Under contract MLS# 2182979 · 53 days on the market
$500,000
It starts with a call with an agent.
98 N Bear River Rd #140, Saratoga Springs, UT 84045
About this home
One of this home's biggest advantages is its existing 30-year FHA mortgage at 3.99% fixed! Instead of financing the entire purchase with a new loan, a qualified buyer may be able to take over the seller's current mortgage and bring approximately $20,000 to cover the difference between the purchase price and remaining loan balance, plus closing costs. Built in 2026, this four-bedroom, 2.5-bath Selma plan offers 1,938 square feet and a distinctive two-level layout. The kitchen, dining area, and great room come together in a bright, connected living space centered around a generous eat-around island. Large windows bring in abundant natural light to enjoy the surrounding mountain views. All four bedrooms and the laundry are also upstairs, including a spacious primary suite with a walk-in closet and spa-style shower. The washer and dryer are included, and a radon mitigation system has already been installed It comes with a 5 year warrenty. Additional highlights include an attached two-car garage, a fully fenced yard, central air, and a welcoming covered front porch. The Backyard should be finished in the next two weeks or so. Wander amenities include a community pool, playgrounds, biking and hiking trails, and snow removal. The mortgage takeover is subject to lender approval, buyer qualification, the final loan balance, and applicable terms. Buyer to verify all information.
Written by the listing agent.
Location
The neighbourhood: Wander
101 for sale · $299.99K–$599.99K asking prices
The market in Saratoga Springs today
$500,000 is 13% below the median asking price in Saratoga Springs.
At $258 per sqft it asks 25% more than the median in the city.
40% of the listings for sale have lowered their price at least once.
From the listings for sale, as of October 26, 2026. Asking prices only: Utah does not make sold prices public.
Living in Saratoga Springs
Saratoga Springs is a city in Utah County along the northwestern shores of Utah Lake, incorporated in 1997 and growing rapidly since the early 2000s. The city runs over eleven miles north to south between the lake and the foothills of the Lake Mountains.
- 37,696 residents (2020)
- 6 named trails
- 69 named parks
Monthly payment
- Principal & interest
- $2,771
- Home insurance
- $110
- HOA
- $210
10% down ($50,000), 30-year fixed at 6.25%. Tax from the MLS record; insurance is an estimate. Not a loan offer.
Details
- Style
- Stories: 2
- Garage
- 2 cars
- Basement
- Slab
- Lot
- 0.07 acres
- HOA
- $210/mo
- Subdivision
- WANDER
See all 20 details
- Stories
- 2
- Rooms
- 11
- Parking
- Attached, Opener
- Heating
- Forced Air, Gas: Central
- Cooling
- Central Air
- Flooring
- Carpet, Laminate
- Roof
- Asphalt, Composition
- Construction
- Asphalt, Stone, Stucco
- Water
- Culinary
- Sewer
- Sewer: Connected
- Effective year built
- 2026
- County
- Utah
- Zoning
- Single-Family
- Terms
- Assumable, Cash, Conventional, FHA, VA Loan
- Bath: Primary
- Closet: Walk-In
- Den/Office
- Disposal
- Great Room
- Range/Oven: Free Stdng.
- Balcony
- Double Pane Windows
- Entry (Foyer)
- Lighting
See all 27 features
Interior
- Bath: Primary
- Closet: Walk-In
- Den/Office
- Disposal
- Great Room
- Range/Oven: Free Stdng.
Exterior
- Balcony
- Double Pane Windows
- Entry (Foyer)
- Lighting
- Porch: Open
Lot features
- Fenced: Full
- Road: Paved
- Sidewalks
- Sprinkler: Auto-Part
- View: Mountain
View
- Mountain(s)
Community amenities
- Biking Trails
- Hiking Trails
- Pets Permitted
- Playground
- Pool
- Snow Removal
Utilities
- Natural Gas Connected
- Electricity Connected
- Sewer Connected
- Water Connected
Schools
Assigned schools as reported to the MLS by the listing agent. Boundaries change; confirm enrollment with the district. · Alpine
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Listing courtesy of KW WESTFIELD / Cassandra M Wilson. Based on information from UtahRealEstate.com as of 10/6/2026 3:54 PM. All data, including all measurements and calculations of area, is obtained from various sources and has not been, and will not be, verified by broker or the MLS. All information should be independently reviewed and verified for accuracy.