Waterford, NY 12188 · Saratoga County

This 1920 Waterford home sits on a generous 0.49-acre lot and offers substantial opportunity for the right buyer. The main house contains 4 bedrooms, an office, an enclosed porch, and an eat-in kitchen, with central air and forced air heat. The real value lies in the two detached garages: an 18-car structure housing a workshop with a vehicle lift, plus a second 2,850-square-foot garage ideal for storage or conversion. A generator serves the property, and the home is offered as-is. Located in the Shenendehowa school district with no HOA.
The value here is in the property. Large 84'X263'' lot with 2 garages. One 1470 sq. ft. complete with a lift perfect for the auto hobbyist to work on their toys. Large second floor that could easily be converted to living space or entertainment room. Second garage is 2850 sq. ft. perfect for storage or could be converted for any number of uses. The house is an older home that could use some tlc but has 4 BRs an office and enclosed porch. Come take a look. Property also has a generator that powers the first garage and the house. Property is an Estate and is being offered ''AS IS''.
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 comps41 facts pulled straight from the MLS listing.
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 20 active listings here, ranging from $35,000 to $1,100,000. Listings in this address fall under the Shenendehowa school district. Priced 55% above the Waterford median of $289,450.
See Sharon's Waterford community guideWho holds this listing, and where the data comes from.
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Howard Hanna Capital Inc · Listed by Bruce W Farmer (6139)
Contact: 518-322-9451
MLS #202623106 · 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 Halfmoon roll · Shenendehowa school district · One Family Year-Round Residence
| Year | Assessed value | Full market value | Change |
|---|---|---|---|
| 2025 | $100,000 | $268,456 | +6.7% |
| 2024 | $100,000 | $251,572 | +6.9% |
| 2023 | $100,000 | $235,294 | +11.8% |
| 2022 | $100,000 | $210,526 | +15.2% |
| 2021 | $100,000 | $182,815 |
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.