Condominium · Cutler Bay, FL
Saga Bay Gardens Cutler Bay, FL Homes For Sale & Real Estate
Saga Bay Gardens, Cutler Bay, FL, is a community in Miami-Dade County with 8 homes for sale right now. Homes here were built starting in 1988.
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Market Overview
Saga Bay Gardens real estate market
There are 8 active listings for sale in Saga Bay Gardens right now. The median list price is $218,000, or about $247 per square foot. Listings span $169,900 to $295,000, so there is inventory across most budgets. Homes are averaging 206 days on market. These figures update from the MLS as the market moves.
Saga Bay Gardens Market Stats
MLS data updated October 2, 2026- Active Listings
- 8
- Median List Price
- $218,000
- Median $/Sq Ft
- $247
- Avg Days on Market
- 206
- Price Range
- $169,900 to $295,000
Frequently Asked Questions
- How many homes are for sale in Saga Bay Gardens?
- There are 8 active listings for sale in Saga Bay Gardens right now, and these counts update from the MLS as homes come on the market and go under contract. Prices cluster fairly closely, with the top of the market about 1.7 times the entry level. Ask us to set up a search alert and you will see new Saga Bay Gardens listings the day they reach the market.
- What is the median home price in Saga Bay Gardens?
- The median list price in Saga Bay Gardens is $218,000, or roughly $247 per square foot. The median is the midpoint of what is currently listed, so about half of Saga Bay Gardens homes ask more and half ask less, within a broader range of $169,900 to $295,000. The median sits near the middle of that range, so Saga Bay Gardens inventory is spread fairly evenly rather than bunched at one end. We can pull recent comparable sales to price a specific home more precisely.
- What price range do homes in Saga Bay Gardens cover?
- Homes for sale in Saga Bay Gardens currently range from about $169,900 at the entry level to $295,000 at the top of the market. That spread reflects unit size, floor, and finish level across the condos and townhomes here, with the median list price around $218,000. The spread is tight, which usually points to a consistent housing stock rather than a mix of sizes and eras. Tell us your budget and must-haves and we will send the Saga Bay Gardens listings that actually fit.
- How long do homes take to sell in Saga Bay Gardens?
- Homes in Saga Bay Gardens are averaging 206 days on market, measured from the day a listing goes live to the day it goes under contract. That is a slow pace, so sellers here should expect to price carefully and buyers often have time to compare before committing. Days on market in Saga Bay Gardens also shift with the season and with how a home is priced, so a sharply priced listing can still sell well ahead of the average.
- Are there lakefront homes in Saga Bay Gardens?
- Yes. Many Saga Bay Gardens homes back onto community lakes, and lake-view lots are common in current listings. The water here is inland lake frontage rather than Intracoastal or ocean access, so do not expect navigable water or boat dockage.
About Saga Bay Gardens
Saga Bay Gardens, Cutler Bay, FL, is a community in Miami-Dade County with 8 homes for sale right now. Homes here were built starting in 1988. Listings update from the MLS nightly.
Homes & Architecture
Homes for sale in Saga Bay Gardens
Homes for sale in Saga Bay Gardens offer 1 to 2 bedrooms and 1 to 2 baths. Floor plans span roughly 600 to 980 square feet. The mix here includes condo homes. Current prices run from $169,900 to $295,000.
Schools
Schools near Saga Bay Gardens
Homes for sale in Saga Bay Gardens are typically zoned for the Cutler Bay public schools below, based on current MLS listings. Confirm the exact attendance zone for any specific address with the Miami-Dade County school district before you buy.
- Elementary School
- Dr. Edward L. Whigham
- Middle School
- Cutler Bay Middle
- High School
- Miami Southridge
HOA
Saga Bay Gardens HOA fees
- Median HOA fee
- $604/mo
- Typical range
- $467 to $608
- Lowest to highest
- $339 to $615
- Listings with a fee
- 8 of 8
Across the 8 homes for sale in Saga Bay Gardens that list an HOA fee, the median is $604 a month. Half of them fall between $467 and $608. Fees quoted quarterly or yearly are converted to a monthly figure so they compare directly.
