11 Cottage St APT 7, Saratoga Springs, NY, 12866
About This Home
Live in the heart of Saratoga Springs in this beautifully updated end-unit condominium, ideally located blocks from the Saratoga Racetrack, a 5-minute walk to Broadway and Congress Park. Easy bike ride to Saratoga State Park. This rare downtown offering features hardwood floors throughout, central air conditioning and gas forced air heat, and a parking setup that is exceptionally hard to find downtown: a private garage plus one additional dedicated parking spot, with plenty of off-street parking nearby. A private patio and the privacy and natural light of an end unit further elevate this home. Inside, the condo offers one spacious bedroom and two full baths, with tasteful updates throughout. The finished lower level provides valuable bonus space, complete with a Murphy bed, making it ideal for guests, a home office, or flexible track-season living. Dedicated laundry in the basement adds everyday convenience. Whether you're seeking a primary residence, second home, or refined track-season retreat, this condo delivers exceptional walkability, modern comforts, and turnkey convenience in one of Saratoga Springs' most desirable locations.
Getting Around
Very Walkable
Some Transit
BikeableSchools
Construction
Condition
- Year built: 1984
Materials
- Roof: Shake / Shingle
- Construction materials: Metal
Type & Style
- Home type: Condo
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Microwave,Range / Oven,Refrigerator,Washer
Basement
- Basement: Finished
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 2
- Full bathrooms: 2
Features
- Flooring: Tile,Hardwood,Linoleum / Vinyl
Heating & Cooling
- Heating features: Forced air,Gas
- Cooling features: Central
Interior Area
- Total interior livable area: 720 sqft
Property
Details
- Parcel number: 411501165766107
Features
- Exterior features: Stone,Vinyl
- Has view: Yes
- View description: City
Lot
- Lot size: 871 sqft
Parking
- Total spaces: 2
- Parking features: Garage - Detached,Off-street,On-street
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 | $3,231 | $38,772 |
| Home Insurance * | $162 | $1,944 |
| Property Taxes | $676 | $8,112 |
| Electricity | $246 | $2,954 |
| Total | $4,315 | $51,780 |
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 |
|---|---|---|
| 2026-08-17 | Price change | $619,000 |
| 2026-07-08 | Price change | $639,000 |
| 2026-05-09 | Price change | $659,000 |
| 2026-05-08 | Listed for sale | $695,000 |
| 2018-12-06 | Sold | $315,000 |
| 2018-10-09 | Pending sale | $315,000 |
| 2018-10-05 | Listed for sale | $315,000 |
| 2010-06-02 | Sold | $248,000 |
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