Saratoga
Homes for Sale in St. Augustine, FL
All 1,143 homes for sale in St. Augustine, FL · median $479,990 · 260 homes for sale in 32084 · St. Johns County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of October 2026, the MLS records 7 closed sales in Saratoga in St. Augustine, FL since 2012, the most recent in April 2021. Across St. Augustine as a whole, 2,438 homes closed in the last 12 months at a median of $445,000, 48 median days on market, with 692 homes for sale today. At that median and St. Johns County's FY2025-26 rate of 13.47 mills, annual property tax runs about $5,990 ($5,480 with the full homestead exemption).
Saratoga sits in St. Augustine, within St. Johns County, and the honest starting point is that we're working from a thin data snapshot as of mid-2026. What that means in practice: price here is driven less by a headline number and more by the specifics of the individual home — its condition, its lot, and how it's finished. Treat any listing on its own merits rather than assuming a community-wide going rate.
For a buyer, that argues for patience and a close read of each property. For a seller, it argues for pricing to the actual condition and comparable evidence rather than a round number. In a market this specific, the spread between a tired home and an updated one can be wide, and that gap is where negotiation lives.
Nearby homes for sale
No active listings inside Saratoga right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Saratoga is a St. Augustine address in St. Johns County, close to the coastal and historic draw that defines this part of Northeast Florida. Judge it property by property — this is a place where the individual home does more to set value than any community average.
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.
Who Saratoga is best for.
Best for
- Buyers prioritizing a St. Augustine location who will underwrite each home on its condition and lot
- Long-horizon buyers comfortable making decisions from comparables rather than a published community trend
- Sellers willing to price to actual condition and defensible comps rather than a round number
Probably not for
- Buyers who want a clearly established, easily benchmarked community price point before committing
- Anyone needing a fast, data-rich market with heavy transaction volume to guide their offer
- Sellers expecting to anchor to a headline figure without supporting comparable evidence
The market around Saratoga
Saratoga is too small for its own price trend, so here is the market around it.
In ZIP 32084, 340 homes are on the market and 22% are under contract — a steady corner of St. Augustine.
Across St. Johns County, 1,952 homes are active and 794 pending (29% under contract).
In ZIP 32084 (St. Augustine), 910 homes closed in the last 12 months at a median of $364K ($208/sq ft), up 1.0% year over year, with a median 55 days on market. Right now 170 active and 52 pending listings put supply at about 4.0 months — a balanced market. See the live ZIP 32084 housing market and the St. Johns County market.
ZIP and county figures describe the wider market, not Saratoga specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Saratoga, St. Augustine
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.
The Saratoga buying strategy.
If we were buying in Saratoga 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 Saratoga.
Reading Saratoga on limited data
When a community snapshot is this lean, the disciplined move is to lean on what you can verify in person: the home's condition, its systems, the lot, and the immediate surroundings. St. Augustine's appeal is location-driven, so proximity to the historic core, the coast, and county road access will carry real weight in how a given home trades.
We won't manufacture price ranges or trend lines we can't support. What we can tell you is how to underwrite a purchase or a sale here — comps first, condition second, and a clear-eyed view of what a specific property offers versus its asking price.
The location and the amenities are priced into every listing in Saratoga. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
Momentum is a Northeast Florida brokerage, and St. Johns County is our home turf. In a community where the data is thin, our value is in the legwork — pulling real comparables, walking the home with you, and telling you plainly when a listing is priced past its condition. We'd rather talk you out of the wrong house than push you into it.
Saratoga 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 Saratoga 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 sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Saratoga, 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 home worth?
Get a no-obligation home value based on real comparable sales in Saratoga, 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 St. Augustine →
The real cost & risk here
Before the list price, the Florida math the portals skip. These are St. Johns 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 · St. Johns 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.
Frequently Asked Questions
How many homes are in Saratoga?
What share of Saratoga is owner-occupied?
When were the homes in Saratoga built?
Who is the best real estate agent for Saratoga?
How do I find a top St. Augustine real estate agent who knows Saratoga?
Can Momentum Realty connect me with an agent for Saratoga?
Where is Saratoga, and what county is it in?
How far is Saratoga from downtown Jacksonville and the beach?
Should you buy in Saratoga?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 32084/32092)) |
| Under-contract shares | realMLS records, as of 2026-10-01 |
| Historical depth | Closed-sale records back to 2012 (7 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.
Looking to buy here? Search homes for sale →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Saratoga fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Saratoga with Momentum Realty’s local guides.
Schools serving nearby communities
We do not have a confirmed school assignment for Saratoga. These are the public schools most often assigned to other communities in ZIP 32084; zones change and vary by address, so confirm with the district before you buy.
- St. Augustine High School · High · FLDOE grade A (assigned to 30 nearby communities)
- Sebastian Middle School · Middle · FLDOE grade A (assigned to 15 nearby communities)
- R.J. Murray Middle School · 6-8 (assigned to 10 nearby communities)
- Ketterlinus Elementary School · Elementary · FLDOE grade A (assigned to 8 nearby communities)
- James A. Webster Elementary School · Elementary · FLDOE grade C (assigned to 4 nearby communities)
Assignments from district data for neighboring communities; grades are official Florida Department of Education school grades (2025-26).