The fee most often covers water, common areas, building insurance, sewer, trash pickup and grounds maintenance. Coverage differs from one building or section to the next, so read what a specific listing includes before comparing it with another.
Listings here most often mention elevators, laundry facilities, tennis courts, grounds maintenance, fitness center and pool.
7 of the 8 listings that state a pet policy allow pets, often with limits.
From current MLS listings in Saga Bay Gardens; the figures change as homes come and go. Confirm the fee, any special assessments and the association's rules with the HOA before you buy.
Recent Sales
Recently sold homes in Saga Bay Gardens
These are the last 3 recorded closings in Saga Bay Gardens, with the price each home actually sold for rather than what it was listed at. They closed at a median of $250 per square foot. The most recent closed on September 4, 2026. Closed sales are what an appraiser and a buyer's agent will look at, so they are the starting point for pricing a home here.
Sold$190,000
Sold · September 4, 2026
8240 SW 210th Street 207
1 bed · 1 bath · 760 sqft · $250/sqft
$4,999 under the asking price
Sold$190,000
Sold · August 21, 2026
8240 SW 210th Street 214
1 bed · 1 bath · 760 sqft · $250/sqft
Sold$249,000
Sold · October 9, 2025
8240 SW 210th Street 302
2 bed · 2 bath · 980 sqft · $254/sqft
See every recorded sale in Saga Bay Gardens or find out what your Saga Bay Gardens home is worth.
Market & Value
Saga Bay Gardens market and home values
The Saga Bay Gardens real estate market reads best through the community's own recent activity, not a county-wide average. The median list price in Saga Bay Gardens is around $218,000, or roughly $247 per square foot. That sits about 64% below the Miami-Dade County median, which shows where Saga Bay Gardens lands in the local market. Recent asking prices have run from $169,900 to $295,000, so the home you choose within Saga Bay Gardens matters as much as the community average. Homes here have recently taken about 206 days to go under contract, a useful gauge of how quickly the Saga Bay Gardens market is moving. For pricing an offer or a listing, comparable sales within Saga Bay Gardens carry more weight than any headline number, since homes of the same type and size set the real range. Pure Equity can pull the active and recently sold homes in Saga Bay Gardens so you work from real numbers, not an estimate.
How It Compares
Saga Bay Gardens compared to nearby Cutler Bay communities
Saga Bay Gardens carries the lowest median of the 7 Cutler Bay communities compared here. Price per square foot is the fairer comparison between communities, because it adjusts for the fact that one neighborhood builds bigger homes than another. Days on market shows how quickly each one is actually selling.
| Community | Homes | Median | $/Sq Ft | Days |
|---|---|---|---|---|
| Cutler Cay | 26 | $1,149,500 | $279 | 101 |
| Saga Bay | 8 | $799,000 | $344 | 114 |
| Bel Aire | 13 | $709,985 | $423 | 90 |
| Lakes By The Bay | 15 | $520,000 | $358 | 106 |
| The Courts At Bayshore | 26 | $309,900 | $300 | 124 |
| Le Club At Old Cutler Con | 14 | $235,000 | $265 | 80 |
| Saga Bay Gardens this page | 8 | $218,000 | $247 | 206 |
Medians come from active listings in each community and move as inventory turns over. They describe the homes currently for sale, not what any one home is worth.
Who It Suits
Is Saga Bay Gardens right for you?
It helps to know who Saga Bay Gardens tends to suit before you tour. Saga Bay Gardens suits a range of buyers, from first-time owners to move-up families, who want a home in Cutler Bay with the everyday conveniences of the area close by. A lake view is a common ask here, since many Saga Bay Gardens lots back onto water without the flood exposure of a coastal address. On price, Saga Bay Gardens sits toward the more attainable end of the market, which draws first-time buyers, downsizers, and investors. Whether Saga Bay Gardens is right for you depends on how you plan to use the home, full time or seasonally, and Pure Equity can walk you through the tradeoffs before you commit.
Amenities & Lifestyle
Living in Saga Bay Gardens
Many homesites in Saga Bay Gardens back onto community lakes, so lake views and water frontage are common here even though the community sits inland.
