Saratoga County and Stillwater Town property record for 28 Champlain Rd, Stillwater, NY 12170
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 982 sqft · built 1850 |
| Lot Size | 0.07 acres (3,049 sqft) |
| Owner | Individual Name on File |
| Last Sale | $165,000 (Apr 2023) |
| Tax Bill | $1,935 (2025) |
| Deeds & Mortgages | Apr 2023 Sale & Mortgage Jul 2018 Line of Credit |
| APN | 415201 243.84-4-35 |
| Primary APN | 415201 243.84-4-35 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 982 sqft Living Area |
| 1st Floor Area | 688 sqft |
| Upper Floors Area | 294 sqft |
| Year Built | Built 1850 |
|---|---|
| Effective Year Built | Effective 1850 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 3,049 sqft (0.07 acres) |
| Lot Width | 92 ft Width |
| Porch | Porch |
|---|---|
| Porch Area | 298 sqft |
| Shed | 1 Shed |
| Canopy | 104 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 1 A00153 |
|---|---|
| Street Address | 28 CHAMPLAIN RD |
| City | STILLWATER |
| State | NY |
| Zip | 12170-7702 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 4 |
| Legal Lot Number | 35.000 |
| Jurisdiction | SARATOGA NY |
| Township / Civil Division | STILLWATER |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 62100 |
28 Champlain Rd is owned and occupied by an individual who bought it in April 2023.
Source: Saratoga County and Stillwater Town records, as of April 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 28 CHAMPLAIN RD, STILLWATER, NY 12170-7702 |
| 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.
| Date | Document |
|---|---|
| Apr 12, 2023 | Warranty Deed, Transfer · Stand-Alone First Mortgage M & T BANK |
| Jul 3, 2018 | Deed of Trust, Mortgage · Line of Credit SEFCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 12, 2023 · Amount on File |
| Deed Sale | Apr 12, 2023 · Amount on File |
| Prior Sale | Nov 20, 2012 · Amount on File |
| Deed Document Number | 20239737 |
| Prior Transfer Date | Jun 16, 2005 |
| Prior Transfer Doc | 0017220609 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SARATOGA NY |
| Recording Date | Apr 12, 2023 |
| Property Address | 28 CHAMPLAIN RD, STILLWATER, NY 12170-7702 |
| Document Number | 0000009737 |
| Instrument Date | Mar 31, 2023 |
| Instrument | 2023009737 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 341 STILLWATER BRIDGE RD, SCHAGHTICOKE, NY 12154-3518 |
| Document Number | 0000009738 |
|---|---|
| Date | Apr 12, 2023 |
| Instrument | 2023009738 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SARATOGA NY |
| Property Address | 28 CHAMPLAIN RD, STILLWATER, NY 12170-7702 |
| Document Number | 0000020789 |
| Instrument Date | Jul 3, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 6, 2018 |
| Name | Verified Name |
|---|---|
| Address | 28 CHAMPLAIN RD STILLWATER NY 121707702, STILLWATER, NY 12170-7702 |
| Document Number | 0000020789 |
|---|---|
| Date | Jul 13, 2018 |
| Instrument | 20789 |
| Name | SEFCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12206 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 12, 2033 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 28 Champlain Rd was $1,935.
Source: Saratoga County and Stillwater Town assessment roll, as of April 20, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Saratoga County |
| County Subdivision | Stillwater Town |
| Municipality | Stillwater Village |
| Unified School District | Stillwater Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,935.00 | $88,000 Land $10,500 Building $77,500 | $147,899 Land $17,647 Building $130,252 |
| 2023 | $88,000 (-) Land $10,500 Building $77,500 | $131,343 (+13.43%) Land $15,672 Building $115,671 | |
| 2022 | $88,000 Land $4,900 Building $83,100 | $115,789 Land $6,447 Building $109,342 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 28 Champlain Rd; there have been 15 flood claims nearby since 1986.
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 File median of 21 policies |
| Nearby Flood Policies | 21 in force |
| Nearby Flood Claims | 15 (1986–2024) |
| Claims Outside the SFHA | 3 of 15 |
| Most Recent Claim | Aug 2024 · Severe Storm And Flooding |
| Claims by Event |
|
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 risk around 28 Champlain Rd 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | STILLWATER TOWN (SCWA) serves 3,000 people · EPA ID NY4530267 |
|---|---|
| Water Source | Purchased surface water from SARATOGA COUNTY WATER AUTHORITY |
| Last State Inspection | Nov 2025 |
| Lead | 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Jan 2018 |
|---|---|
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 136 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| SLICFiber Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Hudson Valley Wireless Fixed Wireless | 200 / 20 |
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