81 Rodgers Lane, Saratoga Springs, NY, 12866
About This Home
Perfectly positioned just across from the shores of Saratoga Lake, this exceptional duplex offers a rare blend of flexibility, sophistication, and income potential. The upper residence spans two thoughtfully designed levels, featuring 3 bedrooms, 2 full baths, and expansive living spaces ideal for full-time living, seasonal enjoyment, or premium rental opportunities. The lower level presents a private in-law style suite complete with its own living area, kitchenette, bedroom, and full bath--perfect for guests, extended family, or additional income. Both residences are enhanced by open-concept layouts, quality finishes, and timeless character throughout. Set in a highly desirable location with strong rental appeal, this property offers an outstanding opportunity for investors or those seeking a refined lifestyle near the lake.
Getting Around
Car-Dependent
No Nearby Transit
Not Bike FriendlySchools
Construction
Condition
- Year built: 1987
Materials
- Foundation: Block
- Roof: Rubber,Asphalt
- Construction materials: Vinyl Siding
Type & Style
- Home type: MultiFamily
- Architectural style: Other
- Property subType: Duplex,Multi Family
Interior
Basement
- Has basement: Yes
- Basement: Apartment,Exterior Entry,Finished,Walk-Out Access
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 3
Features
- Vaulted Ceiling(s),Walk-In Closet(s)
- Flooring: Tile,Hardwood,Laminate
- Finished area below ground: 600
- Finished area above ground: 2,400
Heating & Cooling
- Heating features: Baseboard,Ductless
- Cooling features: Ductless
Interior Area
- Total structure area: 2,400
- Total interior livable area: 2,400 sqft
Property
Details
- Parcel number: 415089 206.6113
- Attached to another structure: Yes
- Special condition: Standard
Features
- Exterior features: Other
- On waterfront: Yes
- Waterfront features: Lake/River Across Rd,Other
- Waterbody name: Saratoga Lake
Lot
- Lot size: 5,227 sqft
Parking
- Total spaces: 5
- Parking features: Garage
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
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
- Cold Wave
- Ice Storm
- Lightning
- Strong Wind
How This Home’s Risks Compare
FEMA Declared Disasters in Saratoga County and New York
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $5,243 | $62,916 |
| Home Insurance * | $264 | $3,168 |
| Property Taxes | $1,097 | $13,164 |
| Electricity | $396 | $4,759 |
| Total | $7,000 | $84,000 |
Income You'd Need if You Spent...
New York FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-14 | Listed for sale | $1,049,900 |
| 2025-11-08 | Listing removed | $959,900 |
| 2025-10-14 | Price change | $959,900 |
| 2025-09-29 | Price change | $979,900 |
| 2025-09-10 | Price change | $999,900 |
| 2025-09-03 | Price change | $1,025,000 |
| 2025-08-18 | Listed for sale | $1,049,500 |
| 2023-07-09 | Listing removed | -- |
| 2023-06-29 | Price change | $899,900 |
| 2023-06-22 | Listed for sale | $935,000 |
| 2023-05-25 | Sold | $835,000 |
| 2023-04-18 | Pending sale | $875,000 |
| 2023-04-11 | Listed for sale | $875,000 |
| 2023-03-30 | Listing removed | -- |
| 2023-03-16 | Listed for sale | $849,999 |
| 2018-10-17 | Sold | $209,090 |
| 2010-02-26 | Listing removed | $269,900 |
| 2009-12-23 | Listed for sale | $269,900 |
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