Is Bear Lakes membership required?

Not at all — and that's honestly one of the best things about this property. You get unobstructed views of a Jack Nicklaus-designed championship course right from your patio, with zero membership obligation. Bear Lakes Country Club membership is available if you want it, but it is never required. You're essentially getting front-row seats to a private golf course without paying for the ticket.

Tell me about the roof.

Brand new in 2025 — and done right. This wasn't a patch job or a layer-over. Full tear-off: stripped all the way down to bare wood, new roof decking installed throughout, then standing-seam metal on top. Metal roofs in South Florida are the gold standard — they handle hurricane season better than shingles, last significantly longer, and tend to lower insurance premiums. That's a box most buyers have to negotiate around. Here, it's already checked.

Tell me about the hurricane impact windows and doors.

Every window in this home is Max Guard double-paned insulated hurricane impact-rated glass. All four sliding glass doors across the back are Max Guard impact-rated as well. This is a whole-house installation — not a partial upgrade. Double-paned insulated impact glass gives you three things at once: hurricane protection, serious noise reduction, and energy efficiency. The practical benefits are real: lower homeowner's insurance premiums, no shutters to install or store, and genuine peace of mind during storm season. And there's a less obvious benefit worth calling out — the combination of Max Guard impact glass and the golf course's natural buffer means you genuinely cannot hear I-95 from inside this home. That's not marketing copy. It's just quiet.

What's the generator situation?

There's a Ryobi 6500-watt generator included in the sale — 6,500 running watts, 8,125 starting watts. That's enough to run the AC, refrigerator, lights, and most of what matters during a power outage. In South Florida, a generator isn't a luxury, it's infrastructure. The fact that it's already there and included in the sale is a genuinely meaningful thing.

What appliances are included?

Everything stays. Refrigerator, washer, dryer, dishwasher, wine refrigerator — all included in the sale. The Tesla Wall Connector EV charger in the garage is included too. Basically, you're moving in, not outfitting a house.

What's included in the HOA fee?

The $517/month HOA covers quite a bit. You're getting access to the community pool, tennis courts, basketball courts, racquetball, playgrounds, and scenic jogging trails. It also includes front yard and common space landscaping, so the neighborhood always looks sharp without any effort on your part. And it covers sewer, water, and trash — utilities that add up fast elsewhere. For a gated community with this level of amenity and a golf course out back, it's genuinely reasonable for West Palm Beach.

What are the current property taxes?

The current owner's annual tax assessment is $6,220, which reflects Florida's Save Our Homes cap on a long-held homesteaded property. A new buyer's assessed value will reset near the purchase price in the first year. However, Gov. DeSantis unveiled a proposal in May 2026 to raise the homestead exemption from $50,000 to $250,000 — and eventually $500,000. If passed and approved by Florida voters on the November 2026 ballot, a buyer of this home could save roughly $3,500–$4,000 per year in property taxes under Phase 1 alone. Buyers should consult a tax professional for personalized estimates.

What financing options are accepted?

The sellers accept cash, conventional, FHA, and VA loan financing. There are no unusual restrictions on loan type — if you're pre-approved and ready to move, we can work with your lender.

Home Features & Upgrades | 2390 Saratoga Bay Drive

The View

This is the feature that cannot be replicated: the home backs directly to the 5th hole of The Lakes Course at Bear Lakes Country Club, designed by Jack Nicklaus and Davis Love III. The property sits just off the 5th tee-box. From the patio and Florida room, you look out over the fairway framed by palm trees and tropical landscaping. A low iron fence lines the back of the patio. No rear neighbors — just the golf course.

Bear Lakes Country Club membership is optional and never required for residents of Saratoga Bay. ?

Major Upgrades

Five major upgrades separate this home from a typical resale: a full 2025 roof replacement, whole-house hurricane impact glass, a Tesla EV charger, a whole-house generator, and whole-house motorized blinds.

New Metal Roof (2025) ? — Full tear-off replacement: new roof decking (plywood sheathing) installed throughout, then new metal on top. The biggest single negotiation point in any South Florida sale is no longer a factor — nothing to fix, nothing to credit, nothing to inspect.
Hurricane Impact Windows & Doors — Throughout ? — Every window is Max Guard double-paned insulated hurricane impact-rated glass; all four sliding glass doors across the back of the home are Max Guard impact-rated as well. This is a whole-house installation, not a partial upgrade. Benefits: lower homeowner's insurance premiums, no shutters to install or store, and — because the impact glass pairs with the golf course's natural buffer — you cannot hear I-95 from inside the home.
Tesla EV Charger — Installed and included in the sale. Ready for the car you have or the one you're planning to get.
Gas Generator ? — Included, and sized to run most everything in the house. In South Florida, this isn't a luxury; it's infrastructure.
Hunter Douglas Motorized Blinds — Whole House — Every window has Hunter Douglas remote-controlled blinds with controllers included. The system connects to a hub for full iPhone automation — set schedules, scenes, or control individual rooms from your phone.

