Saratoga County and Malta Town property record for 115 Cramer Rd, Malta, NY 12020
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,016 sqft · built 1999 |
| Lot Size | 1.74 acres (75,794 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $68,000 (Oct 2008) |
| Tax Bill | $6,337 (2025) |
| Deeds & Mortgages | Dec 2019 Sale Dec 2016 Mortgage |
| APN | 414089 217.-2-33.22 |
| Primary APN | 414089 217.-2-33.22 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,016 sqft Living Area |
| 1st Floor Area | 1,344 sqft |
| Upper Floors Area | 672 sqft |
| Basement Area | 672 sqft |
| Finished Basement | 672 sqft |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 75,794 sqft (1.74 acres) |
| Lot Width | 300 ft Width |
| Garage Type | Detached |
| Garage Area | 960 sqft |
| Parking Spaces | 4 Parking Spaces |
| Pool Type | Above-Ground Pool |
|---|---|
| Pool Area | 452 sqft |
| Porch | Slab |
| Porch Area | 368 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 115 CRAMER RD |
|---|---|
| City | MALTA |
| State | NY |
| Zip | 12020-4323 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 2 SUBDIV NAME: R-360 BRUCE'S HOUSE ON CRAMER #115 CRAMER ROAD |
| Legal Block | 2 |
| Legal Lot Number | 33.022 |
| Jurisdiction | SARATOGA NY |
| Township / Civil Division | MALTA |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 61905 |
Source: Saratoga County and Malta 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 | 115 CRAMER RD, BALLSTON SPA, NY 12020-4323 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 6, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Dec 1, 2016 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 21, 2008 · Amount on Record |
| Deed Sale | Oct 21, 2008 · Amount on Record |
| Deed Book / Page | 2008 / 35586 |
| Prior Transfer Date | Oct 20, 2008 |
| Prior Transfer Doc | 0020080000035586 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SARATOGA NY |
| Recording Date | Dec 6, 2019 |
| Property Address | 115 CRAMER RD, MALTA, NY 12020-4323 |
| Document Number | 0000034888 |
| Instrument Date | Nov 8, 2019 |
| Instrument | 34888 |
| Transaction Type | Transfer |
| Record Updated | Dec 31, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,260.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9 THOMAS DR SCARBOROUGH ME 040748614, SCARBOROUGH, ME 04074-8614 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SARATOGA NY |
| Property Address | 115 CRAMER RD, MALTA, NY 12020-4323 |
| Document Number | 0000002086 |
| Instrument Date | Dec 1, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Feb 28, 2017 |
| Name | Verified Name |
|---|---|
| Address | 115 CRAMER RD BALLSTON SPA NY 120204323, BALLSTON SPA, NY 12020-4323 |
| Document Number | 0000002086 |
|---|---|
| Date | Jan 20, 2017 |
| Instrument | 2086 |
| Name | CITIZENS BK |
|---|---|
| Type | Bank |
| Address | GLEN ALLEN, VA 23058 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jan 19, 2027 |
Source: Saratoga County and Malta Town assessment roll, as of April 20, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Saratoga County |
| County Subdivision | Malta Town |
| Unified School District | Ballston Spa Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,337.00 | $463,000 (+13.48%) Land $81,100 Building $381,900 | $463,000 (+13.48%) Land $81,100 Building $381,900 |
| 2023 | $408,000 Land $78,300 Building $329,700 | $408,000 Land $78,300 Building $329,700 |
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 23 policies |
| Nearby Flood Policies | 23 in force |
| Nearby Flood Claims | 3 (2007–2011) |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
| 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 | Direct burnable vegetation |
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 | NORTHWOOD WATER COMPANY private · serves 1,300 people · EPA ID NY4521804 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2022 |
| Lead | 2 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 28 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 64 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Hudson Valley Wireless Fixed Wireless | 200 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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