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548 NYS Route 9P, Stillwater, NY, 12170

3beds
3baths
2,197sqft
$1,098,500
$500price/sqft
$7,537/moest. monthly cost
$301,480/yrincome needed

About This Home

Design and build your dream home with award-winning Bella Home Builders on this 0.51-acre homesite near Saratoga Lake, offering breathtaking sunset views. Enjoy public water, public sewer, and a prime location that blends privacy with convenience. Choose from Bella's inspiring portfolio of floor plans or collaborate to create a one-of-a-kind design tailored to your lifestyle and budget. From concept to completion, Bella's expert team will guide you through every detail —layout, features, and finishes—to ensure your new home is uniquely yours. Price shown is an example; final pricing depends on your chosen plan and selections.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
3
BikeSomewhat Bikeable

Schools

Construction

Condition

  • New construction: Yes

Materials

  • Foundation: Concrete Perimeter
  • Roof: Asphalt
  • Construction materials: Other

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Gas Oven,Microwave
  • Laundry features: Laundry Room

Basement

  • Has basement: Yes
  • Basement: Full

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedrooms & Bathrooms

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

Dining Room

  • Level: First

Features

  • Other,Solid Surface Counters,Ceramic Tile Bath
  • Door features: Sliding Doors
  • Window features: Low Emissivity Windows,Egress Window
  • Flooring: Tile,Hardwood
  • Fireplace features: Family Room,Gas
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,197

Foyer

  • Level: First

Full Bathroom

  • Level: First

Full Bathroom

  • Level: First

Great Room

  • Level: First

Heating & Cooling

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

Interior Area

  • Total structure area: 2,197
  • Total interior livable area: 2,197 sqft

Mud Room

  • Level: First

Primary Bathroom

  • Level: Second

Primary Bedroom

  • Level: Second

Property

Details

  • Parcel number: 415289 218.20140.3
  • Other equipment: Grinder Pump

Features

  • Patio & porch: Other,Covered,Front Porch,Porch
  • Exterior features: Lighting
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake

Lot

  • Lot size: 0.51 Acres
  • Features: Other,Road Frontage,Sloped,Views,Cleared,Landscaped

Parking

  • Total spaces: 4
  • Parking features: 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

No climate risk data available.

How This Home’s Risks Compare

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 $5,554$66,648
Home Insurance *$458$5,496
Property Taxes $1,162$13,944
Electricity $363$4,356
Total$7,537$90,444
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$258,411/yr
40% on housing$226,110/yr
45% on housing$200,986/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: -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

$500This listing

vs Other Active Listings

Avg $/sqft

ZIP 12170$224
Saratoga County$302

vs Homes Sold Last Month

Median $/sqft

ZIP 12170$208
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
2026-02-26Listed for sale$1,098,500
2026-02-22Listing removed$1,098,500
2025-11-20Listed for sale$1,098,500
2025-11-20Listing removed$1,098,500
2025-08-20Listed for sale$1,098,500

New Construction

AgentRichard Gargiulo
BrokerageSterling Real Estate Group

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