Question 1

What is the asking price for 896 BANNER, Saratoga Springs?

Accepted Answer

896 BANNER, Saratoga Springs is listed at $654,900 ($181/sqft). The original list price was $652,900, representing a increase of $2,000. This listing is currently active and available for showings.

Question 2

How many bedrooms and bathrooms does 896 BANNER, Saratoga Springs have?

Accepted Answer

This Residential features 3 bedrooms, 3 bathrooms, 3,623 square feet of living space. It is a 3-story home. The lot is 0.11 acres.

Question 3

When was 896 BANNER, Saratoga Springs built?

Accepted Answer

This property was built in 2026, making it 0 years old. As a newer construction, it likely features modern building codes, energy-efficient systems, and contemporary finishes.

Question 4

What type of property is 896 BANNER, Saratoga Springs?

Accepted Answer

896 BANNER, Saratoga Springs is a Residential (Single Family Residence). The architectural style is Stories: 2. It is located in the HIGHRIDGE subdivision. Zoning: Single-Family.

Question 5

Does 896 BANNER, Saratoga Springs have a garage or parking?

Accepted Answer

Yes, this property includes a 2-car garage and 4 open parking spaces. Total parking capacity: 6 vehicles.

Question 6

Is there an HOA for 896 BANNER, Saratoga Springs?

Accepted Answer

Yes, this property is part of a homeowners association. HOA fees are $104 monthly. HOA fees typically cover shared amenities, landscaping, and community maintenance.

Question 7

What are the property taxes for 896 BANNER, Saratoga Springs?

Accepted Answer

Annual property taxes for this property are approximately $1 (about Contact for Price/month). This represents an effective tax rate of approximately 0.00% of the list price. Property taxes in Utah vary by county and are subject to change.

Question 8

What are the key features of 896 BANNER, Saratoga Springs?

Accepted Answer

Interior features include: Bath: Primary, Closet: Walk-In, Disposal, Great Room. Exterior features include: Double Pane Windows.

Question 9

Is 896 BANNER, Saratoga Springs a good deal?

Accepted Answer

Propaired's AI deal analysis classifies this property as a "Standard" with a deal score of 23/100. Key deal signals: 5.6% gross rental yield. The price is 0% above similar homes in the area. This analysis considers price relative to comparables, days on market, price reductions, and market conditions.

Question 10

How does this price compare to similar homes in Saratoga Springs?

Accepted Answer

The median price for similar properties in the area is $653,900 (based on 10 homes). At $654,900, this listing is 0% above the median for comparable homes. It ranks #Fair Price among similar listings by value.

Question 11

What would the monthly mortgage payment be for 896 BANNER, Saratoga Springs?

Accepted Answer

At the current 30-year mortgage rate of 6.46% with 20% down, the estimated monthly principal and interest payment is $3,298. Including estimated taxes and HOA fees, the total monthly cost is approximately $3,402. A 15-year mortgage at 5.77% would be $4,356/month but saves significantly on interest. These are estimates — contact a lender for a personalized quote.

Question 12

How long has 896 BANNER, Saratoga Springs been on the market?

Accepted Answer

This property has been listed for 11 days. The average days on market in Saratoga Springs is 88 days, meaning this listing is moving faster than the local average. This is a fresh listing — act quickly if interested.

Question 13

Is 896 BANNER, Saratoga Springs a good investment property?

Accepted Answer

Based on market rental data, this property has an estimated annual rent of $36,783 with a gross rental yield of 5.6%. Net rental yield (after estimated expenses): 3.6%.  Estimated debt service coverage ratio (DSCR): 0.70. Investor score: 42/100. These are estimates based on area comparables.

Question 14

What is the estimated rental income for 896 BANNER, Saratoga Springs?

Accepted Answer

Based on area comparables, the estimated monthly rent for this property is $3,065 ($36,780/year). The gross rent multiplier is 17.8x (lower is generally better for investors). Actual rental income will depend on property condition, local demand, and management approach.

Question 15

What lifestyle features does 896 BANNER, Saratoga Springs offer?

Accepted Answer

Propaired's AI has identified 4 lifestyle features for this property: Pool, Trail/Hiking Access, New Construction, Master-Planned Community. The primary lifestyle niche is "new_construction." These tags are derived from MLS data, property features, and location analysis.

