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149 Cramer Rd, Malta (Ballston Spa), NY 12020 Property Records

Saratoga County and Malta Town property record for 149 Cramer Rd, Malta, NY 12020 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 3.5 ba · 3,507 sqft · built 2000
Lot Size2.41 acres (104,980 sqft)
Owner2 Individual Names on File
Tax Bill$9,512 (2025)
Deeds & MortgagesJul 2022 Line of Credit
May 2022 Transfer
+ 1 more
APN414089 230.-1-70

Property Details

APN / Parcel Number

Primary APN414089 230.-1-70
Alternative APNs
  • 408923000000010700000000
  • 414089 230.-1-88

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area3,507 sqft Living Area
1st Floor Area1,933 sqft
2nd Floor Area1,090 sqft
Upper Floors Area484 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2000
Effective Year BuiltEffective 2000
Architectural StyleColonial
Exterior MaterialAluminum/Vinyl
Lot Area104,980 sqft (2.41 acres)
Lot Width200 ft Width
Garage TypeAttached
Garage Area600 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area200 sqft
Shed1 Shed

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelOil
SewerSeptic
Water SourceWell

Location & Zoning

Street Address149 CRAMER RD
CityMALTA
StateNY
Zip12020-4323
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCREATED FROM 230.-1-212 & 218.-1-24.1 LIFE ESTAT ALSO BOOK 1556 PAGE 250
Legal Block1
Legal Lot Number88.000
JurisdictionSARATOGA NY
Township / Civil DivisionMALTA
Census Block Group1
Census Block1015
Census Tract61905

Owner

Source: Saratoga County and Malta Town records · APN 414089 230.-1-70

Assessment roll updated April 20, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address149 CRAMER RD, BALLSTON SPA, NY 12020-4323
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 25, 2022Deed of Trust, Mortgage · Line of Credit
CAPITAL COMMUNICATIONS FCU
May 04, 2022Quit Claim Deed, Transfer
Quitclaim
Mar 31, 2017Deed of Trust, Mortgage · Line of Credit
CAPITAL COMMUNICATIONS CU

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last Transfer DateMar 25, 2009
Transfer Doc0020090000013474
Record UpdatedJun 08, 2026

July 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSARATOGA NY
Property Address149 CRAMER RD, MALTA, NY 12020-4323
Transaction TypeMortgage
Record UpdatedFeb 26, 2024

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000024159
DateJul 25, 2022
Instrument2022024159
Lender
NameCAPITAL COMMUNICATIONS FCU
TypeCredit Union
Agreement
TypeLine of Credit
AmountAmount Recorded
Term181 Months
DueAug 01, 2037
Interest
Rate TypeAdjustable Rate

May 2022: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSARATOGA NY
Recording DateMay 04, 2022
Property Address149 CRAMER RD, MALTA, NY 12020-4323
Document Number0000015523
Instrument DateFeb 11, 2022
Instrument2022015523
Transaction TypeTransfer
Record UpdatedFeb 26, 2024

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address149 CRAMER RD, BALLSTON SPA, NY 12020-4323

March 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSARATOGA NY
Property Address149 CRAMER RD, MALTA, NY 12020-4323
Document Number0000011233
Instrument DateMar 31, 2017
Transaction TypeMortgage
Record UpdatedMay 15, 2017

Transferred To (Grantee/Buyer)

NameVerified Name
Address149 CRAMER RD BALLSTON SPA NY 120204323, BALLSTON SPA, NY 12020-4323

Mortgage

Document Number0000011233
DateApr 11, 2017
Instrument11233
Lender
NameCAPITAL COMMUNICATIONS CU
TypeCredit Union
AddressALBANY, NY 12205
Agreement
TypeLine of Credit
AmountAmount Recorded
Term60 Months
DueApr 10, 2022
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Saratoga County and Malta Town records · Assessment roll updated April 20, 2026 · Last verified April 2026

Property Jurisdictions

TypeName
StateNew York
CountySaratoga County
County SubdivisionMalta Town
Unified School DistrictBallston Spa Central School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$9,512.00$695,000 (+13.38%) Land $91,200 Building $603,800$695,000 (+13.38%) Land $91,200 Building $603,800
2023$613,000 Land $85,900 Building $527,100$613,000 Land $85,900 Building $527,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360910619051, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneNot on file
Flood Insurance CostPremium on Record
median of 23 individual NFIP policies nearby
Nearby Flood Policies23 in force
Nearby Flood Claims3 (2007–2011)
Most Recent ClaimAug 2011, river or lake flooding, Hurricane Irene
Claims By Storm
  • Hurricane Irene, Aug 2011 · 2 claims

Wildfire

Wildfire RiskLow
above 20% of the US · above 55% of New York
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 64 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000
Hudson Valley WirelessFixed Wireless (licensed-by-rule)200 / 20

May also be available at this address: Greenlight Networks Holding. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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