Waterford, NY 12188 · Saratoga County

This duplex in Waterford comprises a one-bedroom, one-bath unit and a two-story two-bedroom, one-bath unit across 2,044 square feet on a 0.14-acre lot. Built in 1900, the property has received recent updates including a 2019 roof, 2018 furnace, new windows in the upper unit, and vinyl flooring with original hardwood beneath. The home features central air, forced air heat, natural gas service, and a fully fenced yard with driveway access. Located in the Waterford Central school district with no homeowners association fees, this investment property is suited for landlords seeking dual-unit income potential.
Charming two family nestled in the Town of Waterford waiting for its next investor! This property consists of a 1BED/1BATH unit as well as a two story 2BED/1BATH unit. Recent upgrades throughout include newer roof (2019), new windows in upstairs unit, furnace (2018), vinyl flooring (hardwood underneath!) & more! Fully fenced in yard. Schedule your showing today to add to or start your portfolio!
The price signals we can read on this listing today. For a true sense of value against recent Waterford sales, Sharon will pull the comparable closings and walk you through them.
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The price signals we can read on this listing today. For a true sense of value against recent Waterford sales, Sharon will pull the comparable closings and walk you through them.
Curious whether this home is priced right for the neighborhood?
Ask Sharon for the compsTax 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.
Waterford is in Saratoga County, NY. There are currently 21 active listings here, ranging from $35,000 to $1,100,000. Listings in this address fall under the Waterford-Halfmoon school district. Priced 10% below the Waterford median of $299,900.
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Coldwell Banker Prime Properties · Listed by Paige Block (32864)
Contact: 518-227-6822
MLS #202623500 · Source: Global MLS, Inc.
IDX information is provided exclusively for consumers' personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and that the data is deemed reliable but is not guaranteed accurate by the MLS. Sharon Fronk Real Estate is committed to compliance with the Fair Housing Act and provides equal opportunity in housing.
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 | $138,000 | $200,000 | +8.7% |
| 2024 | $138,000 | $184,000 | +6.7% |
| 2023 | $138,000 | $172,500 | +5.0% |
| 2022 | $138,000 | $164,286 | +10.7% |
| 2021 | $138,000 | $148,387 |
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 2026-09-18. Zones are drawn by FEMA and can change; an elevation certificate governs insurance.