Question 16

Does 896 BANNER, Saratoga Springs have a pool?

Accepted Answer

Yes, this property includes a private pool.  Utah summers can reach 100°F+, making a pool a valuable amenity. Consider seasonal maintenance costs of approximately $2,000-$4,000/year for a Utah pool.

Question 17

Is 896 BANNER, Saratoga Springs new construction?

Accepted Answer

Yes, this is a new construction property built in 2026. New construction in Utah typically includes modern energy codes, current building standards, builder warranties, and contemporary finishes. It is part of a master-planned community with planned amenities. Review the builder warranty terms and any remaining items on the builder punch list.

Question 18

What recreation is near 896 BANNER, Saratoga Springs?

Accepted Answer

This property has a recreation score of 78/100. Nearby recreation includes: Mountain Ranch Bike Park trailhead (1.9 mi); Park park (0.4 mi); The Ranches Golf Club (0.8 mi); Flight Park State Recreation Area (6.2 mi). Skiing: Sundance Resort (19.2 mi). Utah offers world-class outdoor recreation year-round, from skiing to hiking to national parks.

Question 19

Are there hiking trails near 896 BANNER, Saratoga Springs?

Accepted Answer

Yes, the nearest trailhead is Mountain Ranch Bike Park, just 1.9 miles from the property. Flight Park State Recreation Area is 6.2 miles away. Utah has over 10,000 miles of hiking trails across its diverse terrain, from desert canyons to alpine meadows.

Question 20

What amenities and services are near 896 BANNER, Saratoga Springs?

Accepted Answer

This property has an amenity proximity score of 88/100. Nearby services include: Grocery: Maverik (1.0 mi); Hospital: Saratoga Springs Emergency (1.6 mi); Pharmacy: Walmart Pharmacy (1.2 mi); Dining: Quench It! (1.0 mi). Gas station: 1.1 miles. Gym: Mind Your Body Pilates (2.4 mi).

Question 21

How far is the nearest hospital from 896 BANNER, Saratoga Springs?

Accepted Answer

The nearest hospital is Saratoga Springs Emergency, approximately 1.6 miles from the property. The nearest fire station is 1.3 miles away. Proximity to emergency services is an important safety factor for homebuyers.

Question 22

What schools serve 896 BANNER, Saratoga Springs?

Accepted Answer

Assigned schools: Elementary: Thunder Ridge; Middle: Vista Heights Middle School; High: Westlake.   School district: Alpine.

Question 23

What is the internet speed at 896 BANNER, Saratoga Springs?

Accepted Answer

This property has a broadband score of 100/100 (Excellent). Best available speed: 2000 Mbps download / 2000 Mbps upload. Fiber internet is available at this address. Available providers: CenturyLink (10 Mbps, DSL); Direct Communications Cedar Valley (2000 Mbps, Fiber); HughesNet (100 Mbps, Satellite). Total providers: 11.

Question 24

Is 896 BANNER, Saratoga Springs in a flood zone?

Accepted Answer

This property is classified as low. FEMA flood zone: X (AREA OF MINIMAL FLOOD HAZARD). Flood insurance is not typically required but may be recommended.  Always verify current FEMA maps as they are periodically updated.

Question 25

How does this listing compare to the Saratoga Springs market?

Accepted Answer

896 BANNER, Saratoga Springs is listed at $654,900, which is above the Saratoga Springs median of $490,000 by $164,900. There are currently 439 active listings in Saratoga Springs. Homes in Saratoga Springs sell in an average of 88 days. The average sale-to-list ratio is 98.9%.

Question 26

How does this price compare to the Utah state average?

Accepted Answer

At $654,900, this property is above the Utah state median of $510,000 by $144,900. 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 27

What is the Propaired intelligence score for 896 BANNER, Saratoga Springs?

Accepted Answer

This property has a Propaired intelligence score of 53/100, combining deal value (23), recreation access (78), amenity proximity (88), broadband quality (100), and lifestyle features (4 tags). This composite score helps buyers quickly identify properties that match their priorities.

Question 28

What heating and cooling systems does 896 BANNER, Saratoga Springs have?

Accepted Answer

Heating: Gas: Central,>= 95% efficiency. Cooling: Central Air. Modern HVAC systems typically last 15-20 years with proper maintenance. Utah's climate ranges from sub-zero winters to 100°F+ summers, making reliable heating and cooling essential.

