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2130 Rowley Road, Malta, NY, 12020

--beds
0baths
0sqft
$650,000
--price/sqft
$4,372/moest. monthly cost
$174,880/yrincome needed

About This Home

Opportunities like this don't come around often. Set in one of Saratoga County's most beautiful and tranquil locations, 2130 Rowley Road offers breathtaking views from every vantage point and a setting that once hosted a $2.5M private estate. Following a past fire, the property has been cleared and now features an existing foundation, creating a true blank canvas for your next vision. The site is ideally suited for a custom two-family residence (with special permit), offering flexibility for owner-occupants, investors, or those looking to design a high-end multi-generational home. Surrounded by natural beauty and peaceful scenery, this exceptional parcel invites thoughtful design and inspired architecture--an opportunity to build something truly special in a location that simply can't be replicated.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

6/10
7/10
6/10

Construction

Condition

  • New construction: Yes

Materials

  • Roof: Asphalt
  • Construction materials: None

Type & Style

  • Home type: MultiFamily
  • Architectural style: Other
  • Property subType: Duplex,Multi Family

Interior

Basement

  • Has basement: Yes
  • Basement: Other

Features

  • Finished area below ground: 0
  • Finished area above ground: 0

Heating & Cooling

  • Heating features: None
  • Cooling features: None

Interior Area

  • Total structure area: 0

Property

Details

  • Parcel number: 414089 192.165
  • Attached to another structure: Yes
  • Zoning description: Single Residence
  • Special condition: Standard

Features

  • Exterior features: None

Lot

  • Lot size: 3 Acres
  • Features: Level,Cleared

Parking

  • Total spaces: 4

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

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Lightning
Strong Wind

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 $3,286$39,432
Home Insurance *$153$1,836
Property Taxes $687$8,244
Electricity $246$2,954
Total$4,372$52,464
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$149,897/yr
40% on housing$131,160/yr
45% on housing$116,586/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

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 12020$231
Saratoga County$302

vs Homes Sold Last Month

Median $/sqft

ZIP 12020$271
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
2026-05-13Listed for sale$650,000
2026-05-13Listing removed$650,000
2025-11-10Listed for sale$650,000
2025-10-24Listing removed$650,000
2025-07-30Listed for sale$650,000
2025-07-30Listing removed$650,000
2025-04-29Listed for sale$650,000
2025-04-29Listing removed$650,000
2025-01-28Listed for sale$650,000
2025-01-28Listing removed$650,000
2024-10-24Listed for sale$650,000
2024-08-22Listing removed$650,000
2024-05-03Listed for sale$650,000
2024-05-02Listing removed--
2024-02-01Listed for sale$650,000
2024-02-01Listing removed--
2023-11-07Listed for sale$650,000
2021-12-27Listing removed--
2021-09-28Price change$1,650,000
2017-07-10Price change$1,099,999
2017-06-05Price change$999,999
2017-03-14Price change$1,199,000
2017-02-01Price change$1,255,000
2017-01-06Price change$1,295,000
2016-12-29Listed for sale$1,395,000
2003-12-24Sold$335,000
2003-10-15Sold$90,000

New Construction

AgentScott P Varley
BrokerageKW Platform

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