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430 Route 146 Lot 144, Clifton Park, NY, 12065

3beds
2baths
1,600sqft
$180,900
$113price/sqft
$1,414/moest. monthly cost
$56,560/yrincome needed

About This Home

Move in by end of June! ! 3 Bedroom 2 Bath home new in 2022. Covered Front Porch opens into huge living room open to Kitchen & dining room. Kitchen has tons of cabinets and stainless steel appliances with a huge working island with pendant lights and snack bar top perfect for stools! Enjoy seamless flow between the kitchen, dining area, and family room, creating a welcoming atmosphere for gatherings. The primary bedroom is complete with a private bathroom featuring double sinks, a step-in shower and huge walk in closet. Two additional big bedrooms and a 2nd full bath with one piece tub/shower. Upgraded skirting, large deck, shed & gutters, 3 car driveway all included. For sale only and not for rent. Financing is available for credit qualified candidates with 10% down payment. Home is located in D&R Village, a first class manufactured home community. Application w/background approval required. Land rent is currently $811/month and includes all property/school taxes, weekly garbage collection etc.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
15
BikeSomewhat Bikeable

Schools

8/10
8/10
Koda Middle SchoolGrades 6-84.5 mi
8/10
Shenendehowa High SchoolGrades 9-124.2 mi

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2022

Materials

  • Roof: Shake
  • Construction materials: Vinyl Siding

Other

  • Builder name: UMH Properties, Inc.

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range,Refrigerator

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Walk-In Closet(s)

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Central Air,Ceiling Fan(s)

Interior Area

  • Total interior livable area: 1,600 sqft

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 FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Lightning

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 $914$10,968
Home Insurance *$45$540
Property Taxes $191$2,292
Electricity $264$3,172
Total$1,414$16,968
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$48,480/yr
40% on housing$42,420/yr
45% on housing$37,706/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

$113This listing

vs Other Active Listings

Avg $/sqft

ZIP 12065$254
Saratoga County$303

vs Homes Sold Last Month

Median $/sqft

ZIP 12065$250
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
2026-04-16Listed for sale$180,900

New Construction Spec

BrokerageUMH Properties, Inc.

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