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126 9th Street, Saratoga Springs, NY, 12866

4beds
2baths
1,914sqft
$1,539,900
$805price/sqft
$10,123/moest. monthly cost
$404,920/yrincome needed

About This Home

Exclusive Saratoga Waterfront Estate with Private Dock & Resort Style Living! Completed in 2023, this 4-bedroom, 2-bath tri-level waterfront residence offers 1,914 sq ft of thoughtfully designed living space with private dock access on Saratoga Lake and panoramic lake, mountain, and water views. Positioned for both year-round enjoyment and effortless entertaining, the home blends contemporary chalet styling with high-efficiency construction and modern finishes throughout. The main living areas feature cathedral and vaulted ceilings, a gourmet eat-in kitchen with island and stone countertops, and open dining and living spaces oriented toward the water. Interior highlights include ceramic tile baths, crown molding, built-ins, walk-in closets, high-speed internet wiring, and whole-home sound readiness. Outdoor living is equally compelling with a composite deck, patio, and front porch, offering multiple vantage points for lakefront relaxation and sunset views. The finished walk-out lower level provides additional flexible living space with interior entry. Set just minutes from downtown Saratoga Springs, the Saratoga Race Course, golf, dining, and year-round recreation, this recently constructed lakefront property offers a rare opportunity to own a modern turnkey waterfront home or Airbnb (financials upon request) in one of the region's most desirable locations. Additional features include: Direct Saratoga Lake frontage with private 80' dock (included), Maintenance free composite decking, Private 3rd floor balcony, Glass overhead door walks out to a Massive concrete patio with gas hookup for outdoor fireplace. Prewired 220v for hot tub. Heated attached 2+car garage + parking for 6, Electric fireplace ENERGY STAR appliances, windows, insulation, HVAC, and doors. Central air and natural gas forced-air heat, the list goes on and on. BROKER IS OWNER.

Getting Around

5
WalkingCar-Dependent
0
TransitNo Nearby Transit
29
BikeSomewhat Bikeable

Schools

6/10
8/10
6/10

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 2023

Materials

  • Foundation: Concrete Perimeter,Permanent,Raised,Slab
  • Roof: Metal,Shingle,Asphalt,Composition
  • Construction materials: Stone,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,ENERGY STAR Qualified Appliances,Gas Oven,Gas Water Heater,Instant Hot Water,Microwave,Range,Range Hood,Refrigerator,Washer/Dryer,Water Purifier,Water Softener
  • Laundry features: In Bathroom,Main Level

Basement

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

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Third

Bedroom

  • Level: Third

Bedrooms & Bathrooms

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

Features

  • High Speed Internet,Ceiling Fan(s),Vaulted Ceiling(s),Walk-In Closet(s),Wired for Sound,Built-in Features,Cathedral Ceiling(s),Ceramic Tile Bath,Chair Rail,Crown Molding,DSL Internet,Satellite Internet,Eat-in Kitchen,Kitchen Island
  • Door features: Atrium Door,ENERGY STAR Qualified Doors,Sliding Doors
  • Window features: Low Emissivity Windows,Triple Pane Windows,Screens,Solar Screens,Blinds,ENERGY STAR Qualified Windows,Insulated Windows
  • Flooring: Tile,Ceramic Tile,Laminate
  • Number of fireplaces: 1
  • Fireplace features: Electric,Family Room,Gas
  • Fireplace: Yes
  • Finished area below ground: 807
  • Finished area above ground: 1,914

Full Bathroom

  • Level: Second

Full Bathroom

  • Level: Third

Game Room

  • Level: First

Great Room

  • Level: Second

Heating & Cooling

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

Interior Area

  • Total structure area: 1,914
  • Total interior livable area: 1,914 sqft

Kitchen

  • Level: Second

Laundry

  • Level: Second

Other

  • Level: Third

Other

  • Level: First

Property

Details

  • Parcel number: 414089 218.19212
  • Zoning description: Single Residence
  • Special condition: Standard
  • Other equipment: DC Well Pump

Features

  • Patio & porch: Composite Deck,Deck,Front Porch,Patio,Porch
  • Exterior features: Garden,Lighting,Dock
  • Fencing: Chain Link,Partial
  • Has view: Yes
  • View description: Mountain(s),Creek/Stream,Lake,Water
  • Has water view: Yes
  • Water view: Creek/Stream,Lake,Water
  • On waterfront: Yes
  • Waterfront features: Lake Front
  • Waterbody name: Saratoga Lake

Lot

  • Lot size: 3,484 sqft
  • Features: Level,Views,Cleared,Garden,Landscaped,Waterfront

Parking

  • Total spaces: 6
  • Parking features: Off Street,Stone,Under Residence,Workshop in Garage,Attached,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 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 $7,786$93,432
Home Insurance *$392$4,704
Property Taxes $1,629$19,548
Electricity $316$3,795
Total$10,123$121,476
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$347,074/yr
40% on housing$303,690/yr
45% on housing$269,946/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

$805This listing

vs Other Active Listings

Avg $/sqft

ZIP 12866$445
Saratoga County$301

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
2026-04-21Price change$1,699,900
2026-03-30Listed for sale$1,749,000
2020-08-13Sold$240,000
2020-07-02Pending sale$240,000
2020-07-02Listed for sale$240,000

For Sale by Agent

AgentPhilip W Wagner
BrokerageWagner Real Estate Group

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