Kitchen

The kitchen is updated and thoughtfully designed:

Rich wood cabinetry with onyx countertops
Vaulted ceiling with arched accent window
Eat-in kitchen layout
Opens to the dining area and Florida room beyond
Dimensions: 20 × 9

Primary Suite

Spacious and private — split floor plan keeps the primary suite away from the guest bedrooms
Custom built-ins — built-in storage and display
Walk-in closet
Updated en-suite bath — soaking tub, separate shower, double vanity, and updated finishes
Dimensions: 18 × 12

Florida Room

The enclosed, air-conditioned Florida room is not an add-on — it is integrated into the main living area. Impact-rated sliding glass doors open directly to the recently paved patio and the golf course view beyond. This is where you will spend your mornings.

Dimensions: 25 × 10

Living & Dining Areas

Living room: 27 × 18 — generous proportions with vaulted ceilings
Dining room: 11 × 10 — opens to kitchen and living area
Cathedral and vaulted ceilings throughout main living areas
French doors
Ceramic tile and laminate flooring throughout

Additional Interior Features

Central vacuum system
Built-in features throughout
Laundry room — full laundry tub, washer/dryer hookups, inside the home

Guest Bedrooms

Bedroom 2: 13 × 11
Bedroom 3: 12 × 11
Both on the opposite side of the floor plan from the primary suite

Garage

The two-car garage floor was resurfaced with an epoxy and paint chip finish — the kind of upgrade that looks sharp and holds up. Clean, durable, and a cut above the standard poured slab you find in most homes in this price range.

The garage also houses the Tesla EV charger and the whole-house gas generator hookup.

Epoxy paint chip garage floor

All Appliances Included

Everything stays: ?

Refrigerator
Electric range + microwave
Dishwasher
Disposal
Washer & Dryer
Wine refrigerator
Electric water heater

Community Amenities (HOA)

The $517/month HOA covers significantly more than just security and landscaping. ? Saratoga Bay is part of The Villages of Palm Beach Lakes master association, which operates three separate recreation centers available to all residents:

Multiple pools
Tennis courts
Basketball courts
Racquetball courts
Playgrounds
Picnic areas
Jogging trails and walking paths
Sidewalks throughout the community
Common area maintenance, grounds, sewer, security, trash, and water

Pets are welcome (number limit applies per HOA rules).

Property Details

The table below covers every core spec for 2390 Saratoga Bay Drive, from construction type to HOA inclusions.

Feature	Detail
Bedrooms	3 (all main level)
Bathrooms	2 full (both main level)
Living Area	2,271 sq ft
Total Structure Area	2,789 sq ft
Lot Size	6,102 sq ft
Year Built	1987
Stories	1
Construction	CBS — Concrete Block Structure, concrete and stucco
Roof	New metal roof — 2025 (full tear-off, new decking)
Windows	Hurricane impact-rated throughout
Garage	Attached 2-car with opener
Parking	2-car garage + driveway
Heating	Central electric
Cooling	Central air + ceiling fans
HOA	$517 / month
HOA Includes	Pool, tennis, trails, picnic area, security, water, sewer, trash
Community	Saratoga Bay (Gated)
Security	Gated community + owned security system
Golf Course	The Lakes Course at Bear Lakes CC (Nicklaus / Love III)
Membership	Optional — never required
Annual Taxes	$6,220 (current owner's assessment — see note below) ?
Zoning	RPD(ci)
Listing Terms	Cash, Conventional, FHA, VA Loan ?

Florida Property Taxes & What's Changing

Florida's Save Our Homes cap limits annual property tax assessment increases to 3% for homesteaded properties — which means the $6,220 figure above reflects the current owner's long-held assessed value, not current market value. A new buyer's assessed value will reset to near the purchase price in the first year, which will increase the tax liability accordingly.

However, Gov. DeSantis unveiled a proposal in May 2026 that would significantly change this picture for new homeowners:

Phase 1: Increase the homestead exemption from $50,000 to $250,000
Phase 2: Raise the exemption to $500,000 over time

At Palm Beach County's effective millage rate, the Phase 1 exemption alone could save a buyer of this home roughly $3,500–$4,000 per year versus the current $50,000 exemption.

The proposal must pass three-fifths of both legislative chambers before going to Florida voters — potentially on the November 2026 ballot.

Calculate your estimated savings at the official Save Our Homes calculator (enter the property address). Buyers should consult with a tax professional for personalized estimates.

Included in Sale

Tesla EV charger
Gas generator (sized to run most everything in the house)
All appliances (see list above)
Wine refrigerator

Also listed on: Zillow • Redfin • Realtor.com

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