1577 Division St, Galway, NY 12074 Property Records

Saratoga County and Charlton Town property record for 1577 Division St, Galway, NY 12074

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,756 sqft · built 1972
Lot Size	3.13 acres (136,343 sqft)
Owner	2 Individual Names on Record
Last Sale	$310,000 (Jun 2023)
Tax Bill	$4,309 (2025)
Deeds & Mortgages	Jun 2023 Sale Jul 2018 Line of Credit
APN	`412200 225.-1-61`

Property Details

APN / Parcel Number

Primary APN	`412200 225.-1-61`
Alternative APNs	`220022500000010610000000` `5 J01396`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,756 sqft Living Area
1st Floor Area	1,560 sqft
Upper Floors Area	196 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	136,343 sqft (3.13 acres)
Lot Width	351 ft Width
Garage Type	Attached
Garage Area	392 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	544 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	5 J01396
Street Address	1577 DIVISION ST
City	GALWAY
State	NY
Zip	12074-2607
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	1
Legal Lot Number	61.000
Jurisdiction	SARATOGA NY
Township / Civil Division	CHARLTON
Census Block Group	4
Census Block	4021
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	1577 DIVISION ST, GALWAY, NY 12074-2607
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2023	Warranty Deed, Transfer
Jul 30, 2018	Deed of Trust, Mortgage · Line of Credit SCHOOL SYSTEMS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2023 · Amount on Record
Deed Sale	Jun 9, 2023 · Amount on Record
Prior Sale	Mar 23, 2015 · Amount on Record
Deed Document Number	202314903
Prior Transfer Date	Sep 11, 2014
Prior Transfer Doc	0000002014/000002650
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SARATOGA NY
Recording Date	Jun 9, 2023
Property Address	1577 DIVISION ST, GALWAY, NY 12074-2607
Document Number	0000014903
Instrument Date	Jun 7, 2023
Instrument	2023014903
Transaction Type	Transfer
Record Updated	Jul 4, 2023

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	178 PINE HILL RD, COBLESKILL, NY 12043-7039

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARATOGA NY
Property Address	1577 DIVISION ST, GALWAY, NY 12074-2607
Document Number	0000030187
Instrument Date	Jul 30, 2018
Transaction Type	Mortgage
Record Updated	Oct 25, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6 CORTLAND DR BALLSTON LAKE NY 120192644, BALLSTON LAKE, NY 12019-2644

Mortgage

Document Number	0000030187
Date	Oct 9, 2018
Instrument	30187

Lender

Name	SCHOOL SYSTEMS FCU
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 8, 2038

Interest

Rate Type	Adjustable Rate

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	$4,309.00	$145,800 (-) Land $36,700 Building $109,100	$297,551 (+12.24%) Land $74,898 Building $222,653
2023		$145,800 (-) Land $36,700 Building $109,100	$265,091 (+14.55%) Land $66,727 Building $198,364
2022		$145,800 Land $36,700 Building $109,100	$231,429 Land $58,254 Building $173,175

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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.

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