. With homes built anywhere from 1966 to 2024 and a median build year of 1990, condition, systems age, and finish level can vary widely from one listing to the next even at a similar median living area of 1,659 square feet. A homestead share of 26.3% suggests a meaningful portion of homes here are not owner-occupied primary residences, which is worth factoring into how a given home has been maintained and how motivated a given seller might be.
The location and the amenities are priced into every listing in Saratoga Harbor. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
With only 3 active listings and 2 closings in the trailing window, there is not enough public data in Saratoga Harbor to price a home off a spreadsheet — it takes someone who will physically compare individual homes across a 1966-to-2024 build range, verify what the pool and fishing amenities actually include with the HOA directly, and read the homestead mix in the tax roll before writing an offer or setting a list price. That is the kind of on-the-ground work a thin-data community like this requires.
Saratoga Harbor in 15 seconds.
Tools for a Saratoga Harbor 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 Harbor sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Saratoga Harbor, 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 Harbor home worth?
Get a no-obligation home value based on real comparable sales in Saratoga Harbor, 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 Satsuma →
Recently off market in Saratoga Harbor
Homes in Saratoga Harbor 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. 1 on record.
- 325 Saratoga Drive · off market
| Location | Satsuma, Putnam County, FL · ZIP 32189 |
|---|---|
| Homes in the community | 80 (FL DOR 2025 assessment roll) |
| Years built | 1966–2024 (median 1990.5) |
| Typical living area | 2,004 sq ft (median) |
| Home types (current listings and sales) | single-family 83%, mobile homes 17% |
| Amenities listed by sellers | Boat Slip, Carbon Monoxide Detector(s), Clubhouse, Fishing |
| For sale right now | 3 active, 0 pending · median asking $1,249,000 · 18.0 months of supply |
| Owner-occupied (homestead) share | 28% |
| Zoned public schools | Middleton-Burney Elementary School (C, FLDOE 2025-26); Crescent City Junior-Senior High School; Robert H. Jenkins Jr. Elementary School (B, FLDOE 2025-26) |
Data as of October 23, 2026. Data provided by realMLS; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Saratoga Harbor key facts,” movewithmomentum.com/neighborhoods/saratoga-harbor-satsuma, data as of October 23, 2026.
Housing distress & ownership in Saratoga Harbor, Satsuma
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. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
Just listed in Saratoga Harbor
The newest homes for sale in Saratoga Harbor right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 108 Ingraham Drive $389,900 · 3 bd · 2 ba · 1,232 sq ft · listed Oct 21, 2026 Courtesy of COLDWELL BANKER BEN BATES INC
- 301 Saratoga Drive $1,250,000 · 4.5 ba · 2,629 sq ft · listed Oct 14, 2026 Courtesy of CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST
- 129 River Road $1,249,000 · 4 bd · 2.5 ba · 1,864 sq ft · listed Aug 27, 2026 Courtesy of THE FIELDS GROUP REALTY
- 127 River Road $1,049,500 · 3 bd · 2 ba · 2,191 sq ft · listed May 2, 2026 Courtesy of INI REALTY
Checked against the MLS nightly. All new listings in this market.
Every Home for Sale in Saratoga Harbor Satsuma Right Now (3)
All 3 active and pending Saratoga Harbor Satsuma listings with a detail page, newest first, refreshed twice a day from the MLS.
- 301 Saratoga Drive · $1,250,000 · 4.5 ba · listed by Christie'S International Real Estate First Coast
- 129 River Road · $1,249,000 · 4 bd / 2.5 ba · listed Aug 28, 2026 · listed by The Fields Group Realty
- 127 River Road · $1,049,500 · 3 bd / 2 ba · listed Aug 7, 2026 · listed by Ini Realty
Recently sold in Saratoga Harbor Satsuma
- 325 Saratoga Drive · sold $600,000
- 215 Saratoga Drive · sold $155,000
Closed sales from the MLS; each page shows the sold price, taxes and value history.
More Satsuma home searches
- All homes for sale in Satsuma, FL
- Homes for sale in Putnam County, FL
- Satsuma waterfront homes for sale
- Homes under $300K in Satsuma
- Homes from $300K to $500K in Satsuma
- ZIP 32189 housing scorecard
Satsuma guides & data
Florida buyer guides
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Saratoga Drive (9 homes on record)
18% of homes for sale in ZIP 32189 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 (2026-10-23).
What it really costs to own in Saratoga Harbor
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 | At today's median asking price of $1,149,250, the first-year bill with homestead is about $18,700/yr (Putnam County total millage 16.8861 mills, FY2025-26, Putnam County Property Appraiser, FY2025-26 adopted budget). |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Putnam County is $1,345/yr (550 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. |
Email me new listings in Saratoga Harbor
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 Harbor
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Saratoga Harbor will answer, and the answer is published on this page for the next buyer.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Putnam 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 · Putnam 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.
Price History: What Homes Here Have Actually Sold For
Median sale prices in Saratoga Harbor Satsuma year by year since 2012, from closed MLS sales. Long-run history beats any single estimate: it shows what this community has actually done through rate cycles, not what a model guesses.
Frequently Asked Questions
Is Saratoga Harbor a buyer's or seller's market right now?
How many homes are in Saratoga Harbor?
What share of Saratoga Harbor is owner-occupied?
When were the homes in Saratoga Harbor built?
What schools serve Saratoga Harbor?
Who is the best real estate agent for Saratoga Harbor?
How do I find a top Satsuma real estate agent who knows Saratoga Harbor?
Can Momentum Realty connect me with an agent for Saratoga Harbor?
Where is Saratoga Harbor, and what county is it in?
How far is Saratoga Harbor from downtown Jacksonville and the beach?
Should you buy in Saratoga Harbor?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: October 21, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (5 streets, ZIP 32189)) |
| Under-contract shares | realMLS records, as of 2026-10-20 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2001 (62 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 realMLS 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.
Own a home here?
You just read the data. Now see what your home is worth.
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 realMLS member average and 8 days faster, and we’ll price yours against live local comps.
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See how Saratoga Harbor fits the bigger picture — live prices, inventory, and Momentum Scores: