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27 Arrowhead Road, Saratoga Springs, NY, 12866

4beds
3baths
2,784sqft
$950,000
$341price/sqft
$7,167/moest. monthly cost
$286,680/yrincome needed

About This Home

Having once had the privilege of owning this exceptional residence, it is truly an honor to represent 27 Arrowhead Rd once again for the wonderful owners who have enjoyed and lovingly cared for it over the past five years. Located in one of Saratoga Springs' most desirable neighborhoods, this custom 4-bedroom home blends timeless elegance with thoughtful updates and exceptional craftsmanship throughout. Designed for both comfortable everyday living & effortless entertaining, the home features a first-floor primary suite with sitting area, beautifully updated kitchen and baths, custom architectural trim and moldings, custom closets, updated flooring, and upgraded heating and A/C systems. Warm and inviting living spaces include two gas fireplaces, a stunning stone fireplace with Adirondack mantel, and a four-season Adirondack room that brings the outdoors in year-round. Recent updates include a new 2026 refrigerator, new washer and dryer, new microwave, and a water softener system, adding modern comfort and convenience to this already beautifully appointed home. Additional highlights include heated copper gutters, heated sidewalks and front entry, heated garage, and a finished lower level offering flexible living space. Set on a beautiful level yard with mature landscaping, the outdoor space is simply waiting for the next owner to create their own private oasis -- whether that means a pool, outdoor kitchen, firepit gatherings, or the ultimate backyard retreat. The photos beautifully tell the story of how this home was warmly lived in and thoughtfully decorated over the years, while also showcasing the incredible opportunity in Saratoga today as a clean slate for a new owner to bring their own style, vision, & personal touch to every space. Close to downtown Saratoga Springs, world-class dining, shopping, parks, & the renowned Saratoga Race Course, this home offers the perfect combination of luxury, comfort, and location. A special property waiting for its new chapter.

Getting Around

3
WalkingCar-Dependent
0
TransitNo Nearby Transit
26
BikeSomewhat Bikeable

Schools

8/10
8/10

Construction

Condition

  • Year built: 1994

Materials

  • Roof: Asphalt,Copper
  • Construction materials: Brick,Cedar

Type & Style

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

Interior

Appliances

  • Appliances included: Convection Oven,Dishwasher,Disposal,Gas Oven,Gas Water Heater,Instant Hot Water,Oven,Range,Range Hood,Refrigerator,Water Purifier
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Finished,Full,Heated

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Level: First

Family Room

  • Level: First

Features

  • Ceiling Fan(s),Radon System,Tray Ceiling(s),Vaulted Ceiling(s),Walk-In Closet(s),Cathedral Ceiling(s),Crown Molding,Eat-in Kitchen,Kitchen Island
  • Door features: French Doors,Storm Door(s)
  • Window features: Blinds
  • Flooring: Tile,Vinyl,Wood,Ceramic Tile,Laminate
  • Number of fireplaces: 2
  • Fireplace features: Other,Family Room,Gas
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,784

Foyer

  • Level: First

Full Bathroom

  • Level: First

Full Bathroom

  • Level: Second

Half Bathroom

  • Level: First

Heating & Cooling

  • Heating features: Baseboard,Hot Water,Natural Gas,Radiant,Radiant Floor,Wood Stove,Zoned
  • Cooling features: Attic Fan,Central Air

Interior Area

  • Total structure area: 2,784
  • Total interior livable area: 2,784 sqft

Kitchen

  • Level: First

Other

  • Level: Basement

Primary Bedroom

  • Level: First

Sun Room

  • Level: First

Utility Room

  • Level: Basement

Property

Details

  • Parcel number: 411589 192.8214
  • Special condition: Standard

Features

  • Patio & porch: Deck
  • Exterior features: Lighting
  • Has spa: Yes
  • Spa features: Bath

Lot

  • Lot size: 0.52 Acres
  • Features: Other,Level,Sprinklers In Front,Sprinklers In Rear,Cleared,Corner Lot,Landscaped

Parking

  • Total spaces: 6
  • Parking features: Off Street,Workshop in Garage,Paved,Attached,Circular Driveway,Driveway,Garage Door Opener,Heated Garage
  • 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 FloodingRelatively High
  • 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 $4,803$57,636
Home Insurance *$241$2,892
Property Taxes $1,663$19,956
Electricity $460$5,520
Total$7,167$86,004
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$245,725/yr
40% on housing$215,010/yr
45% on housing$191,120/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

$341This listing

vs Other Active Listings

Avg $/sqft

ZIP 12866$449
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
2026-07-14Price change$950,000
2026-05-29Listed for sale$975,000
2021-06-18Sold$800,000
2011-05-06Sold$415,000
2011-02-11Price change$437,000
2010-10-31Listed for sale$467,000
2002-05-31Sold$300,000
1998-07-16Sold$270,000

For Sale by Agent

AgentCathy Libecci
BrokerageColdwell Banker Prime Properties

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