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284 Rowland Street, Ballston Spa, NY, 12020

3beds
2baths
936sqft
$310,000
$331price/sqft
$2,214/moest. monthly cost
$88,560/yrincome needed

About This Home

Set on a deep 0.34-acre lot in the Ballston Spa School District, this 3-bedroom, 2-full-bath raised ranch offers comfortable living spaces with plenty of flexibility for everyday life. Built in 1967, the home provides approximately 1,368 square feet above grade, plus additional finished space on the lower level. The main level welcomes you with hardwood floors and a bright living room featuring built-in shelving and a wide front window. The adjoining dining area flows naturally into the kitchen, where abundant wood cabinetry, generous counter space, a mosaic tile backsplash, tiled flooring, a gas range, microwave, dishwasher, and refrigerator create a practical setting for weeknight dinners and weekend gatherings. Beyond the dining room, a spacious bonus room is surrounded by windows and filled with natural light--ideal for morning coffee, a home office, playroom, or casual sitting area--with convenient access to the rear deck. All three bedrooms are located on the main level and feature hardwood flooring. The main bath includes an extended vanity and a tiled walk-in shower. Downstairs, the finished lower-level family room offers additional space for movie nights, hobbies, a home gym, or recreation, along with a second full bath, storage, and direct access to the attached two-car garage. Outside, the deck and patio overlook an expansive backyard with plenty of room for gardening, recreation, entertaining, and future outdoor plans. Conveniently located just minutes from downtown Ballston Spa, Saratoga Springs, shopping, restaurants, parks, and major commuter routes, this home offers the perfect combination of comfort, space, and location. Whether you're looking for room to grow or a place to make your own, this inviting property is ready to welcome you home.

Getting Around

18
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1967

Materials

  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

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

Basement

  • Basement: None

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Family Room

  • Level: Basement

Features

  • Ceiling Fan(s),Built-in Features
  • Flooring: Tile,Vinyl,Hardwood
  • Finished area below ground: 432
  • Finished area above ground: 936

Full Bathroom

  • Level: Basement

Full Bathroom

  • Level: First

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: None

Interior Area

  • Total structure area: 936
  • Total interior livable area: 936 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Other

  • Level: First

Property

Details

  • Parcel number: 414289 190.14219
  • Special condition: Standard

Features

  • Patio & porch: Deck,Front Porch
  • Exterior features: Lighting
  • Fencing: Wood,Back Yard,Fenced,Full

Lot

  • Lot size: 0.34 Acres
  • Features: Level,Road Frontage,Cleared

Parking

  • Total spaces: 5
  • Parking features: Off Street,Paved,Attached,Driveway,Garage Door Opener
  • 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

  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
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 $1,567$18,804
Home Insurance *$73$876
Property Taxes $328$3,936
Electricity $246$2,954
Total$2,214$26,568
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$75,908/yr
40% on housing$66,420/yr
45% on housing$59,040/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

$331This listing

vs Other Active Listings

Avg $/sqft

ZIP 12020$237
Saratoga County$303

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
2026-08-03Price change$310,000
2026-07-16Listed for sale$320,000
2005-04-14Sold$172,000
2001-06-29Sold$93,500

For Sale by Agent

AgentShayna L Goodson
BrokerageFind Advisors

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