105 Cold Spring Road, Saratoga Springs, NY, 12866
About This Home
Bright, spacious, and impeccably maintained townhome just a short distance from Saratoga Lake. The dramatic two-story living room is filled with natural light and opens to an airy loft above, ideal for a home office or flex space. The kitchen is functional and ready for your personal updates and design vision. Tile and hardwood flooring enhance the main level, while the primary bedroom features newer carpeting, a walk-in closet, and private balcony. Enjoy the private backyard, immaculate two-car garage, large foyer with powder room, and full dry basement with excellent storage or future finishing potential. Conveniently located near Saratoga Lake, Global Foundries, Saratoga Tech Park, shopping, dining, and everyday amenities. No HOA. No rental restrictions. Walking distance to south shore amenities including Brown's Beach. One mile from Saratoga Golf Club. Don't miss!
Getting Around
Car-Dependent
No Nearby Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2005
Materials
- Roof: Shingle
- Construction materials: Vinyl Siding
Type & Style
- Home type: Townhouse
- Property subType: Townhouse,Residential
Interior
Appliances
- Appliances included: Dishwasher,Electric Oven,Microwave,Refrigerator,Washer/Dryer
Basement
- Level: Basement
Basement
- Has basement: Yes
- Basement: Unfinished
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Dining Room
- Level: First
Features
- Eat-in Kitchen
- Flooring: Wood,Carpet,Ceramic Tile
- Number of fireplaces: 1
- Fireplace features: Electric,Living Room
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 2,109
Full Bathroom
- Level: Second
Full Bathroom
- Level: Second
Half Bathroom
- Level: First
Heating & Cooling
- Heating features: Natural Gas
- Cooling features: Central Air
Interior Area
- Total structure area: 2,109
- Total interior livable area: 2,109 sqft
Kitchen
- Level: First
Laundry
- Level: First
Living Room
- Level: First
Loft
- Level: Second
Primary Bathroom
- Level: Second
Primary Bedroom
- Level: Second
Property
Details
- Parcel number: 415289 230.1243.1
- Zoning description: Single Residence
- Special condition: Other
Features
- Patio & porch: Deck,Patio
- Exterior features: None
- Has spa: Yes
- Spa features: Bath
- Fencing: Privacy
Lot
- Lot size: 0.26 Acres
- Features: Private
Parking
- Total spaces: 2
- Parking features: Attached
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
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
- Lightning
- Strong Wind
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 | $2,371 | $28,452 |
| Home Insurance * | $119 | $1,428 |
| Property Taxes | $496 | $5,952 |
| Electricity | $348 | $4,182 |
| Total | $3,334 | $40,008 |
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)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-11 | Pending sale | $469,000 |
| 2026-07-28 | Price change | $469,000 |
| 2026-07-15 | Listed for sale | $489,900 |
| 2008-11-07 | Sold | $2,000 |
| 2005-08-03 | Sold | $319,900 |
| 2005-01-30 | Sold | $279,900 |
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