124 Oak St, Ballston Spa, NY 12020 Property Records

Saratoga County and Ballston Town property record for 124 Oak St, Ballston Spa, NY 12020

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1993
Lot Size	0.83 acres (36,155 sqft)
Owner	2 Individual Names on Record
Last Sale	$50,000 (Aug 2022)
Tax Bill	$2,708 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Aug 2022 Sale + 2 more
APN	`412089 216.42-2-7.1`

Property Details

APN / Parcel Number

Primary APN	`412089 216.42-2-7.1`
Alternative APNs	`208921604200020070010000` `5 L02255`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	36,155 sqft (0.83 acres)
Lot Width	202 ft Width
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	5 L02255
Street Address	124 OAK ST
City	BALLSTON SPA
State	NY
Zip	12020-3646
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	2
Legal Lot Number	7.001
Jurisdiction	SARATOGA NY
Township / Civil Division	BALLSTON
Census Block Group	2
Census Block	2000
Census Tract	61701

Owner

Source: Saratoga County and Ballston Town records, as of April 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	124 OAK ST, BALLSTON SPA, NY 12020-3646
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2022	Deed of Trust, Mortgage · Line of Credit SUNMARK FCU
Aug 25, 2022	Warranty Deed, Transfer
Feb 4, 2020	Deed of Trust, Mortgage SUNMARK CU
Nov 30, 2017	Deed of Trust, Mortgage · Conventional with PMI SUNMARK FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2022 · Amount on Record
Deed Sale	Aug 25, 2022 · Amount on Record
Prior Sale	Jun 6, 2002 · Amount on Record
Deed Document Number	202227625
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARATOGA NY
Property Address	124 OAK ST, BALLSTON SPA, NY 12020-3646
Transaction Type	Mortgage
Record Updated	Sep 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030635
Date	Sep 23, 2022
Instrument	2022030635

Lender

Name	SUNMARK FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2042

Interest

Rate Type	Adjustable Rate

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SARATOGA NY
Recording Date	Aug 25, 2022
Property Address	124 OAK ST, BALLSTON SPA, NY 12020-3646
Document Number	0000027625
Instrument Date	Aug 24, 2022
Instrument	2022027625
Transaction Type	Transfer
Record Updated	Sep 20, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 OAK ST, BALLSTON SPA, NY 12020-3646

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARATOGA NY
Property Address	124 OAK ST, BALLSTON SPA, NY 12020-3646
Document Number	0000004992
Instrument Date	Feb 4, 2020
Transaction Type	Mortgage
Record Updated	Mar 12, 2020
Title Company	STEWART TITLE, STEWART TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 OAK ST BALLSTON SPA NY 120203646, BALLSTON SPA, NY 12020-3646

Mortgage

Document Number	0000004992
Date	Feb 20, 2020
Instrument	4992

Lender

Name	SUNMARK CU
Address	LATHAM, NY 12110

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 19, 2050

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARATOGA NY
Property Address	124 OAK ST, BALLSTON SPA, NY 12020-3646
Document Number	0000039227
Instrument Date	Nov 30, 2017
Transaction Type	Mortgage
Record Updated	Mar 6, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 OAK ST BALLSTON SPA NY 120203646, BALLSTON SPA, NY 12020-3646

Mortgage

Document Number	0000039227
Date	Dec 11, 2017
Instrument	39227

Lender

Name	SUNMARK FCU
Type	Credit Union
Address	LATHAM, NY 12110

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 10, 2047

Tax Assessment & Valuation

Source: Saratoga County and Ballston Town assessment roll, as of April 20, 2026

Property Jurisdictions

Type	Name
State	New York
County	Saratoga County
County Subdivision	Ballston Town
Unified School District	Ballston Spa Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,708.00	$122,200 (-) Land $48,300 Building $73,900	$192,471 (+11.04%) Land $76,075 Building $116,396
2023		$122,200 (-) Land $48,300 Building $73,900	$173,333 (+8.16%) Land $68,511 Building $104,822
2022		$122,200 Land $48,300 Building $73,900	$160,262 Land $63,344 Building $96,918

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (2017–2019)
Most Recent Claim	Feb 2019 · river or lake flooding

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.

Wildfire

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BALLSTON SPA VILLAGE serves 6,541 people · EPA ID NY4500162
Water Source	Groundwater
Last State Inspection	Jan 2024
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 119 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: SLICFiber.

Nearby Properties on Oak St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures