1581 Division St, Galway, NY 12074 Property Records

Saratoga County and Charlton Town property record for 1581 Division St, Galway, NY 12074

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,808 sqft · built 1973
Lot Size	2.13 acres (92,783 sqft)
Owner	Individual Name on Record
Last Sale	$119,000 (May 2002)
Tax Bill	$4,412 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Sep 2022 Refinance + 1 more
APN	`412200 225.-1-54`

Property Details

APN / Parcel Number

Primary APN	`412200 225.-1-54`
Alternative APNs	`220022500000010540000000` `5 J01332`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,808 sqft Living Area
1st Floor Area	1,184 sqft
Basement Area	624 sqft
Finished Basement	624 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	92,783 sqft (2.13 acres)
Lot Width	233 ft Width
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	308 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	5 J01332
Street Address	1581 DIVISION ST
City	GALWAY
State	NY
Zip	12074-2607
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	1
Legal Lot Number	54.000
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 September 11, 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	1581 DIVISION ST, GALWAY, NY 12074-2607
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2026	Deed of Trust, Mortgage · Conventional Mortgage STEWART'S FEDERAL CREDIT UNION
Sep 23, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance STEWARTS FEDERAL CREDIT UNION
Jun 4, 2020	Warranty Deed, Transfer · Conventional with PMI SEFCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 7, 2002 · Amount on Record
Deed Sale	May 7, 2002 · Amount on Record
Deed Book / Page	1611 / 482
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARATOGA NY
Recording Date	Aug 31, 2026
Property Address	1581 DIVISION ST, GALWAY, NY 12074-2607
Document Number	0000025226
Instrument Date	May 26, 2026
Instrument	202625226
Transaction Type	Mortgage
Record Updated	Sep 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1581 DIVISION ST, GALWAY, NY 12074-2607
Investor	Possibly a Property Investor

Mortgage

Document Number	0000025226,
Date	Aug 31, 2026
Instrument	202625226

Lender

Name	STEWART'S FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 31, 2041

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARATOGA NY
Property Address	1581 DIVISION ST, GALWAY, NY 12074-2607
Transaction Type	Mortgage
Record Updated	Oct 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030718
Date	Sep 23, 2022
Instrument	2022030718

Lender

Name	STEWARTS FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	85 Months
Due	Oct 1, 2029

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SARATOGA NY
Recording Date	Jun 4, 2020
Property Address	1581 DIVISION ST, GALWAY, NY 12074-2607
Document Number	0000013869
Instrument Date	Apr 28, 2020
Instrument	13869
Transaction Type	Transfer
Record Updated	Jul 27, 2020
Title Company	SMPR TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$924.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	735A GEYSER RD BALLSTON SPA NY 120202907, BALLSTON SPA, NY 12020-2907

Mortgage

Document Number	13870
Date	Jun 4, 2020
Instrument	13870

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 3, 2050

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	$4,412.00	$149,300 (-) Land $35,200 Building $114,100	$304,694 (+12.24%) Land $71,837 Building $232,857
2023		$149,300 Land $35,200 Building $114,100	$271,455 Land $64,000 Building $207,455

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 13 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

Cell Coverage

5G and 4G LTE (outdoors only)

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