Saratoga, NY 12866 · Saratoga County

This two-bedroom, one-bath home sits on Saratoga Lake with 100 feet of private waterfront and deeded lake access. Built in 1996, the 1,139-square-foot residence includes a full basement, hardwood flooring, and a kitchen with solid surface counters and built-in features. The property offers a one-car garage, a large private deck, and direct lake views, all within the Stillwater Central school district and minutes from Saratoga Springs amenities. No homeowners association fees apply.
Rare opportunity to own private lakefront property on Saratoga Lake! This charming home offers an open custom kitchen featuring quartz countertops and stainless-steel appliances, creating a welcoming space for everyday living and entertaining. Solid oak floors add warmth and character throughout. Step outside to the large, private deck and enjoy your own peaceful lakefront setting. Situated on a 100' x 100' lot, this property offers a unique combination of privacy, outdoor space, and private frontage on one of the area's most desirable lakes. A truly special opportunity to enjoy Saratoga Lake living!
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Tax estimated at the Saratoga County rate. Insurance and PMI are estimates. Sharon can connect you with a lender for real numbers.
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The district this address is assigned to. Ratings and reviews are hosted on GreatSchools.
Assigned districts can change and are not guaranteed. Confirm enrollment boundaries with the district directly before relying on them.
Saratoga is in Saratoga County, NY. There are currently 14 active listings here, ranging from $115,000 to $5,350,000. Listings in this address fall under the Stillwater school district. Priced 32% below the Saratoga median of $1,066,000.
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Miranda Real Estate Group Inc · Listed by Darlene Zeh (9430)
Contact: 518-527-4026
MLS #202625625 · Source: Global MLS, Inc.
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Real numbers from current MLS data. Not a third-party estimate.





Activity across 5 MLS listings of this property.
Public assessment record for the Saratoga roll · Stillwater school district · One Family Year-Round Residence
| Year | Assessed value | Full market value | Change |
|---|---|---|---|
| 2025 | $289,300 | $482,167 | +9.2% |
| 2024 | $289,300 | $441,679 | +9.6% |
| 2023 | $276,100 | $403,066 | +15.3% |
| 2022 | $276,100 | $349,494 | +13.9% |
| 2021 | $276,100 | $306,778 |
Assessed and full market values come from the local assessor and lag the market; the tax bill is the assessed value times the town, county and school rates, which the seller’s disclosure will show. STAR and other exemptions are not reflected here.
Outside FEMA-mapped flood hazard areas
This point is not inside any Special Flood Hazard Area or moderate-risk zone on the current FEMA flood map. Flood insurance is optional here and usually inexpensive.
See the official FEMA flood map for this pointSource: FEMA National Flood Hazard Layer, checked 2026-09-08. Zones are drawn by FEMA and can change; an elevation certificate governs insurance.