See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

12 Worden Drive, Saratoga Springs, NY, 12866

4beds
2baths
1,316sqft
$549,900
$418price/sqft
$3,747/moest. monthly cost
$149,880/yrincome needed

About This Home

Opportunity awaits as this beautiful large Saratoga Springs 2550 sqft 4 bedroom 2 bath home with mail level primary bedroom suite hits the market! This home features a cozy enormous family room with fireplace, huge eat in kitchen with abundance of granite tiled countertops and cabinetry, primary bedroom suite with huge walk in closet and full bath with jet tub, large sun filled living room, main level laundry room, central air, huge storage room, oversized two car garage! Awesome large lot featuring large fenced in back yard with double deck including large covered part! This is centrally located minutes to downtown, racetrack, SPAC and casino! A must see!

Getting Around

4
WalkingCar-Dependent
15
TransitMinimal Transit
30
BikeSomewhat Bikeable

Schools

8/10
8/10

Construction

Condition

  • Year built: 1985

Materials

  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Double Oven,Microwave,Refrigerator
  • Laundry features: Laundry Room,Main Level

Basement

  • Has basement: Yes
  • Basement: Finished,Full

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Entry

  • Level: First

Family Room

  • Level: First

Features

  • Other,High Speed Internet,Walk-In Closet(s),Ceramic Tile Bath,Chair Rail,Eat-in Kitchen
  • Flooring: Carpet,Ceramic Tile,Laminate
  • Number of fireplaces: 1
  • Fireplace features: Family Room
  • Fireplace: Yes
  • Finished area below ground: 1,224
  • Finished area above ground: 1,316

Full Bathroom

  • Level: First

Full Bathroom

  • Level: Second

Heating & Cooling

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

Interior Area

  • Total structure area: 1,316
  • Total interior livable area: 1,316 sqft

Kitchen

  • Level: Second

Laundry

  • Level: Second

Living Room

  • Level: Second

Other

  • Level: First

Primary Bedroom

  • Level: Second

Property

Details

  • Parcel number: 411589 165.13221
  • Special condition: Standard

Features

  • Entry location: First
  • Patio & porch: Deck
  • Exterior features: Other,Garden,Lighting
  • Fencing: Back Yard

Lot

  • Lot size: 0.36 Acres
  • Features: Level,Landscaped

Parking

  • Total spaces: 6
  • Parking features: 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 $2,780$33,360
Home Insurance *$140$1,680
Property Taxes $581$6,972
Electricity $246$2,954
Total$3,747$44,964
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$128,468/yr
40% on housing$112,410/yr
45% on housing$99,920/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

$418This listing

vs Other Active Listings

Avg $/sqft

ZIP 12866$449
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
2026-08-06Price change$525,000
2026-07-20Listed for sale$549,900
2023-10-03Listing removed--
2023-09-25Listed for rent$2,800
2021-03-24Listing removed--
2020-10-02Listing removed$2,000
2020-09-02Listed for rent$2,000
2017-05-03Listing removed$2,200
2017-04-03Listed for rent$2,200
2006-12-13Sold$266,000
2006-05-26Sold$195,900
2000-07-03Sold$119,900

For Sale by Agent

AgentWayne A Newcomb, Jr.
BrokerageNewcomb Realty Group LLC

Similar Homes