Waterford, NY 12188 · Saratoga County

This duplex in Waterford's Northside sits on a double lot outside the flood zone, offering two units each with separate utilities and private rear entrances. Built in 1900 and spanning 1,980 square feet, the property includes a two-car garage, shed, laundry hookups, replacement windows, and enclosed porches on both units. Off-street parking and ample yard space complement the setup, which has historically drawn long-term tenants. The property is in the Waterford Central school district and carries no HOA fees.
Well Maintained 2- Family on a Double Lot in the Northside area of Waterford (NOT Flood Zone.). This Property has always been Occupied with Long Term Tenants in a Great Neighborhood. It includes a 2-Car Garage, Large Shed/Workshop, Separate Utilities, Replacement Windows ,Laundry Hook-ups, New Pressure Treated Porches, Small Patio and Good Size Yard. Each Flat has its own Private Entrance in the rear with an Enclosed Porch and Plenty of Storage. Popular Off Street Parking and Garage Options.
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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 22 active listings here, ranging from $35,000 to $1,100,000. Listings in this address fall under the Waterford-Halfmoon school district. Priced near the area median of $289,900.
See Sharon's Waterford community guideSharon represents buyers for this property. Your tour, offer, and inquiries go through her, not the listing brokerage.
Brian Neary Realty · Listed by Brian T Neary (24656)
Contact: 518-573-4287
MLS #202625798 · 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 | $152,000 | $220,290 | +8.7% |
| 2024 | $152,000 | $202,667 | +6.7% |
| 2023 | $152,000 | $190,000 | +5.0% |
| 2022 | $152,000 | $180,952 | +10.7% |
| 2021 | $152,000 | $163,441 |
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 2026-09-10. Zones are drawn by FEMA and can change; an elevation certificate governs insurance.