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89 Old Canal Rd, Clifton Park, NY, 12065

5beds
3baths
3,200sqft
$525,000
$164price/sqft
$3,869/moest. monthly cost
$154,760/yrincome needed

About This Home

Mohawk River Country acre, 89 A&B Old Canal Rd, Saratoga County, Shen schools, 3BR, 2BA 3200sqft architect design River Home with 900sqft 2BR, 1BA rented Guest House. 2 car attached garage & extra parking area. Solarium 7'4" with 13 extremely large Anderson windows with view of the Mohawk River frames main house. Each of the bedrooms opens into solarium, Peachtree doors provide privacy. Full basement 26'x34', 13'x34' finished den. New roofs, siding, granite countertops, hardwood red oak floors, oil/hot water boiler. Anderson windows thoughout. insulated walls with 36"-48" attic insulation. Vermont Castings wood stove fireplace heats main house. 10'x20' shed, 10'x20' screened gazebo along Mohawk River. Docks. Beautiful landscaping, very private & quiet fenced in yard. Visit www.youtube.com 89 Old Canal Road for aerial view of property. Call 518-925-9733, 518-522-2645, appointment only.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

7/10
Okte Elementary SchoolGrades K-52.0 mi
8/10
Acadia Middle SchoolGrades 6-84.9 mi
8/10
Shenendehowa High SchoolGrades 9-124.4 mi

Construction

Condition

  • Year built: 1987

Materials

  • Roof: Asphalt

Type & Style

  • Home type: Unknown

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range / Oven,Refrigerator,Washer

Basement

  • Basement: Partially finished

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Flooring: Carpet,Hardwood,Linoleum / Vinyl
  • Fireplace: Yes

Interior Area

  • Total interior livable area: 3,200 sqft

Property

Features

  • Exterior features: Vinyl,Brick
  • Has view: Yes
  • View description: Park,Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes

Lot

  • Lot size: 0.88 Acres

Parking

  • Total spaces: 10
  • Parking features: Garage - Attached,Off-street

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningModerate

How This Home’s Risks Compare

Lightning

FEMA Declared Disasters in Saratoga County and New York

Flood
Severe Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,654$31,848
Home Insurance *$132$1,584
Property Taxes $555$6,660
Electricity $528$6,345
Total$3,869$46,428
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$132,651/yr
40% on housing$116,070/yr
45% on housing$103,173/yr

New York FAIR Plan Programs

New York Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 20,669Commercial: 1,556
Total Premiums$32.27M
Total Exposure$7.63B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: -6.7%
-6.7%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -2.4%
-2.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$164This listing

vs Other Active Listings

Avg $/sqft

ZIP 12065$252
Saratoga County$303

vs Homes Sold Last Month

Median $/sqft

ZIP 12065$250
Saratoga County$264

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2025-06-06Listed for sale$525,000
2024-08-08Listing removed--
2024-05-01Listed for sale$534,900
2023-12-01Listing removed--
2023-08-24Listed for sale$534,900
2023-08-24Listing removed--
2023-07-13Price change$534,900
2023-05-17Listed for sale$539,900
2023-05-16Listing removed--
2023-04-29Price change$539,900
2023-02-15Listed for sale$549,900
2023-02-13Listing removed--
2023-01-01Listed for sale$525,000
2022-10-13Listing removed--
2022-07-15Pending sale$525,000
2022-06-21Listed for sale$525,000

For Sale by Owner

AgentProperty Owner

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