1571 Division St, Charlton (Ballston Lake), NY 12019 Property Records

Saratoga County and Charlton Town property record for 1571 Division St, Charlton, NY 12019

Property Summary

Property Type	Rural Home
Details	4 bd · 2.5 ba · 3,476 sqft · built 1993
Lot Size	10.1 acres (440,392 sqft)
Owner	2 Individual Names on Record
Last Sale	$371,000 (Mar 2018)
Tax Bill	$9,150 (2025)
Deeds & Mortgages	Apr 2021 Refinance Mar 2018 Sale & Mortgage
APN	`412200 225.-1-67`

Property Details

APN / Parcel Number

Primary APN	`412200 225.-1-67`
Alternative APNs	`220022500000010670000000` `5 J00753`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,476 sqft Living Area
1st Floor Area	1,922 sqft
2nd Floor Area	1,554 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Colonial
Exterior Material	Wood
Lot Area	440,392 sqft (10.1 acres)
Lot Width	385 ft Width
Garage Type	Attached
Garage Area	744 sqft
Parking Spaces	3 Parking Spaces
Pool Type	In-Ground Vinyl Pool
Porch	Slab
Porch Area	274 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	5 J00753
Street Address	1571 DIVISION ST
City	CHARLTON
State	NY
Zip	12019
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RA
Legal Description	LOT 8
Legal Block	1
Legal Lot Number	67.000
Jurisdiction	SARATOGA NY
Township / Civil Division	CHARLTON
Census Block Group	4
Census Block	4075
Census Tract	61600

Owner

Source: Saratoga County and Charlton 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	2 Individual Names on Record
Mailing Address	1571 DIVISION ST, AMSTERDAM, NY 12010-6810
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance USAA FSB
Mar 19, 2018	Warranty Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 19, 2018 · Amount on Record
Deed Sale	Mar 19, 2018 · Amount on Record
Prior Sale	Sep 5, 2012 · Amount on Record
Deed Document Number	20188108
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARATOGA NY
Property Address	1571 DIVISION ST, CHARLTON, NY 12019
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021013980
Date	Apr 19, 2021
Instrument	2021013980

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SARATOGA NY
Recording Date	Mar 19, 2018
Property Address	1571 DIVISION ST, CHARLTON, NY 12019
Document Number	0000008108
Instrument Date	Jan 31, 2018
Instrument	8108
Transaction Type	Transfer
Record Updated	Apr 3, 2018
Title Company	CASCADE SETTLEMENT AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,484.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7106 LAFAYETTE RD MIDDLE GROVE NY 128501464, MIDDLE GROVE, NY 12850-1464

Mortgage

Document Number	8109
Date	Mar 19, 2018
Instrument	8109

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 18, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,150.00	$309,600 (-) Land $47,200 Building $262,400	$631,837 (+12.24%) Land $96,327 Building $535,510
2023		$309,600 Land $47,200 Building $262,400	$562,909 Land $85,818 Building $477,091

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

FEMA Flood Zone	Not on file

Values are read at the parcel center point; 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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