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27 Kirby Road, Saratoga Springs, NY, 12866

3beds
2baths
1,959sqft
$499,000
$255price/sqft
$3,501/moest. monthly cost
$140,040/yrincome needed

About This Home

Better than NEW its ready now for summer in Saratoga. Everything in the home has been done including new widows, roof, kitchen, bathrooms, central air plumbing and electrical. great corner lot and minutes to everything that Saratoga has to offer. This is the one don't miss out!

Getting Around

10
WalkingCar-Dependent
14
TransitMinimal Transit
31
BikeSomewhat Bikeable

Schools

8/10
8/10

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1959

Materials

  • Roof: Asbestos Shingle
  • Construction materials: Block

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Oven,Refrigerator
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Full

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedrooms & Bathrooms

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

Features

  • Crown Molding,Eat-in Kitchen
  • Window features: Double Pane Windows
  • Number of fireplaces: 1
  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area below ground: 1,280
  • Finished area above ground: 1,959

Full Bathroom

  • Level: First

Heating & Cooling

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

Interior Area

  • Total structure area: 1,959
  • Total interior livable area: 1,959 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Primary Bathroom

  • Level: First

Primary Bedroom

  • Level: First

Property

Details

  • Parcel number: 411589 165.13119
  • Zoning description: Single Residence
  • Special condition: Standard

Features

  • Patio & porch: Pressure Treated Deck,Porch
  • Exterior features: None
  • Fencing: Back Yard
  • Has view: Yes
  • View description: City

Lot

  • Lot size: 0.29 Acres
  • Features: Corner Lot

Parking

  • Total spaces: 6
  • Parking features: Paved,Attached,Driveway
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Lightning
Strong Wind
Tornado

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 $2,523$30,276
Home Insurance *$127$1,524
Property Taxes $528$6,336
Electricity $323$3,884
Total$3,501$42,012
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$120,034/yr
40% on housing$105,030/yr
45% on housing$93,360/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

$255This listing

vs Other Active Listings

Avg $/sqft

ZIP 12866$450
Saratoga County$303

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
2026-04-21Price change$559,000
2026-03-26Price change$589,000
2026-03-12Price change$615,000
2026-03-05Listed for sale$645,000
2024-08-28Sold$310,000
2021-03-05Sold$280,000
2021-01-19Pending sale$285,000
2021-01-12Price change$285,000
2020-12-28Price change$295,000
2020-08-05Listed for sale$299,000
2019-01-04Listing removed$259,000
2018-10-31Price change$259,000
2018-08-29Price change$279,000
2018-07-26Price change$299,000
2018-07-11Listed for sale$319,900

For Sale by Agent

AgentDaniel R Warren
BrokerageWarren Prime Properties

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