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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

Saratoga Harbor Homes For Sale

Saratoga Harbor is a Putnam County community in Satsuma where the current market runs from about $1.1M to $1.3M, with homes built 1998–2008.

2 homes · updated 6 minutes ago

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Market Snapshot

As of November 10, 2026, 2 homes are currently for sale in Saratoga Harbor, priced $1.0M - $1.2M.

For Sale Now
2
Price Range
$1.0M - $1.2M
Sold (12 mo)
1
Avg. Days on Market
133 days
HOA Dues
~$216/yr typical
1 of 2 listings carry dues

Market stats are based on similar homes in Saratoga Harbor, including 1 recent recorded sale — they may not include listings or sales that aren't comparable to this market. Sourced from the MLS; refreshed regularly.

Nature near Saratoga Harbor

The closest public trail systems and preserves (places with at least a mile of mapped trail or 500 acres), by drive time, from the state, water-district, county and National Park Service maps.

Every state and national park within two hours →The springs, by drive time →

Public lands only; ramps and launches from FWC’s inventory, straight-line distance. Trail miles are what the managing agency maps; hours, fees, hunting seasons and closures change, so check the agency’s page before you go.

The Area

About Saratoga Harbor

Saratoga Harbor is a Putnam County community in Satsuma where the current market runs from about $1.1M to $1.3M, with homes built 1998–2008. Every listing below is live from the MLS — the same data, tax truth, and flood detail as everywhere else on this site, updated continuously.

Living Here

What It's Like to Live in Saratoga Harbor

Saratoga Harbor is genuinely river-oriented — the St. Johns River is the backdrop and the amenity, known among anglers as a world-class bass fishing destination. Day-to-day life here is quieter and more self-directed than in amenity-heavy master-planned communities; residents tend to gravitate toward the water itself for recreation. For cultural excursions, historic St. Augustine is roughly 34 miles away, where St. George Street's pedestrian district and the Castillo de San Marcos national monument offer an afternoon's worth of restaurants, galleries, and history. The St. Augustine Amphitheatre, about 33 miles out, draws national touring acts to an intimate outdoor setting when residents want a night out.

The Homes

Saratoga Harbor Homes & Architecture

Homes in Saratoga Harbor are single-family residences, typically in a traditional or custom style, running roughly 1,850 to 3,000 square feet with three to four bedrooms and two to three baths. Every home in the community sits on the St. Johns River, and the majority of recent listings have included private pools. Interior features commonly include hardwood floors, open floor plans, kitchen islands, eat-in kitchens, butler pantries, and walk-in closets — the kind of finishes that reflect custom construction rather than production building. Outdoor amenities like private docks, boat lifts, and boat slips are a recurring theme here, which makes sense given the community's deep connection to the river.

Amenities

Saratoga Harbor Amenities & Community Features

The community includes a pool as a shared amenity, and the St. Johns River itself functions as the defining recreational feature — with private docks, boat lifts, and boat slips common among the homes here. Fire pits are another recurring outdoor element, well-suited to evenings on the riverbank.

Location

Saratoga Harbor Location & Commute

Saratoga Harbor sits in Satsuma, in Putnam County, along the western bank of the St. Johns River in Northeast Florida. The community is positioned outside the St. Johns County and Beaches corridor — it's a more rural, river-focused setting, and buyers should plan for a longer drive for everyday errands and services. Historic St. Augustine is about 34 miles to the southeast, and the Castillo de San Marcos and St. George Street are reachable in roughly 45 minutes.

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Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Christie's International Real Estate First Coast

Questions

Frequently Asked Questions about Saratoga Harbor

What are the HOA fees in Saratoga Harbor, and what do they cover?

Fee figures move with each association budget and each district's adopted assessment, so I confirm them per home at the point you are serious. That annual structure is notably lighter than the monthly fees common in larger master-planned communities. I'd always recommend confirming exactly what's included in the HOA documents before closing, as specifics can vary.

Are all the homes in Saratoga Harbor on the water?

Private docks, boat lifts, and boat slips are common features, which reflects how central the river is to life in Saratoga Harbor. The St. Johns is well regarded for bass fishing, so that connection to the water is genuinely part of the day-to-day experience.

How far is Saratoga Harbor from St. Augustine or Jacksonville?

Saratoga Harbor is in Satsuma, Putnam County, which puts it outside the typical St. Johns County and Beaches corridor. Historic St. Augustine is roughly 34 miles away — about 45 minutes depending on traffic. I don't have precise drive times to downtown Jacksonville on hand, but I can get that for you; it's worth mapping your specific commute needs before committing to this location, as the area is more rural than the suburban communities closer to the coast.

Neighborhoods nearby: Pomona Heights (6.2 mi) · Mount Royal Estates (6.9 mi, ~1 for sale) · Blair Estates (7.3 mi)

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