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27 Sidney Avenue, Waterford, NY, 12188

4beds
1baths
1,296sqft
$304,000
$235price/sqft
$2,198/moest. monthly cost
$87,920/yrincome needed

About This Home

Welcome to this inviting, charming 4-bedroom, 1-bath home with plenty of living space. Featuring original hardwood floors that add warmth and character throughout. Enjoy extra living space year-round with both an enclosed front porch and an enclosed back porch--perfect for relaxing, entertaining, or creating a cozy sunroom or hobby area. A spacious detached 2-car garage offers secure parking, storage, or workshop potential. This well-kept property blends classic charm with practical features, providing comfort and flexibility for everyday living. Don't miss the opportunity to make this delightful home your own! Contingent on seller finding home of their choice.

Getting Around

11
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

3/10

Construction

Condition

  • Year built: 1945

Materials

  • Foundation: Block
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Oven,Range Hood,Refrigerator,Washer/Dryer
  • Laundry features: Laundry Closet,Main Level

Basement

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

Bedroom

  • Level: First

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Level: First

Features

  • High Speed Internet,Ceiling Fan(s),Solid Surface Counters,Built-in Features,Crown Molding,Eat-in Kitchen
  • Door features: Storm Door(s)
  • Flooring: Hardwood,Laminate
  • Finished area below ground: 0
  • Finished area above ground: 1,296

Full Bathroom

  • Level: First

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: AC Pump

Interior Area

  • Total structure area: 1,296
  • Total interior livable area: 1,296 sqft

Kitchen

  • Level: First

Laundry

  • Level: First

Living Room

  • Level: First

Other

  • Level: First

Property

Details

  • Parcel number: 415489 291.10131
  • Zoning description: Single Residence
  • Special condition: Standard

Features

  • Patio & porch: Rear Porch,Enclosed,Front Porch

Lot

  • Lot size: 7,405 sqft
  • Features: Cleared

Parking

  • Total spaces: 5
  • Parking features: Paved,Detached,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

  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

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 $1,537$18,444
Home Insurance *$94$1,128
Property Taxes $321$3,852
Electricity $246$2,954
Total$2,198$26,376
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$75,360/yr
40% on housing$65,940/yr
45% on housing$58,613/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

$235This listing

vs Other Active Listings

Avg $/sqft

ZIP 12188$235
Saratoga County$303

vs Homes Sold Last Month

Median $/sqft

ZIP 12188$230
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
2026-03-05Listed for sale$304,000
2025-12-14Listing removed$304,900
2025-11-17Price change$304,900
2025-11-09Listed for sale$309,000
2021-04-29Sold$194,000
2021-01-23Pending sale$189,900
2021-01-11Price change$189,900
2020-12-14Listed for sale$195,000
2020-11-13Pending sale$195,000
2020-11-06Price change$195,000
2020-10-20Price change$209,900
2020-10-08Listed for sale$219,900

For Sale by Agent

AgentTracey Charland
BrokerageColdwell Banker Prime Properties

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