22 Rum Cherry Rd, Malta (Ballston Spa), NY 12020 Property Records

Saratoga County and Malta Town property record for 22 Rum Cherry Rd, Malta, NY 12020

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,974 sqft · built 1988
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on Record
Last Sale	$240,000 (Sep 2006)
Tax Bill	$5,646 (2025)
Deeds & Mortgages	Feb 2021 Mortgage May 2017 Line of Credit
APN	`414089 230.6-2-10`

Property Details

APN / Parcel Number

Primary APN	`414089 230.6-2-10`
Alternative APN	`408923000600020100000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,974 sqft Living Area
1st Floor Area	948 sqft
2nd Floor Area	798 sqft
Upper Floors Area	228 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	14,375 sqft (0.33 acres)
Lot Width	85.3 ft Width
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	200 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	22 RUM CHERRY RD
City	MALTA
State	NY
Zip	12020-4369
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDD
Legal Description	SIDE: S LOT 1344
Legal Block	2
Legal Lot Number	10.000
Jurisdiction	SARATOGA NY
Township / Civil Division	MALTA
Census Block Group	2
Census Block	2000
Census Tract	61907

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	2 Individual Names on Record
Mailing Address	22 RUM CHERRY RD, BALLSTON SPA, NY 12020-4369
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2021	Deed of Trust, Mortgage · FHA Mortgage BALLSTON SPA NATIONAL BANK
May 8, 2017	Deed of Trust, Mortgage · Line of Credit BALLSTON SPA NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2006 · Amount on Record
Deed Sale	Sep 20, 2006 · Amount on Record
Deed Book / Page	1771 / 358
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARATOGA NY
Property Address	22 RUM CHERRY RD, MALTA, NY 12020-4369
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021005111
Date	Feb 10, 2021
Instrument	2021005111

Lender

Name	BALLSTON SPA NATIONAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2036

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARATOGA NY
Property Address	22 RUM CHERRY RD, MALTA, NY 12020-4369
Document Number	0000014789
Instrument Date	May 8, 2017
Transaction Type	Mortgage
Record Updated	May 25, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 RUM CHERRY RD MALTA NY 120204369, MALTA, NY 12020-4369

Mortgage

Document Number	0000014789
Date	May 15, 2017
Instrument	14789

Lender

Name	BALLSTON SPA NAT'L BK
Type	Bank
Address	BALLSTON SPA, NY 12020

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 14, 2037

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	Ballston Spa Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,646.00	$394,000 (+14.53%) Land $60,000 Building $334,000	$394,000 (+14.53%) Land $60,000 Building $334,000
2023		$344,000 Land $60,000 Building $284,000	$344,000 Land $60,000 Building $284,000

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
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

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	None beyond ember reach

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	MALTA WATER DISTRICT #1 serves 8,950 people · EPA ID NY4511620
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 182 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Greenlight Networks Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 35
Hudson Valley Wireless Fixed Wireless	200 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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