16 Locust Rd, Malta (Ballston Spa), NY 12020 Property Records

Saratoga County and Malta Town property record for 16 Locust Rd, Malta, NY 12020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,700 sqft · built 2005
Lot Size	0.73 acres (31,799 sqft)
Owner	2 Individual Names on File
Last Sale	$20,000 (May 2004)
Tax Bill	$6,886 (2025)
Deeds & Mortgages	Mar 2018 Loan Modification
APN	`414089 218.6-1-94`

Property Details

APN / Parcel Number

Primary APN	`414089 218.6-1-94`
Alternative APNs	`408921800600010940000000` `414089 218.6-1-103`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,700 sqft Living Area
1st Floor Area	840 sqft
2nd Floor Area	860 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	31,799 sqft (0.73 acres)
Lot Dimensions	200 ft deep x 150 ft wide
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	306 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Well

Location & Zoning

Street Address	16 LOCUST RD
City	MALTA
State	NY
Zip	12020-6211
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Block	1
Legal Lot Number	103.000
Jurisdiction	SARATOGA NY
Township / Civil Division	MALTA
Census Block Group	1
Census Block	1001
Census Tract	61905

Owner

16 Locust Rd is owned by two individuals who acquired it in January 2008.

Source: Saratoga County and Malta Town records, as of April 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4158 SILVER BEACH RD, A, BALLSTON SPA, NY 12020-4206
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2004 · Amount on File
Deed Sale	May 27, 2004 · Amount on File
Deed Book / Page	1683 / 623
Last Transfer Date	Jan 17, 2008
Transfer Doc	0020080000002096
Record Updated	Jun 8, 2026

March 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SARATOGA NY
Property Address	16 LOCUST RD, BALLSTON SPA, NY 12020-6211
Document Number	0000015815
Instrument Date	Mar 26, 2018
Transaction Type	Mortgage
Record Updated	Jun 22, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 LOCUST RD BALLSTON SPA NY 120206211, BALLSTON SPA, NY 12020-6211

Mortgage

Document Number	0000015815
Date	Jun 1, 2018
Instrument	15815

Lender

Name	DITECH FIN'L
Address	TEMPE, AZ 85284

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	6.37%

Tax Assessment & Valuation

The 2025 property tax bill for 16 Locust Rd was $6,886.

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

Property Jurisdictions

Type	Name
State	New York
County	Saratoga County
County Subdivision	Malta Town
Unified School District	Ballston Spa Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,886.00	$483,000 Land $100,000 Building $383,000	$483,000 Land $100,000 Building $383,000
2023		$392,000 Land $100,000 Building $292,000	$392,000 Land $100,000 Building $292,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 16 Locust Rd; there have been 3 flood claims nearby since 2007.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on File median of 23 policies
Nearby Flood Policies	23 in force
Nearby Flood Claims	3 (2007–2011)
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Hurricane Irene, Aug 2011 · 2 claims

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

Wildfire risk around 16 Locust Rd 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	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 121 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Hudson Valley Wireless Fixed Wireless	200 / 20