175 Cramer Rd, Malta (Ballston Spa), NY 12020 Property Records

Saratoga County and Malta Town property record for 175 Cramer Rd, Malta, NY 12020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,159 sqft · built 1983
Lot Size	4.08 acres (177,725 sqft)
Owner	Individual Name on Record
Last Sale	$294,000 (Apr 2014)
Tax Bill	$8,061 (2025)
Deeds & Mortgages	Aug 2020 Mortgage
APN	`414089 230.-1-87`

Property Details

APN / Parcel Number

Primary APN	`414089 230.-1-87`
Alternative APNs	`41408923000000010040020000` `5 J02697`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	3,159 sqft Living Area
1st Floor Area	1,344 sqft
2nd Floor Area	576 sqft
Upper Floors Area	852 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Cape Cod
Exterior Material	Wood
Lot Area	177,725 sqft (4.08 acres)
Lot Width	460 ft Width
Garage Type	Mixed
Garage Area	1,399 sqft
Parking Spaces	5 Parking Spaces
Porch	Enclosed Porch
Porch Area	386 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	5 J02697
Street Address	175 CRAMER RD
City	MALTA
State	NY
Zip	12020-4323
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SIDE: N
Legal Block	1
Legal Lot Number	87.000
Jurisdiction	SARATOGA NY
Township / Civil Division	MALTA
Census Block Group	1
Census Block	1019
Census Tract	61905

Owner

Source: Saratoga County and Malta 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	Individual Name on Record
Mailing Address	175 CRAMER RD, BALLSTON SPA, NY 12020-4323
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 21, 2014 · Amount on Record
Deed Sale	Apr 21, 2014 · Amount on Record
Prior Sale	Dec 13, 2005 · Amount on Record
Deed Book / Page	2014 / 10892
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARATOGA NY
Property Address	175 CRAMER RD, MALTA, NY 12020-4323
Document Number	0000029132
Instrument Date	Aug 26, 2020
Transaction Type	Mortgage
Record Updated	Apr 13, 2021
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	175 CRAMER RD MALTA NY 120204323, MALTA, NY 12020-4323

Mortgage

Document Number	0000029132
Date	Oct 22, 2020
Instrument	29132

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 21, 2050

Tax Assessment & Valuation

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	$8,061.00	$589,000 (+16.4%) Land $94,500 Building $494,500	$589,000 (+16.4%) Land $94,500 Building $494,500
2023		$506,000 Land $88,500 Building $417,500	$506,000 Land $88,500 Building $417,500

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on Record 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

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 64 locations within half a mile, as of December 31, 2025

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

May also be available: Greenlight Networks.

Cell Coverage

5G and 4G LTE (outdoors only)

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