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98 W Saint Stephens Lane, Glenville, NY, 12302

5beds
2baths
1,870sqft
$349,900
$187price/sqft
$2,812/moest. monthly cost
$112,480/yrincome needed

About This Home

Located in a desirable neighborhood in Glenville and within the highly sought-after Burnt Hills-Ballston Lake Central School District, this well-maintained 4-bedroom home at 98 Saint Stephen's Lane West offers space, value, and long-term potential in today's market. The first floor features a functional and inviting layout with a dedicated home office, convenient half bath, spacious living room with a wood-burning fireplace, formal dining area, and an eat-in kitchen. A screened porch extends your living space and overlooks a level backyard--ideal for relaxing or entertaining. A two-car garage adds everyday convenience. Upstairs, you'll find four generously sized bedrooms and a full bath, providing flexibility for families, guests, or additional work-from-home needs. While the kitchen and bathrooms retain their original character, the home has been freshly painted throughout and features beautifully refinished hardwood floors--offering a clean, move-in-ready feel with the opportunity to add your own updates over time. Positioned in one of Glenville's most desirable residential areas, this home delivers strong value for buyers looking to get into the Burnt Hills school district at an attractive price point. Close to parks, shopping, and major routes, this is a smart investment in both location and lifestyle. A rare opportunity to own a 4-bedroom home in Glenville at a price that's hard to find--schedule your showing today.

Getting Around

13
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1956

Materials

  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Oven,Range,Refrigerator,Washer
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Full

Bedroom

  • Level: First

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Features

  • Flooring: Hardwood
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,870

Full Bathroom

  • Level: Second

Half Bathroom

  • Level: First

Heating & Cooling

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

Interior Area

  • Total structure area: 1,870
  • Total interior livable area: 1,870 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Property

Details

  • Parcel number: 422289 22.646
  • Special condition: Standard
  • Other equipment: None

Features

  • Patio & porch: Rear Porch,Enclosed
  • Fencing: None

Lot

  • Lot size: 0.44 Acres
  • Features: Level

Parking

  • Total spaces: 4
  • Parking features: Attached,Driveway
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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

  • Lightning
    LightningModerate

How This Home’s Risks Compare

Lightning

FEMA Declared Disasters in Schenectady 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 $1,769$21,228
Home Insurance *$116$1,392
Property Taxes $618$7,416
Electricity $309$3,708
Total$2,812$33,744
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$96,411/yr
40% on housing$84,360/yr
45% on housing$74,986/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: -3.1%
-3.1%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -1.5%
-1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$187This listing

vs Other Active Listings

Avg $/sqft

ZIP 12302$196
Schenectady County$189

vs Homes Sold Last Month

Median $/sqft

ZIP 12302$196
Schenectady County$188

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
2026-08-11Pending sale$349,900
2026-07-27Listed for sale$349,900
2026-06-01Listing removed$349,900
2026-05-27Listed for sale$349,900
2026-04-25Pending sale$349,900
2026-04-21Listed for sale$349,900

For Sale by Agent

AgentMichael J Field
BrokerageField Realty

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