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37 Clark Street APT 4, Saratoga Springs, NY, 12866

3beds
2baths
1,300sqft
$699,900
$538price/sqft
$4,703/moest. monthly cost
$188,120/yrincome needed

About This Home

This beautifully updated condo conversion is stunning in every way. Brand new kitchen and updated baths are huge plusses as well as the downtown locations being perfect. Walk to Congress Park and the famed Saratoga Race Course, as well as shopping and eateries from this coveted spot. Gorgeous hardwood and ceramic tile floors are highlighted by soaring ceilings and skylights. The primary bedroom is on the first floor and there are two additional bedrooms and a full bath on the second. A covered parking spot in the garage is so needed in the great Northeast and this unit has one!

Getting Around

87
WalkingVery Walkable
31
TransitSome Transit
53
BikeBikeable

Schools

7/10
8/10
8/10

Construction

Condition

  • Year built: 1988

Materials

  • Foundation: Slab
  • Roof: Asphalt
  • Construction materials: Wood Siding

Type & Style

  • Home type: Condo
  • Property subType: Condominium,Residential

Interior

Appliances

  • Appliances included: Dishwasher,Range,Refrigerator,Washer/Dryer
  • Laundry features: Upper Level

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: First

Features

  • Built-in Features,Ceramic Tile Bath
  • Flooring: Wood,Ceramic Tile
  • Number of fireplaces: 1
  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,300

Heating & Cooling

  • Heating features: Baseboard,Electric,Forced Air,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,300
  • Total interior livable area: 1,300 sqft

Kitchen

  • Level: First

Laundry

  • Level: Second

Living Room

  • Level: First

Primary Bedroom

  • Level: First

Property

Details

  • Parcel number: 411501 165.7644
  • Special condition: Standard

Features

  • Exterior features: Lighting
  • Has view: Yes
  • View description: Downtown

Lot

  • Lot size: 435.60 sqft

Parking

  • Total spaces: 1
  • Parking features: Paved,Heated Garage,Driveway
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: Yes

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

  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm

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 $3,539$42,468
Home Insurance *$178$2,136
Property Taxes $740$8,880
Electricity $246$2,954
Total$4,703$56,436
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$161,245/yr
40% on housing$141,090/yr
45% on housing$125,413/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

$538This listing

vs Other Active Listings

Avg $/sqft

ZIP 12866$448
Saratoga County$302

vs Homes Sold Last Month

Median $/sqft

ZIP 12866$330
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)

Price History

DateEventPrice
2026-08-17Price change$679,900
2026-06-08Listed for sale$699,900
2019-10-11Sold$390,000
2019-08-07Pending sale$409,000
2019-08-06Listed for sale$409,000
2019-08-06Pending sale$409,000
2019-07-06Price change$409,000
2019-06-15Price change$429,000
2019-05-01Price change$439,000
2019-04-08Price change$455,000
2019-03-04Price change$469,000
2019-01-28Price change$485,000
2019-01-05Price change$495,000
2018-11-05Listed for sale$505,000

For Sale by Agent

AgentMargaret L Minehan
BrokerageRoohan Realty

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