Waterford, NY 12188 · Saratoga County

This 1890 duplex in Waterford sits just off I-787 with convenient access to shopping, dining, and services. The 3-bedroom, 2-bath home spans 2,110 square feet across two units, each with its own kitchen and living space. Features include a gas fireplace, full basement, central air, and forced-air heating, plus a 2-car garage and rear carport for off-street parking. The property offers flexibility as either a single-family residence or a two-unit income investment, with no HOA fees.
Step into a home full of possibilities! This unique 3-bedroom, 2-bath property offers an ideal blend of comfort, flexibility, and investment potential in a fantastic location just off I-787 and close to everyday amenities. The first floor welcomes you with a beautiful custom living room featuring a gas fireplace, a spacious kitchen, laundry room, and bedroom. Upstairs, you'll find a bright, open living area with two additional bedrooms, an updated kitchen and bath, plus direct access to the back deck--perfect for relaxing or entertaining. The spacious 2-car garage and rear carport provide plenty of off-street parking and added convenience. Whether you're looking for a home to call your own with owner occupant potential or 2 unit investment, this property offers the space, location, and versatility to make it a smart opportunity.
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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.
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 8% below the Waterford median of $299,900.
See Sharon's Waterford community guideSharon represents buyers for this property. Your tour, offer, and inquiries go through her, not the listing brokerage.
KW Platform · Listed by Jordan Brustle (33545)
Contact: 518-308-5155
MLS #202625708 · 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 | $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 2026-09-09. Zones are drawn by FEMA and can change; an elevation certificate governs insurance.