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25 Pico Road, Clifton Park, NY, 12065

5beds
3baths
2,600sqft
$515,000
$198price/sqft
$3,708/moest. monthly cost
$148,320/yrincome needed

About This Home

***Please submit all offers by Tues 8/4 at 10 am*** This 5 bedroom, 3 bath colonial sits on 0.37 acres in the heart of Clifton Park within the highly regarded Shenendehowa School District -- with a walking path to Okte Elementary right from the neighborhood. At over 2600 sqft with hardwood floors, a 2-car attached garage, and a layout that genuinely works for everyday living, this one checks the boxes that matter. The oversized primary bedroom is a standout -- generous enough to serve as a true retreat with room to breathe. A 3-season sunroom extends the living space and brings the outdoors in for a good portion of the year, creating one of those spaces that quickly becomes everyone's favorite room. The wood burning fireplace anchors the main living area with warmth and character, and central air keeps things comfortable all summer long. The kitchen is fully equipped with dishwasher, disposal, microwave, oven, and washer and dryer included. Hardwood floors and tile throughout, public water and sewer, and forced air heating round out a well-maintained home. Solar panels provide long-term energy savings, and a wood burning furnace in the basement offers an additional and efficient heat source for the winter months. Outside, the 0.37-acre lot offers room to enjoy the warmer months, and the attached 2-car garage adds everyday convenience that Clifton Park buyers appreciate.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

7/10
Okte Elementary SchoolGrades K-50.2 mi
8/10
Acadia Middle SchoolGrades 6-83.6 mi
8/10
Shenendehowa High SchoolGrades 9-123.2 mi

Construction

Condition

  • Year built: 1973

Materials

  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Microwave,Oven,Range,Refrigerator,Washer

Basement

  • Has basement: Yes
  • Basement: Full,Interior Entry,Partial

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Level: First

Family Room

  • Level: First

Features

  • Eat-in Kitchen
  • Flooring: Tile,Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,600

Heating & Cooling

  • Heating features: Forced Air,Solar
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,600
  • Total interior livable area: 2,600 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Other

  • Level: First

Primary Bedroom

  • Level: Second

Property

Details

  • Parcel number: 412400 283.16143
  • Special condition: Standard

Features

  • Exterior features: Other
  • Fencing: None

Lot

  • Lot size: 0.37 Acres
  • Features: Level,Cleared,Landscaped

Parking

  • Total spaces: 4
  • Parking features: 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

  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

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 $2,604$31,248
Home Insurance *$130$1,560
Property Taxes $545$6,540
Electricity $429$5,156
Total$3,708$44,496
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$127,131/yr
40% on housing$111,240/yr
45% on housing$98,880/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

$198This listing

vs Other Active Listings

Avg $/sqft

ZIP 12065$251
Saratoga County$303

vs Homes Sold Last Month

Median $/sqft

ZIP 12065$250
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)

No zestimate history available

Price History

DateEventPrice
2026-08-05Pending sale$515,000
2026-07-30Listed for sale$515,000
2006-08-25Sold$318,000

For Sale by Agent

AgentScott P Varley
BrokerageKW Platform

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