Question 29

What type of roof does 896 BANNER, Saratoga Springs have?

Accepted Answer

The roof material is Asphalt. Asphalt shingles typically last 20-30 years in Utah's climate. With a 0-year-old home, reviewing recent roof inspections is recommended.

Question 30

Does 896 BANNER, Saratoga Springs have a basement?

Accepted Answer

Yes, the basement is described as: Walk-Out Access. Basements in Utah are common and add versatile living or storage space. Check for any signs of moisture or foundation issues during the home inspection.

Question 31

What type of flooring does 896 BANNER, Saratoga Springs have?

Accepted Answer

Flooring types include: Carpet,Laminate,Tile.  Tile flooring is durable and ideal for high-traffic areas and bathrooms. Carpeted areas provide warmth and comfort, especially in bedrooms.

Question 32

What are the water and sewer connections for 896 BANNER, Saratoga Springs?

Accepted Answer

Water source: Culinary. Sewer: Sewer: Connected.   Water is a critical consideration in Utah's arid climate.

Question 33

What shopping and dining is near 896 BANNER, Saratoga Springs?

Accepted Answer

The nearest restaurant is Quench It! (1.0 miles away) and the nearest grocery store is Maverik (1.0 miles). Coffee: SVEA Scandinavian Kafé on Wheels (0.9 mi). Banking: Alpine Credit Union (1.1 mi). Overall amenity proximity score: 88/100.

Question 34

What would homeowner's insurance cost for 896 BANNER, 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 $654,900, expect approximately $1,965-$3,275/year ($164-$273/month).   Get multiple quotes — rates vary significantly by insurer.

Question 35

What are the estimated closing costs for 896 BANNER, Saratoga Springs?

Accepted Answer

Closing costs in Utah typically range from 2-5% of the purchase price. For a home at $654,900, expect approximately $13,098-$32,745 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 36

How does the property tax compare to the list price at 896 BANNER, Saratoga Springs?

Accepted Answer

The annual property tax of $1 represents an effective rate of 0.00% relative to the list price of $654,900. 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 37

What are the total estimated monthly costs for 896 BANNER, Saratoga Springs?

Accepted Answer

Estimated total monthly housing cost: $3,620. This includes principal & interest ($3,298 at 6.46% with 20% down), HOA ($104/mo), and estimated insurance (~$218/mo). Actual costs will vary based on your down payment, credit score, and insurance quotes.

Question 38

Is 896 BANNER, Saratoga Springs eligible for FHA or VA financing?

Accepted Answer

At $654,900, this property may exceed standard FHA loan limits and could require a conventional or jumbo loan. VA loans have no price cap but require VA eligibility.    Consult a mortgage lender for personalized eligibility.

Question 39

What is the estimated cap rate for 896 BANNER, Saratoga Springs?

Accepted Answer

The estimated cap rate (net rental yield) for this property is 3.6%, based on estimated annual rent of $36,783 and a purchase price of $654,900. Lower cap rates often indicate appreciation-focused markets where property values are expected to rise.

Question 40

Is Saratoga Springs a good rental market?

Accepted Answer

Estimated monthly rent in Saratoga Springs is approximately $2,097. Homes in Saratoga Springs sell in an average of 88 days, indicating moderate demand in this market. There are 439 active listings currently. Gross rental yield in this area: 5.6%. Utah's steady population growth continues to drive rental demand.

Question 41

Could 896 BANNER, Saratoga Springs be a 1031 exchange property?

Accepted Answer

Yes, 896 BANNER, 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 42

How does 896 BANNER, Saratoga Springs compare to recently sold homes nearby?

Accepted Answer

Based on 10 comparable properties, the median sold price in this area is $653,900. This listing is right at the comparable median. It ranks Fair Price among similar listings by value. The median for this property type specifically is $675,000. Comparable analysis is based on similar size, age, and location.

Question 43

Is the Saratoga Springs neighborhood appreciating in value?

Accepted Answer

Based on Zillow Home Value Index data, property values in this area have appreciated 1.4% over the past year. The current Zillow Home Value Index for this area is $556,802. This listing is priced at 118% of the ZHVI estimate. Past appreciation is not a guarantee of future performance.

Question 44

What is the price trend in Saratoga Springs?

