Saratoga County and Waterford Town property record for 16 Champlain St, Waterford, NY 12188
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,440 sqft · built 1890 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | Individual Name on File |
| Last Sale | $110,000 (Jul 2010) |
| Tax Bill | $3,651 (2025) |
| Deeds & Mortgages | Aug 2021 Refinance |
| APN | 415489 291.17-2-18 |
| Primary APN | 415489 291.17-2-18 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,440 sqft Living Area |
| 1st Floor Area | 720 sqft |
| 2nd Floor Area | 720 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 5,663 sqft (0.13 acres) |
| Lot Width | 50 ft Width |
| Porch | Slab |
| Porch Area | 432 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 5 J01006 |
|---|---|
| Street Address | 16 CHAMPLAIN ST |
| City | WATERFORD |
| State | NY |
| Zip | 12188-2211 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 2 |
| Legal Lot Number | 18.000 |
| Jurisdiction | SARATOGA NY |
| Township / Civil Division | WATERFORD |
| Census Block Group | 3 |
| Census Block | 3030 |
| Census Tract | 62700 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Northside Historic District listed 1975 · 126 contributing resources · NRIS 75001226 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
16 Champlain St is owned and occupied by an individual who bought it in July 2010.
Source: Saratoga County and Waterford Town records, as of April 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 16 CHAMPLAIN ST, WATERFORD, NY 12188-2211 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 27, 2010 · Amount on File |
| Deed Sale | Jul 27, 2010 · Amount on File |
| Deed Book / Page | 2010 / 23686 |
| Prior Transfer Date | Sep 29, 2006 |
| Prior Transfer Doc | 0017720370 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SARATOGA NY |
| Property Address | 16 CHAMPLAIN ST, WATERFORD, NY 12188-2211 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2021027732 |
|---|---|
| Date | Aug 5, 2021 |
| Instrument | 2021027732 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Sep 1, 2041 |
The 2025 property tax bill for 16 Champlain St was $3,651 with exemptions applied.
Source: Saratoga County and Waterford Town assessment roll, as of April 20, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Saratoga County |
| County Subdivision | Waterford Town |
| Unified School District | Waterford-Halfmoon Union Free School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,651.00 | $138,000 Land $20,500 Building $117,500 | $200,000 Land $29,710 Building $170,290 |
| 2023 | $138,000 Land $20,500 Building $117,500 | $172,500 Land $25,625 Building $146,875 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 16 Champlain St; there have been 4 flood claims nearby since 1996.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 4 (1996–1998) |
| Claims Outside the SFHA | 2 of 4 |
| Most Recent Claim | Jan 1998 · Severe Storms And Flooding |
| Claims by Event |
|
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.
Wildfire risk around 16 Champlain St is low, with a 0.01% annual chance of 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WATERFORD WATER WORKS (PURCHASE TROY) serves 9,800 people · EPA ID NY4500173 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jun 2023 |
| Lead | 4 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 75 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| SLICFiber Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Hudson Valley Wireless Fixed Wireless | 200 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures