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

Saratoga County and Malta Town property record for 191 Cramer Rd, Malta, NY 12020 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,440 sqft · built 1979
Lot Size	3.01 acres (131,116 sqft)
Owner	Individual Name on File
Last Sale	$430,000 (Aug 2024)
Tax Bill	$5,529 (2025)
Deeds & Mortgages	Aug 2024 Sale & Mortgage Jun 2021 Refinance + 1 more
APN	`414089 230.-1-4.3`

Property Details

APN / Parcel Number

Primary APN	`414089 230.-1-4.3`
Alternative APNs	`408923000000010040030000` `5 J03036`

Interior

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	840 sqft
2nd Floor Area	600 sqft

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Colonial
Exterior Material	Wood
Lot Area	131,116 sqft (3.01 acres)
Lot Width	415 ft Width
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	276 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	5 J03036
Street Address	191 CRAMER RD
City	MALTA
State	NY
Zip	12020-4323
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SIDE: N
Legal Block	1
Legal Lot Number	4.003
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 · APN 414089 230.-1-4.3

Assessment roll updated April 20, 2026 · Last verified April 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 File
Mailing Address	46-431 KAHUHIPA ST, D, KANEOHE, HI 96744-3523
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage NAVY FCU
Jun 23, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CAPITAL COMMUNICATIONS FCU
Mar 08, 2017	Deed of Trust, Mortgage · Conventional Mortgage CAPITAL COMMUNICATIONS CU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 30, 2024 · Amount on Record
Deed Sale	Aug 30, 2024 · Amount on Record
Prior Sale	May 27, 2010 · Amount on Record
Deed Document Number	202421741
Prior Transfer Date	Sep 28, 2007
Prior Transfer Doc	0020070000039315
Record Updated	Jun 08, 2026

August 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SARATOGA NY
Recording Date	Aug 30, 2024
Property Address	191 CRAMER RD, MALTA, NY 12020-4323
Document Number	0000021741
Instrument Date	Aug 16, 2024
Instrument	2024021741
Transaction Type	Transfer
Record Updated	Apr 20, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	46-431 KAHUHIPA ST APT D, D, KANEOHE, HI 96744-3523

Mortgage

Document Number	0000021742
Date	Aug 30, 2024
Instrument	2024021742

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.63%
Type Change Date	Sep 01, 2027
Max Rate At Change	2%
Index	5-Year CMT
Margin	2

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARATOGA NY
Property Address	191 CRAMER RD, MALTA, NY 12020-4323
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022175
Date	Jun 23, 2021
Instrument	2021022175

Lender

Name	CAPITAL COMMUNICATIONS FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Jul 01, 2031

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARATOGA NY
Property Address	191 CRAMER RD, MALTA, NY 12020-4323
Document Number	0000009078
Instrument Date	Mar 08, 2017
Transaction Type	Mortgage
Record Updated	May 12, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 CRAMER RD BALLSTON SPA NY 120204323, BALLSTON SPA, NY 12020-4323

Mortgage

Document Number	0000009078
Date	Mar 23, 2017
Instrument	9078

Lender

Name	CAPITAL COMMUNICATIONS CU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Mar 22, 2027

Tax Assessment & Valuation

Source: Saratoga County and Malta Town records · Assessment roll updated April 20, 2026 · Last verified April 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,529.00	$404,000 (+13.48%) Land $100,200 Building $303,800	$404,000 (+13.48%) Land $100,200 Building $303,800
2023		$356,000 Land $92,600 Building $263,400	$356,000 Land $92,600 Building $263,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360910619051, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on Record median of 23 individual NFIP policies nearby
Nearby Flood Policies	23 in force
Nearby Flood Claims	3 (2007–2011)
Most Recent Claim	Aug 2011, river or lake flooding, Hurricane Irene
Claims By Storm	Hurricane Irene, Aug 2011 · 2 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 64 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Hudson Valley Wireless	Fixed Wireless (licensed-by-rule)	200 / 20

May also be available at this address: Greenlight Networks Holding. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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