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316 Farm To Market Road, Mechanicville, NY, 12118

4beds
4baths
2,284sqft
$679,000
$297price/sqft
$4,677/moest. monthly cost
$187,080/yrincome needed

About This Home

*OPEN HOUSE SATURDAY, 8/15 11AM-2PM* Beautifully updated custom home with 4 bedrooms, 3 full baths, and 1 half bath set on a private, picturesque one-acre lot in the sought-after Shenendehowa School District. Exceptional curb appeal includes a newer roof, siding, gutters, stone accents, and mature trees. The open floor plan connects the kitchen, family room, dining area, formal dining room, and living space--ideal for everyday living and entertaining. A finished walkout basement with a home office adds flexible living space. The spacious kitchen features granite countertops, marble backsplash, specialty garden window, newer stainless-steel appliances, and ample workspace. The adjoining family room offers a gas fireplace insert with blower and remote for year-round comfort. Well maintained with quality finishes throughout, the home includes public water, and a whole-house generator. Outdoor living shines with a large Trex deck off the kitchen, a covered deck with hot tub off the walkout basement, and an above-ground Kayak pool, all set in a peaceful, private yard. Additional features include an attached two-car garage, detached garage, carport, and ample off-street parking. Move-in ready, this home offers space, privacy, and exceptional amenities in a prime location.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

9/10
9/10
Gowana Middle SchoolGrades 6-83.3 mi
8/10
Shenendehowa High SchoolGrades 9-123.2 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1996

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle
  • Construction materials: Stone,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Gas Oven,Microwave,Refrigerator,Washer/Dryer
  • Laundry features: Gas Dryer Hookup

Basement

  • Has basement: Yes
  • Basement: Finished,Walk-Out Access

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

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

Dining Room

  • Level: First

Family Room

  • Level: Basement

Features

  • High Speed Internet,Ceiling Fan(s),Solid Surface Counters,Walk-In Closet(s),Wall Paneling,Ceramic Tile Bath,Chair Rail,Crown Molding,Eat-in Kitchen
  • Door features: Sliding Doors
  • Window features: Low Emissivity Windows,Screens,Blinds,Garden Window(s),Insulated Windows
  • Flooring: Other,Carpet,Ceramic Tile,Hardwood
  • Number of fireplaces: 2
  • Fireplace features: Other,Basement,Family Room,Gas
  • Fireplace: Yes
  • Finished area below ground: 1,000
  • Finished area above ground: 2,284

Foyer

  • Level: First

Full Bathroom

  • Level: Second

Full Bathroom

  • Level: Basement

Great Room

  • Level: First

Half Bathroom

  • Level: First

Heating & Cooling

  • Heating features: Other,Fireplace Insert,Forced Air,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,284
  • Total interior livable area: 2,284 sqft

Kitchen

  • Level: First

Laundry

  • Level: First

Living Room

  • Level: First

Office

  • Level: Basement

Other

  • Level: Basement

Primary Bathroom

  • Level: Second

Primary Bedroom

  • Level: Second

Property

Details

  • Parcel number: 413800 266.287.1
  • Special condition: Standard

Features

  • Pool features: Other,Above Ground
  • Patio & porch: Side Porch,Composite Deck,Covered,Deck
  • Exterior features: Other,Garden,Lighting
  • Has view: Yes
  • View description: Trees/Woods,Garden

Lot

  • Lot size: 1 Acres
  • Features: Rolling Slope,Private,Road Frontage,Views,Wooded,Landscaped

Parking

  • Total spaces: 8
  • Parking features: Other,Carport,Detached,Driveway,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • Has uncovered spaces: Yes
  • Carport: 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

  • Lightning
    LightningModerate

How This Home’s Risks Compare

Lightning

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 $3,433$41,196
Home Insurance *$149$1,788
Property Taxes $718$8,616
Electricity $377$4,529
Total$4,677$56,124
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$160,354/yr
40% on housing$140,310/yr
45% on housing$124,720/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

$297This listing

vs Other Active Listings

Avg $/sqft

ZIP 12118$245
Saratoga County$303

vs Homes Sold Last Month

Median $/sqft

ZIP 12118$281
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
2026-08-12Contingent$679,000
2026-08-11Pending sale$679,000
2026-08-03Listed for sale$679,000
2005-06-15Sold$270,000
1997-01-23Sold$179,900

For Sale by Agent

AgentLaurie Cerrone
BrokerageMiranda Real Estate Group Inc

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