Location
Saga Bay Gardens location
Saga Bay Gardens is located in Cutler Bay, part of Miami-Dade County, Florida. Residents are close to the shopping, dining, schools, and parks of the Cutler Bay area, with the wider job centers, beaches, and airports of the region within driving distance.
Buying in Saga Bay Gardens
Buying a home in Saga Bay Gardens
The buying process in Saga Bay Gardens is the one used across Miami-Dade County. Getting a mortgage pre-approval first tells you your real budget and lets you move quickly when the right home comes up. Property taxes factor into the monthly payment: the median annual property tax in Miami-Dade County is about $3,516. Florida's homestead exemption lowers the taxable value of a primary residence, and the Save Our Homes cap limits how fast that assessed value can rise from year to year. Budget for homeowners insurance as well. Rates in Florida reflect wind and flood exposure, so gather quotes early and check whether a specific address sits in a FEMA flood zone. Once you are under contract, plan for a home inspection and, if you are financing, a lender appraisal, both of which fall inside the inspection period. Working with an agent who knows Cutler Bay means you see new listings in Saga Bay Gardens the day they reach the market.
Selling in Saga Bay Gardens
Selling a home in Saga Bay Gardens
Selling a home in Saga Bay Gardens starts with pricing it correctly for current conditions. List prices in Saga Bay Gardens currently center around $218,000, which is a starting reference for where a comparable home might be positioned. Homes that are decluttered, professionally photographed, and priced to recent comparable sales tend to draw the most interest in the first two weeks, when a listing is newest and gets the most views. Florida sellers usually pay the documentary stamp tax on the deed, currently $0.70 per $100 of the sale price in most counties, along with prorated property taxes and, by local custom in many areas, the owner's title insurance policy. We provide a no-obligation home valuation for Saga Bay Gardens owners in Cutler Bay, so you can see what your property could sell for before you commit to listing.
Thinking of Selling?
What is your Saga Bay Gardens home worth?
Online estimates miss what makes a home different. Tell us about yours and a licensed listing agent will send you a pricing opinion based on what has actually closed near you in Saga Bay Gardens.
Listing agents and seller representation in Saga Bay Gardens
Thinking about selling in Saga Bay Gardens? The agent you pick shapes two numbers: what your home closes for, and how long it takes. A listing agent, also called a seller's agent, prices the property against what has actually closed nearby. They also prepare and market it, screen the offers that arrive, and negotiate the terms rather than just the price.
Conditions in Saga Bay Gardens sit close to balanced, which rewards sellers who price against real closed sales instead of neighboring asking prices. Homes here are averaging about 206 days from listing to accepted offer, so build that into your moving timeline.
Community-level detail matters most here. Association rules, what the fees cover, and which buildings sell fastest all affect your outcome. So does whether a buyer needs board approval before closing. None of it appears in a listing description. All of it decides whether a sale closes on time.
Pure Equity is a licensed Florida brokerage serving Saga Bay Gardens. Onias Derilus is the broker of record, Florida Real Estate Broker license BK3276618. A broker holds a higher license than an agent working under one. In practice that means the person advising you on price is also the one legally responsible for the file. That matters most when a deal gets complicated.
More on this: what a listing marketing plan should include · selling a house in foreclosure
Realtors and real estate agents serving Saga Bay Gardens
People search for realtors, real estate agents, and real estate brokers more or less interchangeably. For most purposes the job title matters less than licensing and representation. Every licensed agent in Florida works under a broker. That broker carries final responsibility for the transaction.
What separates real estate professionals in Saga Bay Gardens is specificity. Can they answer questions about your street, not just your city? Ask what they have closed nearby and how they arrived at a price. A grounded answer cites particular recent sales. It also explains why those homes compare to yours. Vague reassurance is the warning sign.
More on this: how much is my house worth in South Florida? · what is a comparative market analysis? · taxes and money when you sell
Buyer's agents in Saga Bay Gardens
A buyer's agent represents the purchaser rather than the owner. They identify properties that actually fit and research what comparable homes sold for, not what they asked. They also advise on offer strategy. Finally, they manage inspection and financing deadlines through to closing.
