Saratoga County and Waterford Town property record for 108 3rd St, Waterford, NY 12188
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 2,214 sqft · built 1850 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $33,600 (Oct 2012) |
| Tax Bill | $4,895 (2025) |
| APN | 415401 291.63-2-48 |
| Primary APN | 415401 291.63-2-48 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,214 sqft Living Area |
| 1st Floor Area | 1,149 sqft |
| 2nd Floor Area | 1,065 sqft |
| Year Built | Built 1850 |
|---|---|
| Effective Year Built | Effective 1850 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 7,405 sqft (0.17 acres) |
| Lot Width | 60 ft Width |
| Garage Type | Detached |
| Garage Area | 816 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 276 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 1 A00377 |
|---|---|
| Street Address | 108 3RD ST |
| City | WATERFORD |
| State | NY |
| Zip | 12188-2425 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 2 |
| Legal Lot Number | 48.000 |
| Jurisdiction | SARATOGA NY |
| Township / Civil Division | WATERFORD |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 62800 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Waterford Village Historic District listed 1977 · 331 contributing resources · NRIS 77000982 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Saratoga County and Waterford Town records, as of April 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 108 3RD ST, 1, WATERFORD, NY 12188-2425 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 16, 2012 · Amount on Record |
| Deed Sale | Oct 16, 2012 · Amount on Record |
| Deed Book / Page | 2012 / 38435 |
| Prior Transfer Date | Feb 13, 2011 |
| Prior Transfer Doc | 0000012563 |
| Record Updated | Jun 8, 2026 |
Source: Saratoga County and Waterford Town assessment roll, as of April 20, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Saratoga County |
| County Subdivision | Waterford Town |
| Municipality | Waterford Village |
| Unified School District | Waterford-Halfmoon Union Free School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,895.00 | $160,000 (-) Land $27,000 Building $133,000 | $231,884 (+15.94%) Land $39,130 Building $192,754 |
| 2023 | $160,000 Land $27,000 Building $133,000 | $200,000 Land $33,750 Building $166,250 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Flood Insurance Cost | Premium on Record median of 46 policies |
| Nearby Flood Policies | 46 in force |
| Nearby Flood Claims | 203 (1979–2013) |
| Claims Outside the SFHA | 17 of 203 |
| Most Recent Claim | Jun 2013 · river or lake flooding |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WATERFORD WATER WORKS (PURCHASE TROY) serves 9,800 people · EPA ID NY4500173 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jun 2023 |
| Lead | 4 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 549 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| SLICFiber Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Hudson Valley Wireless Fixed Wireless | 200 / 20 |
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