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18 Palmer Ter, Wilton (Gansevoort), NY 12831 Property Records

Saratoga County and Wilton Town property record for 18 Palmer Ter, Wilton, NY 12831

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,475 sqft · built 1983
Lot Size0.46 acres (20,038 sqft)
Owner2 Individual Names on File
Last Sale$181,000 (Jan 2013)
Tax Bill$3,442 (2025)
Deeds & MortgagesMay 2020 Mortgage
May 2020 Loan Modification
APN415600 127.15-1-55

Property Details

APN / Parcel Number

Primary APN415600 127.15-1-55
Alternative APN
  • 560012701500010550000000

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Stories1 Story
Building Area1,475 sqft Living Area
1st Floor Area1,244 sqft
Upper Floors Area231 sqft
Game RoomGame Room
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1983
Effective Year BuiltEffective 1983
Architectural StyleRanch
Exterior MaterialAluminum/Vinyl
Lot Area20,038 sqft (0.46 acres)
Lot Dimensions200 ft deep x 100 ft wide
Garage TypeAttached
Garage Area462 sqft
Parking Spaces2 Parking Spaces
PorchSlab

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelGas
SewerSeptic
Water SourceCommercial

Location & Zoning

Street Address18 PALMER TER
CityWILTON
StateNY
Zip12831-1768
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-1
Legal Block1
Legal Lot Number55.000
JurisdictionSARATOGA NY
Township / Civil DivisionWILTON
Census Block Group3
Census Block3017
Census Tract60705

Owner

18 Palmer Ter is owned and occupied by two individuals who bought it in January 2013.

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

Owner of Record2 Individual Names on File
Mailing Address18 PALMER TER, GANSEVOORT, NY 12831-1768
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
May 5, 2020Deed of Trust, Mortgage · Conventional Mortgage
SEFCU
May 5, 2020Loan Modification, Mortgage · Conventional Mortgage
SEFCU

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 23, 2013 · Amount on File
Deed SaleJan 23, 2013 · Amount on File
Prior SaleAug 3, 1995 · Amount on File
Deed Book / Page2013 / 3505
Record UpdatedOct 29, 2026

May 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSARATOGA NY
Property Address18 PALMER TER, WILTON, NY 12831-1768
Document Number0000012224
Instrument DateMay 5, 2020
Transaction TypeMortgage
Record UpdatedJul 9, 2020
Title CompanySMPR TITLE AGENCY INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address18 PALMER TER WILTON NY 128311768, WILTON, NY 12831-1768

Mortgage

Document Number0000012224
DateMay 19, 2020
Instrument12224
Lender
NameSEFCU
TypeCredit Union
AddressALBANY, NY 12206
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term180 Months
DueMay 18, 2035

May 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionSARATOGA NY
Property Address18 PALMER TER, WILTON, NY 12831-1768
Document Number0000012225
Instrument DateMay 5, 2020
Transaction TypeMortgage
Record UpdatedJul 9, 2020
Title CompanySMPR TITLE AGENCY INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address18 PALMER TER WILTON NY 128311768, WILTON, NY 12831-1768

Mortgage

Document Number0000012225
DateMay 19, 2020
Instrument12225
Lender
NameSEFCU
TypeCredit Union
AddressALBANY, NY 12206
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term180 Months
DueMay 18, 2035
Interest
Rate TypeFixed Rate
Rate2.5%

Tax Assessment & Valuation

The 2025 property tax bill for 18 Palmer Ter was $3,442 with a homeowner's exemption.

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

Property Jurisdictions

TypeName
StateNew York
CountySaratoga County
County SubdivisionWilton Town
Unified School DistrictSaratoga Springs City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,442.00$204,000 Land $45,600 Building $158,400$311,498 Land $69,629 Building $241,869
2023$204,000 Land $45,600 Building $158,400$283,300 Land $63,326 Building $219,974

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 18 Palmer Ter.

Source: FEMA National Flood Hazard Layer

FEMA Flood ZoneNot on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 18 Palmer Ter is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · above 54% of New York
Wildfire Likelihood0.01% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemWILTON WATER & SEWER AUTHORITY
public/private · serves 9,490 people · EPA ID NY4500186
Water SourcePurchased surface water from several systems
Last State InspectionJun 2025
Lead4 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 176 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 35
Verizon
Fixed Wireless		300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Palmer Ter

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