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4 Aft Court, Saratoga Springs, NY, 12866

2beds
1baths
775sqft
$469,000
$605price/sqft
$3,232/moest. monthly cost
$129,280/yrincome needed

About This Home

Lakeside living at its best! Enjoy gorgeous views and easy access to a private shared dock, with Brown's Beach just across the street. This beautiful, charming 2-bedroom, 1-bath ranch offers plenty of space and flexibility, with room to expand if desired. Truly checking all the boxes. Low taxes and affordable water and sewer with a low quarterly rate add to the home's value and ease of ownership. Everything you need to enjoy summer living is right at your fingertips! Located just 10 minutes from the racetrack, Saratoga Performing Arts Center (SPAC), and downtown. This home combines relation, convenience and lifestyle in one exceptional setting. Make your appointment today!

Getting Around

7
WalkingCar-Dependent
0
TransitNo Nearby Transit
22
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1960

Materials

  • Foundation: Block
  • Roof: Metal,Asphalt
  • Construction materials: Block,Drywall,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Oven,Electric Water Heater,Microwave,Refrigerator,Washer/Dryer
  • Laundry features: Laundry Room,Main Level

Basement

  • Has basement: Yes
  • Basement: Crawl Space,Walk-Out Access

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedrooms & Bathrooms

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

Features

  • High Speed Internet,Ceiling Fan(s),Ceramic Tile Bath,Eat-in Kitchen
  • Door features: Storm Door(s)
  • Window features: Curtain Rods,Double Pane Windows
  • Flooring: Tile,Hardwood
  • Finished area below ground: 0
  • Finished area above ground: 775

Full Bathroom

  • Level: First

Heating & Cooling

  • Heating features: Forced Air,Propane
  • Cooling features: None

Interior Area

  • Total structure area: 775
  • Total interior livable area: 775 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Property

Details

  • Parcel number: 415289 218.20210.2
  • Special condition: Standard
  • Other equipment: None,Fuel Tank(s)

Features

  • Patio & porch: Pressure Treated Deck,Deck,Porch
  • Exterior features: None,Dock
  • Fencing: None
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake/River Across Rd,Beach Front,Deeded Water Access,Lake Front
  • Waterbody name: Saratoga Lake

Lot

  • Lot size: 10,454 sqft
  • Features: Level,Views,Cleared,Irregular Lot,Waterfront

Parking

  • Total spaces: 2
  • Parking features: Paved

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 $2,371$28,452
Home Insurance *$119$1,428
Property Taxes $496$5,952
Electricity $246$2,954
Total$3,232$38,784
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$110,811/yr
40% on housing$96,960/yr
45% on housing$86,186/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

$605This listing

vs Other Active Listings

Avg $/sqft

ZIP 12866$450
Saratoga County$303

vs Homes Sold Last Month

Median $/sqft

ZIP 12866$330
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
2026-08-17Price change$449,000
2026-07-10Price change$469,000
2026-05-15Listed for sale$499,000
2010-02-25Sold$64,900
2010-01-28Price change$64,900
2009-12-03Price change$69,900
2009-11-28Listed for sale$74,900
2009-09-15Sold$113,510

For Sale by Agent

AgentJohn Longo
BrokerageMiranda Real Estate Group Inc

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