Question 1

What is the asking price for 3434 SPINNAKER BAY, Saratoga Springs?

Accepted Answer

3434 SPINNAKER BAY, Saratoga Springs is listed at $450,000.  This listing is currently active and available for showings.

Question 2

What type of property is 3434 SPINNAKER BAY, Saratoga Springs?

Accepted Answer

3434 SPINNAKER BAY, Saratoga Springs is a Land (Residential).   Zoning: Single-Family.

Question 3

Is there an HOA for 3434 SPINNAKER BAY, Saratoga Springs?

Accepted Answer

No, this property is not part of a homeowners association, which means no monthly HOA fees. Homeowners maintain full control over their property without HOA restrictions or assessments.

Question 4

What are the property taxes for 3434 SPINNAKER BAY, Saratoga Springs?

Accepted Answer

Annual property taxes for this property are approximately $2,200 (about $183/month). This represents an effective tax rate of approximately 0.49% of the list price. Property taxes in Utah vary by county and are subject to change.

Question 5

How long has 3434 SPINNAKER BAY, Saratoga Springs been on the market?

Accepted Answer

This property has been listed for 289 days. The average days on market in Saratoga Springs is 79 days, meaning this listing is taking longer than the local average. Extended time on market may present negotiation opportunities for buyers.

Question 6

What schools serve 3434 SPINNAKER BAY, Saratoga Springs?

Accepted Answer

Assigned schools: Elementary: Springside; Middle: Lake Mountain; High: Westlake.   School district: Alpine.

Question 7

What high school is near 3434 SPINNAKER BAY, Saratoga Springs?

Accepted Answer

The nearest high school is Westlake. View the full school profile on Propaired for test scores, enrollment, and student-to-teacher ratios.

Question 8

What elementary school is near 3434 SPINNAKER BAY, Saratoga Springs?

Accepted Answer

The nearest elementary school is Springside. Propaired provides full school ratings and comparison data for all schools in this area.

Question 9

What middle school is near 3434 SPINNAKER BAY, Saratoga Springs?

Accepted Answer

The nearest middle school is Lake Mountain.

Question 10

How does this listing compare to the Saratoga Springs market?

Accepted Answer

3434 SPINNAKER BAY, Saratoga Springs is listed at $450,000, which is below the Saratoga Springs median of $505,000 by $55,000. There are currently 444 active listings in Saratoga Springs. Homes in Saratoga Springs sell in an average of 79 days. The average sale-to-list ratio is 99.9%.

Question 11

What is the Saratoga Springs real estate market like in 2026?

Accepted Answer

In 2026, the median home price in Saratoga Springs is $505,000. There are currently 444 active listings. Homes sell in an average of 79 days. The average sale-to-list ratio is 99.9%. This listing at $450,000 is below the Saratoga Springs 2026 median.

Question 12

Are there other homes for sale in Saratoga Springs?

Accepted Answer

Yes — there are currently 444 active listings in Saratoga Springs. Browse all Saratoga Springs homes for sale at propaired.ai/listings/ut/saratoga-springs. Prices range around a median of $505,000. Homes in Saratoga Springs are selling in about 79 days on average.

Question 13

How does this price compare to the Utah state average?

Accepted Answer

At $450,000, this property is below the Utah state median of $525,000 by $75,000. Saratoga Springs prices are 4% below the state average. Utah's housing market varies significantly by region — front-range cities near SLC are typically more expensive than rural areas.

Question 14

What are the water and sewer connections for 3434 SPINNAKER BAY, Saratoga Springs?

Accepted Answer

Sewer: Sewer: Public.  Municipal sewer service means no septic maintenance costs. Water is a critical consideration in Utah's arid climate.

Question 15

What would homeowner's insurance cost for 3434 SPINNAKER BAY, Saratoga Springs?

Accepted Answer

Homeowner's insurance in Utah typically ranges from 0.3% to 0.5% of the home's value annually. For a home listed at $450,000, expect approximately $1,350-$2,250/year ($113-$188/month).   Get multiple quotes — rates vary significantly by insurer.

Question 16

What are the estimated closing costs for 3434 SPINNAKER BAY, Saratoga Springs?

Accepted Answer

Closing costs in Utah typically range from 2-5% of the purchase price. For a home at $450,000, expect approximately $9,000-$22,500 in closing costs. This includes title insurance, escrow fees, lender fees, recording fees, and prepaid items (insurance, taxes). Buyers should also budget for a home inspection ($300-$500), appraisal ($400-$600), and any lender-required reserves.

Question 17

How does the property tax compare to the list price at 3434 SPINNAKER BAY, Saratoga Springs?

Accepted Answer

The annual property tax of $2,200 represents an effective rate of 0.49% relative to the list price of $450,000. This is below the Utah average effective rate of approximately 0.58%, which is favorable for the buyer. Property taxes in Utah are assessed by the county and can change when the property is sold.

Question 18

Is 3434 SPINNAKER BAY, Saratoga Springs eligible for FHA or VA financing?

Accepted Answer

At $450,000, this property is likely within FHA loan limits for most Utah counties. VA loans have no price cap but require VA eligibility.    Consult a mortgage lender for personalized eligibility.

Question 19

Could 3434 SPINNAKER BAY, Saratoga Springs be a 1031 exchange property?

Accepted Answer

Yes, 3434 SPINNAKER BAY, Saratoga Springs could potentially qualify for a 1031 like-kind exchange if used as an investment or business property. A 1031 exchange allows deferral of capital gains taxes by reinvesting proceeds from one investment property into another. Key requirements include identifying a replacement property within 45 days and closing within 180 days. The property must be held for investment purposes — personal residences do not qualify. Consult a qualified intermediary and tax advisor for specific guidance.

Question 20

What is the price trend in Saratoga Springs?

Accepted Answer

Saratoga Springs's median price has increased 4.2% month-over-month. Current median: $505,000. Days on market have decreased by 11.3% month-over-month. Homes are selling at 99.9% of list price on average. Monitor these trends to time your offer strategically.

Question 21

What school district is 3434 SPINNAKER BAY, Saratoga Springs in?

Accepted Answer

This property is in the Alpine school district. Assigned elementary: Springside. Assigned middle: Lake Mountain. Assigned high: Westlake. School district boundaries can affect property values by 5-15%. Contact the district directly to confirm current enrollment boundaries, as they may change.

Question 22

Is 3434 SPINNAKER BAY, Saratoga Springs move-in ready?

Accepted Answer

Property condition is listed as: Blt./Standing.

Question 23

Does 3434 SPINNAKER BAY, Saratoga Springs come with a home warranty?

Accepted Answer

No home warranty is currently included with this property. Buyers can request a home warranty as part of the purchase negotiation — they typically cost $400-$700/year and cover major systems and appliances. This is especially valuable for older homes.

Question 24

What is the lot like at 3434 SPINNAKER BAY, Saratoga Springs?

Accepted Answer

The lot is 0.36 acres. Lot features: View: Lake,View: Mountain,Terrain: Flat. Terrain: Terrain: Flat.   Lot characteristics affect usability, privacy, and future improvement potential.

Question 25

What utilities are available at 3434 SPINNAKER BAY, Saratoga Springs?

Accepted Answer

Available utilities include: Sewer: Public,Gas: Stubbed,Power: Stubbed,Sewer: Stubbed.  Sewer: Sewer: Public. Utility costs in Utah vary by season — expect higher heating bills in winter and cooling costs in summer. Contact local utility providers for average monthly cost estimates for this address.

3434 SPINNAKER BAY, Saratoga Springs, UT 84045

3434 S SPINNAKER BAY DR, Saratoga Springs, UT 84045

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