2159 Rowley Rd, Malta (Ballston Spa), NY 12020 Property Records

Saratoga County and Malta Town property record for 2159 Rowley Rd, Malta, NY 12020

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,487 sqft · built 1997
Lot Size	2.16 acres (94,090 sqft)
Owner	Individual Name on Record
Last Sale	$360,000 (May 2016)
Tax Bill	$5,569 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Feb 2018 Line of Credit
APN	`414089 192.-1-34.2`

Property Details

APN / Parcel Number

Primary APN	`414089 192.-1-34.2`
Alternative APN	`408919200000010340020000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,487 sqft Living Area
1st Floor Area	928 sqft
Upper Floors Area	775 sqft
Basement Area	784 sqft
Finished Basement	784 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Contemporary
Exterior Material	Wood
Lot Area	94,090 sqft (2.16 acres)
Lot Width	404 ft Width
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	420 sqft
Porch	Slab
Porch Area	270 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	2159 ROWLEY RD
City	BALLSTON SPA
State	NY
Zip	12020-4123
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	SIDE: W LOT 1
Legal Block	1
Legal Lot Number	34.002
Jurisdiction	SARATOGA NY
Township / Civil Division	MALTA
Census Block Group	2
Census Block	2006
Census Tract	61905

Owner

Source: Saratoga County and Malta Town records, as of July 13, 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	2159 ROWLEY RD, BALLSTON SPA, NY 12020-4123
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2024	Warranty Deed, Transfer · ARM SARATOGA NATIONAL BANK & TRUST
Feb 16, 2018	Deed of Trust, Mortgage · Line of Credit SARATOGA NAT'L BK & TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 13, 2016 · Amount on Record
Deed Sale	May 13, 2016 · Amount on Record
Deed Book / Page	2016 / 14235
Last Transfer Date	Jan 26, 2024
Transfer Doc	0000003606
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SARATOGA NY
Recording Date	Feb 12, 2024
Property Address	2159 ROWLEY RD, MALTA, NY 12020-4123
Document Number	0000003606
Instrument Date	Jan 26, 2024
Instrument	2024003606
Transaction Type	Transfer
Record Updated	Mar 5, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2159 ROWLEY RD, MALTA, NY 12020-4123

Mortgage

Document Number	0000003607
Date	Feb 12, 2024
Instrument	2024003607

Lender

Name	SARATOGA NATIONAL BANK & TRUST

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	Feb 1, 2031
Index	1-Year CMT
Margin	3

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARATOGA NY
Property Address	2159 ROWLEY RD, MALTA, NY 12020-4123
Document Number	0000006421
Instrument Date	Feb 16, 2018
Transaction Type	Mortgage
Record Updated	Mar 19, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2159 ROWLEY RD MALTA NY 120204123, MALTA, NY 12020-4123

Mortgage

Document Number	0000006421
Date	Mar 2, 2018
Instrument	6421

Lender

Name	SARATOGA NAT'L BK & TR
Type	Bank
Address	SARATOGA SPRINGS, NY

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	Saratoga Springs City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,569.00	$594,000 (+13.58%) Land $87,400 Building $506,600	$594,000 (+13.58%) Land $87,400 Building $506,600
2023		$523,000 Land $83,100 Building $439,900	$523,000 Land $83,100 Building $439,900

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 18 policies
Nearby Flood Policies	18 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

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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