2 Locust Ct, Malta (Ballston Spa), NY 12020 Property Records

Saratoga County and Malta Town property record for 2 Locust Ct, Malta, NY 12020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,813 sqft · built 1978
Lot Size	0.6 acres (26,136 sqft)
Owner	2 Individual Names on File
Last Sale	$268,000 (Dec 2019)
Tax Bill	$5,242 (2025)
Deeds & Mortgages	Mar 2024 Transfer Apr 2021 Refinance + 1 more
APN	`414089 217.6-1-31`

Property Details

APN / Parcel Number

Primary APN	`414089 217.6-1-31`
Alternative APNs	`408921700600010310000000` `5 J02769`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,813 sqft Living Area
1st Floor Area	1,553 sqft
Upper Floors Area	260 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	26,136 sqft (0.6 acres)
Lot Dimensions	266 ft deep x 182 ft wide
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	493 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	5 J02769
Street Address	2 LOCUST CT
City	MALTA
State	NY
Zip	12020-2630
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDD
Legal Description	SIDE: S
Legal Block	1
Legal Lot Number	31.000
Jurisdiction	SARATOGA NY
Township / Civil Division	MALTA
Census Block Group	4
Census Block	4007
Census Tract	61904

Owner

2 Locust Ct is owned and occupied by two individuals who acquired it in January 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	2 LOCUST CT, BALLSTON SPA, NY 12020-2630
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2024	Quit Claim Deed, Transfer Quitclaim
Apr 30, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance TRUSTCO BANK
Dec 6, 2019	Warranty Deed, Transfer · Conventional with PMI TRUSTCO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2019 · Amount on File
Deed Sale	Dec 6, 2019 · Amount on File
Prior Sale	Nov 10, 2015 · Amount on File
Deed Document Number	201934929
Last Transfer Date	Jan 22, 2024
Transfer Doc	0000007509
Record Updated	Sep 20, 2026

March 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SARATOGA NY
Recording Date	Mar 27, 2024
Property Address	2 LOCUST CT, MALTA, NY 12020-2630
Document Number	0000007509
Instrument Date	Jan 22, 2024
Instrument	2024007509
Transaction Type	Transfer
Record Updated	Apr 16, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	6301 SHADY BROOK LN, DALLAS, TX 75206-1401

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARATOGA NY
Property Address	2 LOCUST CT, MALTA, NY 12020-2630
Transaction Type	Mortgage
Record Updated	May 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021015568
Date	Apr 30, 2021
Instrument	2021015568

Lender

Name	TRUSTCO BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SARATOGA NY
Recording Date	Dec 6, 2019
Property Address	2 LOCUST CT, MALTA, NY 12020-2630
Document Number	0000034929
Instrument Date	Nov 19, 2019
Instrument	34929
Transaction Type	Transfer
Record Updated	Dec 30, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,072.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	810 AL CONSTANTINO DR SCHENECTADY NY 123065873, SCHENECTADY, NY 12306-5873

Mortgage

Document Number	34930
Date	Dec 6, 2019
Instrument	34930

Lender

Name	TRUSTCO BK
Type	Bank
Address	ALBANY, NY 12205

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 5, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 2 Locust Ct was $5,242.

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	$5,242.00	$383,000 Land $60,000 Building $323,000	$383,000 Land $60,000 Building $323,000
2023		$329,000 Land $60,000 Building $269,000	$329,000 Land $60,000 Building $269,000

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 2 Locust Ct; 1 flood insurance policy is in force nearby.

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	1 in force

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 2 Locust Ct 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.

Drinking Water

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

Water System	NORTHWOOD WATER COMPANY private · serves 1,300 people · EPA ID NY4521804
Water Source	Groundwater
Last State Inspection	Nov 2022
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	28 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 67 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Hudson Valley Wireless Fixed Wireless	200 / 20

May also be available: T-Mobile.

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