Sold · listed at $399,000
Waterford, NY 12188 · Saratoga County
Great opportunity for owner occupied or investment property with this extremely well maintained Two Family home with updates galore! The spacious first floor unit features 3 bedrooms, including a primary suite with a private full bath, plus an additional full bath, a gorgeous granite kitchen, large living room, formal dining room and in unit washer/dryer, along with a flexible dining area/office space-ideal for comfortable everyday living. The second floor unit has been beautifully remodeled in 2026 with all new flooring, kitchen cabinetry, counters, full bath and freshly painted throughout. This unit also has 3 bedrooms, plus washer/dryer hook ups. Notable updates include washer/dryer 2025, dishwasher 2024, HW tank 2022, 2nd Fl electric heat 2022 and Roof 2009. A walk up attic provides excellent storage, while the front porch and back deck overlook a large, flat landscaped lot with shed. Ample off street parking and separate utilities complete this home. A strong addition to any portfolio or a smart opportunity to live in one unit while generating income from the other!
23 facts pulled straight from the MLS listing.
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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.
Waterford is in Saratoga County, NY. There are currently 22 active listings here, ranging from $35,000 to $1,100,000. Listings in this address fall under the Waterford-Halfmoon school district.
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Howard Hanna Capital Inc · Listed by Kyle A Durni (24849)
Contact: 518-469-0526
MLS #202618500 · Source: Global MLS, Inc.
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Real numbers from current MLS data. Not a third-party estimate.





Every change captured by Global MLS since this listing went live.
Public assessment record for the Waterford roll · Waterford-Halfmoon school district · Two Family Year-Round Residence
| Year | Assessed value | Full market value | Change |
|---|---|---|---|
| 2025 | $255,000 | $369,565 | +8.7% |
| 2024 | $255,000 | $340,000 | +6.7% |
| 2023 | $255,000 | $318,750 | +5.0% |
| 2022 | $255,000 | $303,571 | +10.7% |
| 2021 | $255,000 | $274,194 |
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 2026-09-13. Zones are drawn by FEMA and can change; an elevation certificate governs insurance.