Where buyers have room to negotiate, as they do in Saga Bay Gardens, the leverage is only worth something if you know where it exists and what to ask for. If you are buying and selling at the same time, which is common for people moving within Miami-Dade County, sequencing the two is its own skill: contingencies, timing, and what happens if one closing slips all need planning before either home goes on the market.
What representation costs
Real estate commissions are negotiable. No law, multiple listing service, or association sets them. If an agent tells you there is a standard rate, they are misinforming you. What you pay is agreed between you and the brokerage you hire. Get it in writing before the work begins.
Industry rules changed in 2024. Now a buyer and their agent must put compensation in a written buyer agreement before touring homes together. Sellers may still offer to contribute toward the buyer's side. However, that is negotiated rather than assumed. It is worth thinking through with your listing agent before you go live.
More on this: how commission is actually structured · what you actually walk away with · seller concessions, and when to offer them
Buying Instead?
Search Saga Bay Gardens with someone local
We will tell you which listings are worth your time, what comparable homes actually closed for, and how to structure an offer that holds up through inspection and financing.
Frequently asked questions
How do I find a listing agent in Saga Bay Gardens?
Ask any listing agent you interview two questions. Which homes have they closed near Saga Bay Gardens, and how did they arrive at their suggested price? A grounded answer names recent closed sales. It also explains why those homes compare to yours. With a median around $218,000 here, the gap between realistic pricing guidance and optimistic guidance is real money. Verify the license too. Florida licenses are public and searchable through the state's DBPR portal. Pure Equity is a licensed brokerage serving Miami-Dade County. You can reach the broker directly at (561) 835-5400.
What does a seller's agent actually do?
A seller's agent prices the home against comparable closed sales. Before it goes live, they advise on repairs and presentation. Then they handle photography and marketing, and put the home in front of buyers and other agents. When offers arrive, they screen them and negotiate both price and terms. Terms matter as much as the number, because inspection windows, financing contingencies, and closing dates all affect whether an offer reaches the closing table.
How much does a real estate agent cost in Saga Bay Gardens?
Commissions are fully negotiable. No law or real estate board sets them. What you pay is whatever you and your brokerage agree to in writing before work begins. Since the 2024 rule changes, buyers and their agents must agree compensation in a written buyer agreement before touring homes. Any seller contribution toward the buyer's side is negotiated rather than automatic. Ask any agent you interview to put their fee in writing.
What is the difference between a realtor, a real estate agent, and a broker?
A real estate agent holds a state license to represent buyers and sellers. A broker holds a higher-level license and can operate a brokerage. That broker also carries final legal responsibility for the office's transactions. Realtor is a membership term for agents belonging to the National Association of Realtors. For someone buying or selling in Saga Bay Gardens, three practical questions matter. Is the person licensed, who do they represent in your transaction, and what can they actually tell you about your local market?
Do I need an agent to buy a home in Saga Bay Gardens?
You are not legally required to use one, but most buyers in Saga Bay Gardens do. A buyer's agent handles the parts that are easy to get wrong. That means identifying what comparable homes actually closed for, spotting condition or association issues early, and managing inspection and financing deadlines. Even in a slower market, negotiating room is only useful if you know where it exists.
Can one agent help me sell my current home and buy the next one?
Yes. For people moving within Miami-Dade County it is often the more practical route, because one person coordinates both timelines. Sequencing is the hard part. Should your purchase be contingent on your sale? How would you cover a gap if the closings do not line up? What happens if one side is delayed? Plan all of that before either home is listed, rather than after an offer arrives.
Public Records
Look up Saga Bay Gardens property records
Anything on this page that affects what a home costs to own, assessed value, exemptions, flood zone, is published by a public agency. These are the official sources, not our summaries of them.
Miami-Dade County Property Appraiser
Assessed value, homestead exemption status, and recorded sales history for any parcel.
FEMA Flood Map Service Center
Look up the official flood zone for an address before you budget for insurance.
Florida Department of Revenue, property taxes
How Florida assesses property, and which exemptions you can claim.
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