Saratoga, NY 12866 · Saratoga County

This three-bedroom, 2.5-bath home on Saratoga Lake offers waterfront living with views across the property and from multiple vantage points, including a primary suite balcony and wraparound deck. Built in 1993 and expanded to 2,236 square feet, the residence features an eat-in kitchen with island, formal dining room, and living room with fireplace, all positioned to capture lake scenery. Systems include central air, forced-air heating, central vacuum, whole-house generator, and a roof replaced roughly a decade ago. Located in the Stillwater Central school district, the home sits minutes from downtown Saratoga amenities and a public boat launch, with no HOA and a two-car attached garage.
Enjoy spectacular water views and some of the most gorgeous sunsets from both inside and outside this beautiful home. The private primary bedroom balcony is truly special, with views that make you feel as though you are sitting right on top of Saratoga Lake. Start your morning there with coffee, unwind at the end of the day with a sunset, or take in the scenery from the expansive wraparound deck. Inside, the home offers 3 sizable bedrooms and 2.5 updated bathrooms. The spacious kitchen opens to a dining area, creating a wonderful space for everyday living and entertaining. For more formal gatherings, the separate dining room offers a beautiful setting with tranquil lake views. The oversized living room features a wood-burning fireplace and plenty of space to relax while taking in the water scenery through the windows. Additional highlights include central air, public sewer, a whole-house generator, beautiful perennial gardens a two-car garage, and newer water filtration system. The roof is only about 10 years old. Located just about 10 minutes from all that downtown Saratoga has to offer, and a public boat launch only minutes away, this is an incredible opportunity to enjoy the beauty of Saratoga Lake and the lifestyle that comes with it.
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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 35% below the Saratoga median of $1,066,000.
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Kellie Kieley Realty LLC · Listed by Kellie A Kieley (20676)
Contact: 518-225-0454
MLS #202625728 · Source: Global MLS, Inc.
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Real numbers from current MLS data. Not a third-party estimate.





Activity across 2 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 | $316,800 | $528,000 | +9.2% |
| 2024 | $316,800 | $483,664 | +4.6% |
| 2023 | $316,800 | $462,482 | +15.3% |
| 2022 | $316,800 | $401,013 | +13.9% |
| 2021 | $316,800 | $352,000 |
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 2026-09-09. Zones are drawn by FEMA and can change; an elevation certificate governs insurance.