Sold · listed at $439,900
Waterford, NY 12188 · Saratoga County

This 1860-built home in downtown Waterford has been comprehensively renovated throughout. The 2,400-square-foot residence offers three bedrooms, 2.5 bathrooms, and an open floor plan with a kitchen island and eat-in kitchen, plus the potential to add a fourth bedroom. Recent major updates include new roof, siding, windows, electrical panel, plumbing, HVAC system with high-efficiency heating, hot water tank, kitchen, bathrooms, vinyl flooring, and deck. The home is located minutes from Waterford amenities and sits in the Waterford Central school district with no HOA fees.
This property has undergone a spectacular top-to-bottom renovation, combining sophisticated style with total peace of mind. Every single inch has been tastefully reimagined, offering the luxury and crisp feel of a brand-new home without the wait! Experience modern living at its finest with a bright, open-concept floor plan perfect for entertaining. The home boasts spacious, oversized bedrooms, plus a versatile layout with the flexibility to easily create a fourth bedroom. Major updates include new windows, crisp new siding, and a 3-year-young roof, fully updated electric with a 200+ amp panel, new plumbing, new HVAC with a year old high-efficiency heating system, a new hot water tank, a gorgeous new kitchen, fully modernized new bathrooms, beautiful vinyl flooring, new electric fireplace, new trex deck off the back with a new sliding door, new framing and so much more! Located in the charming town of Waterford, you're just minutes from local amenities and easy commutes. Skip the builder delays! This pristine, turnkey masterpiece is awaiting its new owner today!
22 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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Gabler Realty LLC · Listed by Michaela Norris (34196)
Contact: 518-944-3909
MLS #202621271 · Source: Global MLS, Inc.
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Real numbers from current MLS data. Not a third-party estimate.





Activity across 3 MLS listings of this property.
Public assessment record for the Waterford roll · Waterford-Halfmoon school district · One Family Year-Round Residence
| Year | Assessed value | Full market value | Change |
|---|---|---|---|
| 2025 | $150,000 | $217,391 | +8.7% |
| 2024 | $150,000 | $200,000 | +6.7% |
| 2023 | $150,000 | $187,500 | +5.0% |
| 2022 | $150,000 | $178,571 | +10.7% |
| 2021 | $150,000 | $161,290 |
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.