1585 Division St, Galway, NY 12074 Property Records

Saratoga County and Charlton Town property record for 1585 Division St, Galway, NY 12074

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,304 sqft · built 1992
Lot Size	2.37 acres (103,237 sqft)
Owner	Company Name on Record
Last Sale	$425,000 (Sep 2025)
Tax Bill	$4,215 (2025)
Deeds & Mortgages	Sep 2025 Sale Jul 2021 Refinance + 1 more
APN	`412200 225.-1-56.1`

Property Details

APN / Parcel Number

Primary APN	`412200 225.-1-56.1`
Alternative APNs	`220022500000010560010000` `5 J00051`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,304 sqft Living Area
1st Floor Area	1,062 sqft
Upper Floors Area	242 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	103,237 sqft (2.37 acres)
Lot Width	204 ft Width
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	192 sqft
Shed	1 Shed
Canopy	76 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	5 J00051
Street Address	1585 DIVISION ST
City	GALWAY
State	NY
Zip	12074-2607
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	1
Legal Lot Number	56.001
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	Company Name on Record
Mailing Address	10 DUNCAN LN, JOHNSTOWN, NY 12095-3318
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2025	Deed, Transfer
Jul 23, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE
Nov 17, 2020	Warranty Deed, Transfer · FHA Mortgage EQUITY PRIME MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 2025 · Amount on Record
Deed Sale	Sep 9, 2025 · Amount on Record
Prior Sale	Nov 17, 2020 · Amount on Record
Deed Document Number	202523629
Record Updated	Oct 29, 2026

September 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	SARATOGA NY
Recording Date	Sep 9, 2025
Property Address	1585 DIVISION ST, GALWAY, NY 12074-2607
Document Number	0000023629
Instrument Date	Sep 5, 2025
Instrument	2025023629
Transaction Type	Transfer
Record Updated	Oct 1, 2025

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	10 DUNCAN LN, JOHNSTOWN, NY 12095-3318

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARATOGA NY
Property Address	1585 DIVISION ST, GALWAY, NY 12074-2607
Transaction Type	Mortgage
Record Updated	Aug 18, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021026003
Date	Jul 23, 2021
Instrument	2021026003

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SARATOGA NY
Recording Date	Nov 17, 2020
Property Address	1585 DIVISION ST, GALWAY, NY 12074-2607
Document Number	0000032312
Instrument Date	Oct 26, 2020
Instrument	2020032312
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	COLEMAN ST, CHATHAM, NY 12037

Mortgage

Document Number	0000032313
Date	Nov 17, 2020
Instrument	2020032313

Lender

Name	EQUITY PRIME MTG

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

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	$4,215.00 (+10.4%)	$163,800 (-) Land $35,600 Building $128,200	$334,286 (+4.08%) Land $72,653 Building $261,633
2024	$3,818.00 Disabled Person's exemption Veteran's exemption	$163,800 (-) Land $35,600 Building $128,200	$321,176 (+7.84%) Land $69,804 Building $251,372
2023		$163,800 Land $35,600 Building $128,200	$297,818 Land $64,727 Building $233,091

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 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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