473 Garrett Rd, Ballston Spa, NY 12020 Property Records

Saratoga County and Ballston Town property record for 473 Garrett Rd, Ballston Spa, NY 12020

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,960 sqft · built 1955
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$288,000 (Feb 2024)
Tax Bill	$3,937 (2025)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Feb 2021 Refinance + 1 more
APN	`412089 216.-1-20`

Property Details

APN / Parcel Number

Primary APN	`412089 216.-1-20`
Alternative APNs	`208921600000010200000000` `5 J01720`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,960 sqft Living Area
1st Floor Area	1,960 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	161 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	256 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	5 J01720
Street Address	473 GARRETT RD
City	BALLSTON SPA
State	NY
Zip	12020-3512
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	1
Legal Lot Number	20.000
Jurisdiction	SARATOGA NY
Township / Civil Division	BALLSTON
Census Block Group	2
Census Block	2006
Census Tract	61701

Owner

Source: Saratoga County and Ballston Town records, as of April 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	473 GARRETT RD, BALLSTON SPA, NY 12020-3512
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2024	Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Feb 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance TCT FCU
Apr 15, 2022	Warranty Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 23, 2024 · Amount on File
Deed Sale	Feb 23, 2024 · Amount on File
Prior Sale	Apr 15, 2022 · Amount on File
Deed Document Number	20244639
Record Updated	Oct 29, 2026

February 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	SARATOGA NY
Recording Date	Feb 23, 2024
Property Address	473 GARRETT RD, BALLSTON SPA, NY 12020-3512
Document Number	0000004639
Instrument Date	Feb 6, 2024
Instrument	2024004639
Transaction Type	Transfer
Record Updated	Apr 20, 2026

Transaction

Amount	Amount on Record
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
Address	5101 BOULDER PATH, BALLSTON SPA, NY 12020-2591

Mortgage

Document Number	0000004640
Date	Feb 23, 2024
Instrument	2024004640

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARATOGA NY
Property Address	473 GARRETT RD, BALLSTON SPA, NY 12020-3512
Transaction Type	Mortgage
Record Updated	May 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003728
Date	Feb 1, 2021
Instrument	2021003728

Lender

Name	TCT FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Mar 1, 2031

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SARATOGA NY
Recording Date	Apr 15, 2022
Property Address	473 GARRETT RD, BALLSTON SPA, NY 12020-3512
Document Number	0000013471
Instrument Date	Feb 28, 2022
Instrument	2022013471
Transaction Type	Transfer
Record Updated	Jul 1, 2022

Transaction

Amount	Amount on Record
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
Address	21 BRADT RD, REXFORD, NY 12148-1104

Mortgage

Document Number	0000013472
Date	Apr 15, 2022
Instrument	2022013472

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

Tax Assessment & Valuation

Source: Saratoga County and Ballston Town assessment roll, as of April 20, 2026

Property Jurisdictions

Type	Name
State	New York
County	Saratoga County
County Subdivision	Ballston Town
Unified School District	Ballston Spa Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,937.00	$177,600 (-) Land $36,000 Building $141,600	$279,729 (+11.04%) Land $56,702 Building $223,027
2023		$177,600 Land $36,000 Building $141,600	$251,915 Land $51,064 Building $200,851

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	2 in force
Nearby Flood Claims	2 (2017–2019)
Most Recent Claim	Feb 2019 · river or lake flooding

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

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

Cell Coverage

5G and 4G LTE (outdoors only)

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