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

Saratoga County and Malta Town property record for 31 Rum Cherry Rd, Malta, NY 12020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,904 sqft · built 1989
Lot Size	0.31 acres (13,504 sqft)
Owner	Individual Name on Record
Last Sale	$205,000 (Oct 2012)
Tax Bill	$5,646 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Jun 2023 Mortgage + 4 more
APN	`414089 230.6-2-37.1`

Property Details

APN / Parcel Number

Primary APN	`414089 230.6-2-37.1`
Alternative APN	`408923000600020370010000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,904 sqft Living Area
1st Floor Area	1,072 sqft
2nd Floor Area	832 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	13,504 sqft (0.31 acres)
Lot Width	124 ft Width
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	456 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	31 RUM CHERRY RD
City	BALLSTON SPA
State	NY
Zip	12020-4370
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDD
Legal Description	SIDE: N LOT 1334
Legal Block	2
Legal Lot Number	37.001
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 October 19, 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	31 RUM CHERRY RD, BALLSTON SPA, NY 12020-4370
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2023	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Jun 6, 2023	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Mar 24, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Nov 10, 2021	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Nov 15, 2019	Loan Modification, Mortgage · Conventional Mortgage MIDFIRST BK
Jan 4, 2017	Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 9, 2012 · Amount on Record
Deed Sale	Oct 9, 2012 · Amount on Record
Deed Book / Page	2012 / 37333
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARATOGA NY
Property Address	31 RUM CHERRY RD, MALTA, NY 12020-4370
Transaction Type	Mortgage
Record Updated	Nov 28, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028192
Date	Nov 6, 2023
Instrument	2023028192

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	313 Months
Due	Dec 1, 2049

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARATOGA NY
Property Address	31 RUM CHERRY RD, MALTA, NY 12020-4370
Transaction Type	Mortgage
Record Updated	Jun 27, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014412
Date	Jun 6, 2023
Instrument	2023014412

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	313 Months
Due	Jul 1, 2049

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARATOGA NY
Property Address	31 RUM CHERRY RD, MALTA, NY 12020-4370
Transaction Type	Mortgage
Record Updated	Apr 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010936
Date	Mar 24, 2022
Instrument	2022010936

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Apr 1, 2047

Interest

Rate Type	Adjustable Rate

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARATOGA NY
Property Address	31 RUM CHERRY RD, MALTA, NY 12020-4370
Transaction Type	Mortgage
Record Updated	Nov 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021040904
Date	Nov 10, 2021
Instrument	2021040904

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Dec 1, 2049

November 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SARATOGA NY
Property Address	31 RUM CHERRY RD, MALTA, NY 12020-4370
Document Number	0000002264
Instrument Date	Nov 15, 2019
Transaction Type	Mortgage
Record Updated	Feb 18, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 RUM CHERRY RD MALTA NY 120204370, MALTA, NY 12020-4370

Mortgage

Document Number	0000002264
Date	Jan 24, 2020
Instrument	2264

Lender

Name	MIDFIRST BK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 23, 2050

Interest

Rate Type	Fixed Rate
Rate	4%

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARATOGA NY
Property Address	31 RUM CHERRY RD, MALTA, NY 12020-4370
Document Number	0000005781
Instrument Date	Jan 4, 2017
Transaction Type	Mortgage
Record Updated	Aug 17, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 RUM CHERRY RD MALTA NY 120204370, MALTA, NY 12020-4370

Mortgage

Document Number	0000005781
Date	Feb 21, 2017
Instrument	5781

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	MONROE, LA 71203-4774

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 20, 2047

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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