Accepted Answer

Saratoga Springs's median price has decreased 2.3% month-over-month. Current median: $490,000. Days on market have increased by 25.0% month-over-month. Homes are selling at 98.9% of list price on average. Monitor these trends to time your offer strategically.

Question 45

Is 896 BANNER, Saratoga Springs overpriced or underpriced?

Accepted Answer

Propaired's AI classifies this property as "Standard." The asking price is within 5% of the comparable median, indicating market-appropriate pricing. Deal score: 23/100. Always confirm with a local real estate professional who can provide a comparative market analysis.

Question 46

What school district is 896 BANNER, Saratoga Springs in?

Accepted Answer

This property is in the Alpine school district. Assigned elementary: Thunder Ridge. Assigned middle: Vista Heights Middle School. 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 47

What parks are near 896 BANNER, Saratoga Springs?

Accepted Answer

The nearest local park is Park (0.4 miles away). The nearest state park is Flight Park State Recreation Area (6.2 miles).  Parks and green spaces contribute to quality of life and are a positive factor for property values.

Question 48

Is there a golf course near 896 BANNER, Saratoga Springs?

Accepted Answer

The nearest golf course is The Ranches Golf Club, 0.8 miles from the property. Utah has over 80 golf courses statewide with a season running from March through November in most areas. Close proximity to a golf course is a desirable feature that can enhance property value.

Question 49

What water activities are near 896 BANNER, Saratoga Springs?

Accepted Answer

Water recreation near this property includes: Utah Lake (14.3 mi); boat ramp at Saratoga Springs (3.3 mi).  Utah offers diverse water recreation from mountain reservoirs to desert lakes. Popular activities include boating, kayaking, paddle boarding, and fishing — a Utah fishing license is required for anglers.

Question 50

Is 896 BANNER, Saratoga Springs move-in ready?

Accepted Answer

As new construction, this home is expected to be move-in ready with modern finishes and warranties. A professional home inspection is always recommended before purchase to identify any needed repairs.

Question 51

Does 896 BANNER, Saratoga Springs come with a home warranty?

Accepted Answer

Yes, a home warranty is included with this property. Home warranties typically cover major systems (HVAC, plumbing, electrical) and appliances for one year, providing peace of mind for buyers. Review the warranty terms to understand coverage limits and deductibles.

Question 52

What is the lot like at 896 BANNER, Saratoga Springs?

Accepted Answer

The lot is 0.11 acres. Lot features: Curb & Gutter,Road: Paved,Sidewalks,Sprinkler: Auto-Part. Terrain: Curb & Gutter, Road: Paved, Sidewalks, Sprinkler: Auto-Part.   Lot characteristics affect usability, privacy, and future improvement potential.

Question 53

What utilities are available at 896 BANNER, Saratoga Springs?

Accepted Answer

Available utilities include: Natural Gas Connected,Electricity Connected,Sewer Connected,Water Connected. Water source: Culinary. Sewer: Sewer: Connected. 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.

Question 54

Does 896 BANNER, Saratoga Springs have natural gas?

Accepted Answer

Yes, this property has natural gas service — the heating system is listed as: Gas: Central,>= 95% efficiency. Natural gas is the most common and cost-effective heating fuel in Utah, typically 30-50% less expensive than electric heating. The cooling system (Central Air) operates separately. Natural gas availability also supports gas ranges, water heaters, and fireplaces.

Question 55

Is there EV charging near 896 BANNER, Saratoga Springs?

Accepted Answer

The nearest EV charging station is ChargePoint Charging Station, approximately 1.5 miles from the property. With a 2-car garage, installing a home Level 2 EV charger is straightforward — most installations cost $500-$2,000 including the charger. Utah offers a growing EV charging network along major corridors and in urban centers. Convenient public charging is available nearby for supplemental needs.

896 BANNER, Saratoga Springs, UT 84045

896 N BANNER DR #629, Saratoga Springs, UT 84045

About This Property

Features & Amenities

Property Info

Financial

Structure & Systems

Parking

Schools

Property Intelligence

Recreation & Amenities

All Property Details

Saratoga Springs Market Context

Crime & Safety

Location

Connect with a Buyer's Agent

Similar Homes

$702,900

$652,900

$673,900

$667,900

$656,900

Find Your Dream Home

Frequently Asked Questions

Discover