Saratoga Springs, NY 12866 · Saratoga County

This three-bedroom, two-bath home in Saratoga Springs sits elevated overlooking Saratoga Lake, with deeded water access across the road for kayaking and paddleboarding. The 1,196 square foot residence, built in 1990 and recently updated, features a finished basement with walkout access, open living spaces with lake views, a kitchen with granite counters and stainless steel appliances, and separate entrances offering flexible configurations. Recent upgrades include new ductless heat pump and AC mini-splits, water heater, siding, windows, and roof. Located in the Stillwater school district minutes from South Shore Marina and Brown's Beach, this property combines proximity to Saratoga Springs' downtown arts scene and cultural events with lakeside living.
OPEN HOUSE Sunday, September 13, 11am-1pm! Welcome to this beautifully updated 3-bed + office, 2 full bath home overlooking Saratoga Lake. Sitting elevated on a hill, this turnkey property has been meticulously cared for and features separate entrances on each floor, offering incredible versatility for multi-generational living, an income-producing guest suite, or a spacious single-family layout. 12' of deeded lake access across the road provides the perfect launch area for your kayak, canoe, or paddle board, along with beautiful lakeside views. Plus you're only minutes from the South Shore Marina and Brown's Beach. The finished basement has walkout access through french doors onto a large deck overlooking the lake. Inside you'll find a large recreation room perfect for entertaining, a full bath, storage room with laundry, and an enclosed office. The bar area has plumbing set up so you can even add a second kitchen. Upstairs, the light-filled, open-concept living space features a propane fireplace, large picture windows overlooking the lake, skylights, and an updated kitchen complete with beautiful granite countertops and stainless steel appliances. The primary en-suite bedroom includes 2 closets and a full bath. Enjoy total peace of mind with extensive high-value updates: new ductless heat pump/AC mini-splits (2023), new water heater (2023), new siding and windows (2023), and a new roof (2019). See the homeowner info sheet for the complete list of improvements!
The price signals we can read on this listing today. For a true sense of value against recent Saratoga Springs 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 Saratoga Springs 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.
Saratoga Springs is in Saratoga County, NY. There are currently 190 active listings here, ranging from $14,000 to $6,700,000. Listings in this address fall under the Stillwater school district. Priced 40% below the Saratoga Springs median of $955,000.
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Howard Hanna Capital Inc · Listed by Nicole Pellegrini (35494)
Contact: 518-810-3642
MLS #202623127 · Source: Global MLS, Inc.
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Real numbers from current MLS data. Not a third-party estimate.





Activity across 2 MLS listings of this property.
Public assessment record for the Stillwater roll · Stillwater school district · One Family Year-Round Residence
| Year | Assessed value | Full market value | Change |
|---|---|---|---|
| 2025 | $230,000 | $386,555 | +5.9% |
| 2024 | $230,000 | $365,079 | +6.3% |
| 2023 | $230,000 | $343,284 | +13.4% |
| 2022 | $230,000 | $302,632 | +13.2% |
| 2021 | $230,000 | $267,442 |
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 2026-09-17. Zones are drawn by FEMA and can change; an elevation certificate governs insurance.