Saratoga County and Waterford Town property record for 126 3rd St, Waterford, NY 12188
| Property Type | Duplex |
|---|---|
| Details | 5 bd · 2 ba · 2,372 sqft · built 1900 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $267,000 (May 2022) |
| Tax Bill | $6,150 (2025) |
| Deeds & Mortgages | May 2022 Sale & Mortgage May 2017 Mortgage |
| APN | 415401 291.55-2-11 |
| Primary APN | 415401 291.55-2-11 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,372 sqft Total Area |
| 1st Floor Area | 1,514 sqft |
| 2nd Floor Area | 858 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 125 ft deep x 285 ft wide |
| Garage Type | Detached |
| Garage Area | 1,260 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Slab |
| Porch Area | 932 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 1 A02141 |
|---|---|
| Street Address | 126 3RD ST |
| City | WATERFORD |
| State | NY |
| Zip | 12188-1930 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Block | 2 |
| Legal Lot Number | 11.000 |
| Jurisdiction | SARATOGA NY |
| Township / Civil Division | WATERFORD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 62800 |
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 | 126 3RD ST, WATERFORD, NY 12188-1930 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 23, 2022 | Warranty Deed, Transfer · VA Mortgage USAA FSB |
| May 12, 2017 | Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 23, 2022 · Amount on Record |
| Deed Sale | May 23, 2022 · Amount on Record |
| Prior Sale | May 29, 2019 · Amount on Record |
| Deed Document Number | 202217615 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SARATOGA NY |
| Recording Date | May 23, 2022 |
| Property Address | 126 3RD ST, WATERFORD, NY 12188-1930 |
| Document Number | 0000017615 |
| Instrument Date | May 11, 2022 |
| Instrument | 2022017615 |
| Transaction Type | Transfer |
| Record Updated | Jun 14, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8 STONELEDGE DR APT 4, 4, TROY, NY 12182-3511 |
| Document Number | 0000017616 |
|---|---|
| Date | May 23, 2022 |
| Instrument | 2022017616 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SARATOGA NY |
| Property Address | 126 3RD ST, WATERFORD, NY 12188-1930 |
| Document Number | 0000015235 |
| Instrument Date | May 12, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 31, 2017 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Address | 126 3RD ST WATERFORD NY 121881930, WATERFORD, NY 12188-1930 |
| Document Number | 0000015235 |
|---|---|
| Date | May 18, 2017 |
| Instrument | 15235 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 17, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 1.75% |
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 | $6,150.00 | $201,000 (-) Land $33,000 Building $168,000 | $291,304 (+15.94%) Land $47,826 Building $243,478 |
| 2023 | $201,000 Land $33,000 Building $168,000 | $251,250 Land $41,250 Building $210,000 |
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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