48 Union Ave #3, Saratoga Springs, NY, 12866
About This Home
Welcome to this historic Victorian one-bedroom 1038 sq ft condominium unit situated in a highly desirable downtown location. Just steps away from Congress Park and Broadway on one side and the Thoroughbred Track a short distance down the street on the other side. It features an expansive second floor deck that faces Union Ave and is partially covered - shared only with the adjacent condo unit - something very few other properties can offer. Front and rear first floor porch areas where occupants of 48 Union can sit and relax. Entry to Unit 3 is via the rear building entrance offering either a marble staircase or elevator for second floor access to the unit. Private parking and a lockable basement storage area. Currently used as a professional office, it can easily be transformed for residential use. Whether this will be your Saratoga Springs Getaway, or year-round residence - take advantage of this rare opportunity!
Getting Around
Very Walkable
Some Transit
BikeableSchools
Construction
Condition
- Year built: 1907
Materials
- Foundation: Stone
- Construction materials: Brick
Type & Style
- Home type: Condo
- Architectural style: Victorian
- Property subType: Condominium,Residential
Interior
Appliances
- Appliances included: Range,Range Hood,Refrigerator
- Laundry features: None
Basement
- Has basement: Yes
- Basement: Full,Unfinished
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 1
- Full bathrooms: 1
Features
- High Speed Internet,Ceramic Tile Bath,Elevator,Eat-in Kitchen
- Flooring: Tile,Hardwood,Linoleum
- Number of fireplaces: 2
- Fireplace features: Bedroom,Gas,Living Room,Wood Burning
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 1,038
Full Bathroom
- Level: Second
Heating & Cooling
- Heating features: Forced Air,Natural Gas
- Cooling features: Central Air
Interior Area
- Total structure area: 1,038
- Total interior livable area: 1,038 sqft
Kitchen
- Level: Second
Living Room
- Level: Second
Primary Bedroom
- Level: Second
Property
Details
- Parcel number: 411501 165.7656
- Zoning description: Mixed
- Special condition: Standard
Features
- Patio & porch: Rear Porch,Covered,Deck,Front Porch
- Has view: Yes
- View description: City
Lot
- Lot size: 871.20 sqft
- Features: Level
Parking
- Total spaces: 1
- Parking features: Off Street,Driveway
- 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
- Ice Storm
How This Home’s Risks Compare
FEMA Declared Disasters in Saratoga County and New York
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,781 | $33,372 |
| Home Insurance * | $140 | $1,680 |
| Property Taxes | $582 | $6,984 |
| Electricity | $246 | $2,954 |
| Total | $3,749 | $44,988 |
Income You'd Need if You Spent...
New York FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-14 | Price change | $550,000 |
| 2026-05-05 | Price change | $590,000 |
| 2026-02-10 | Listed for sale | $650,000 |
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