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

Saratoga County and Malta Town property record for 28 Rum Cherry Rd, Malta, NY 12020

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,561 sqft · built 1987
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on Record
Last Sale	$410,000 (Aug 2025)
Tax Bill	$5,417 (2025)
Deeds & Mortgages	Aug 2025 Sale & Mortgage May 2020 Sale & Mortgage + 1 more
APN	`414089 230.6-2-7`

Property Details

APN / Parcel Number

Primary APN	`414089 230.6-2-7`
Alternative APN	`408923000600020070000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,561 sqft Living Area
1st Floor Area	923 sqft
Upper Floors Area	235 sqft
Basement Area	403 sqft
Finished Basement	403 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Lot Area	14,810 sqft (0.34 acres)
Lot Width	52.3 ft Width
Garage Type	Attached
Garage Area	273 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	700 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	28 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 1341
Legal Block	2
Legal Lot Number	7.000
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	83 REGENT ST, 1, SARATOGA SPRINGS, NY 12866-4564
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2025	Warranty Deed, Transfer · Stand-Alone First Mortgage HOMESTEAD FUNDING CORP
May 4, 2020	Warranty Deed, Transfer · FHA Mortgage SEFCU MTG SVCS
Jun 10, 2019	Deed of Trust, Mortgage · Line of Credit SEFCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2025 · Amount on Record
Deed Sale	Aug 14, 2025 · Amount on Record
Prior Sale	Aug 26, 2013 · Amount on Record
Deed Document Number	202521354
Record Updated	Oct 29, 2026

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SARATOGA NY
Recording Date	Aug 14, 2025
Property Address	28 RUM CHERRY RD, MALTA, NY 12020-4369
Document Number	0000021354
Instrument Date	Jul 29, 2025
Instrument	2025021354
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	STEWART TITLE, STEWART TITLE GUARANTY COMPA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Relationship	Joint Tenants
Address	83 REGENT ST APT 1, 1, SARATOGA SPRINGS, NY 12866-4564

Mortgage

Document Number	0000021355
Date	Aug 14, 2025
Instrument	2025021355

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SARATOGA NY
Recording Date	May 4, 2020
Property Address	28 RUM CHERRY RD, MALTA, NY 12020-4369
Document Number	0000010889
Instrument Date	Apr 29, 2020
Instrument	10889
Transaction Type	Transfer
Record Updated	Jun 9, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,160.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	108 GOLDFINCH LN BALLSTON SPA NY 120202656, BALLSTON SPA, NY 12020-2656

Mortgage

Document Number	10890
Date	May 4, 2020
Instrument	10890

Lender

Name	SEFCU MTG SVCS
Type	Mortgage Company
Address	ALBANY, NY 12206

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 3, 2050

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARATOGA NY
Property Address	28 RUM CHERRY RD, MALTA, NY 12020-4369
Document Number	0000017056
Instrument Date	Jun 10, 2019
Transaction Type	Mortgage
Record Updated	Jul 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 RUM CHERRY RD BALLSTON SPA NY 120204369, BALLSTON SPA, NY 12020-4369

Mortgage

Document Number	0000017056
Date	Jun 21, 2019
Instrument	17056

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jun 20, 2034

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	$5,417.00	$378,000 (+14.2%) Land $60,000 Building $318,000	$378,000 (+14.2%) Land $60,000 Building $318,000
2023		$331,000 Land $60,000 Building $271,000	$331,000 Land $60,000 Building $271,000

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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