Saratoga Bay Homes for Sale

Saratoga Bay is a gated, waterfront community in West Palm Beach, Palm Beach County, Florida. Active listings are priced from $718,000 to $839,500. Homes were built starting 1987. Pure Equity lists homes in Saratoga Bay and represents buyers. Commission is negotiable, and what we are paid is agreed with you in writing before you commit to anything.

Pure Equity Realty covers Saratoga Bay and the West Palm Beach area. We list for 1%, which includes photography, MLS syndication, and negotiation support. Buyers pay nothing for representation. For current market data, see Florida Realtors' market statistics.

Our MLS feed shows 3 Saratoga Bay West Palm Beach homes for sale as of October 2026. The median asking price is $759,000. Asking prices run from $690,000 to $830,000.

That is 137% above the West Palm Beach median of $320,000. On a per-foot basis, homes here ask about $334 per square foot, compared with $248 across West Palm Beach. So the median price buys roughly 2,250 square feet of living area.

Listings here have averaged 140 days on the market. That tracks the West Palm Beach average of 119 days, so pricing and terms follow the wider city market.

Homes listed in Saratoga Bay date from 1987, so they are about 39 years old.

All of these homes predate Florida's 2002 statewide building code. So roof age, window protection and the wind mitigation report matter a great deal for insurance.

In addition, most Florida insurers ask for a four-point inspection on homes 30 years or older. It covers the roof, electrical, plumbing and HVAC. Updated systems usually make coverage easier to place.

Saratoga Bay is a gated community. Therefore, expect to register visitors and contractors with the gate before each visit.

Saratoga Bay includes waterfront homes. Waterfront lots in South Florida often sit in FEMA special flood hazard areas, where lenders require flood insurance. Before you commit, look up the address on the FEMA Flood Map Service Center and ask the seller for an elevation certificate.

Here is what the median Saratoga Bay price means in Florida closing terms. At $759,000, a 20% down payment comes to about $152,000, leaving a loan near $607,000.

Florida then taxes that loan twice. First, documentary stamp tax on the note runs 35 cents per $100, or about $2,125. Next, the intangible tax of 0.2% adds about $1,214. Buyers normally pay both at closing.

On the seller side, Florida deed stamps cost 70 cents per $100 of price. At the Saratoga Bay median, that is about $5,313.

Finally, owner-occupants should file for the Florida homestead exemption by March 1. It removes up to $50,000 of assessed value. After that, Save Our Homes caps yearly assessment increases at 3% or inflation, whichever is lower. To see what these numbers mean for your budget, get pre-approved before you tour.

Recent Saratoga Bay listings show assignments to Seminole Trails (elementary), Bear Lakes (middle) and Palm Beach Lakes (high). However, boundaries can change each year, so confirm the assignment for a specific address with the School District of Palm Beach County.