48 Devitt Rd, Waterford, NY 12188 Property Records

Saratoga County and Waterford Town property record for 48 Devitt Rd, Waterford, NY 12188

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,446 sqft · built 1968
Lot Size	0.62 acres (27,007 sqft)
Owner	2 Individual Names on File
Last Sale	$109,000 (Jan 2000)
Tax Bill	$4,398 (2025)
Deeds & Mortgages	Jul 2021 Refinance Oct 2020 Line of Credit + 1 more
APN	`415489 285.12-1-36`

Property Details

APN / Parcel Number

Primary APN	`415489 285.12-1-36`
Alternative APNs	`548928501200010360000000` `5 J01220`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,446 sqft Living Area
1st Floor Area	1,446 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	27,007 sqft (0.62 acres)
Lot Dimensions	180 ft deep x 150 ft wide
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Pool Type	Above-Ground Pool
Porch	Slab
Porch Area	1,069 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	5 J01220
Street Address	48 DEVITT RD
City	WATERFORD
State	NY
Zip	12188-1004
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	1
Legal Lot Number	36.000
Jurisdiction	SARATOGA NY
Township / Civil Division	WATERFORD
Census Block Group	1
Census Block	1012
Census Tract	62700

Owner

48 Devitt Rd is owned and occupied by two individuals who acquired it in February 2002.

Source: Saratoga County and Waterford Town records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	48 DEVITT RD, WATERFORD, NY 12188-1004
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Oct 29, 2020	Deed of Trust, Mortgage · Line of Credit CAPITAL COMMUNICATIONS FCU
Jun 17, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 28, 2000 · Amount on File
Deed Sale	Jan 28, 2000 · Amount on File
Deed Book / Page	1541 / 693
Last Transfer Date	Feb 11, 2002
Transfer Doc	1604000737
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARATOGA NY
Property Address	48 DEVITT RD, WATERFORD, NY 12188-1004
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021025569
Date	Jul 21, 2021
Instrument	2021025569

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	169 Months
Due	Aug 1, 2035

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARATOGA NY
Property Address	48 DEVITT RD, WATERFORD, NY 12188-1004
Document Number	0000031648
Instrument Date	Oct 29, 2020
Transaction Type	Mortgage
Record Updated	Dec 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 DEVITT RD WATERFORD NY 121881004, WATERFORD, NY 12188-1004

Mortgage

Document Number	0000031648
Date	Nov 12, 2020
Instrument	31648

Lender

Name	CAPITAL COMMUNICATIONS FCU
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Nov 11, 2035

Interest

Rate Type	Adjustable Rate

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARATOGA NY
Property Address	48 DEVITT RD, WATERFORD, NY 12188-1004
Document Number	0000017084
Instrument Date	Jun 17, 2019
Transaction Type	Mortgage
Record Updated	Jul 10, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	48 DEVITT RD WATERFORD NY 121881004, WATERFORD, NY 12188-1004

Mortgage

Document Number	0000017084
Date	Jun 21, 2019
Instrument	17084

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 20, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 48 Devitt Rd was $4,398.

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

Property Jurisdictions

Type	Name
State	New York
County	Saratoga County
County Subdivision	Waterford Town
Unified School District	Shenendehowa Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,398.00	$220,000 Land $52,400 Building $167,600	$318,841 Land $75,942 Building $242,899
2023		$220,000 Land $52,400 Building $167,600	$275,000 Land $65,500 Building $209,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 48 Devitt Rd; there have been 40 flood claims nearby since 1979.

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 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	40 (1979–2018)
Claims Outside the SFHA	1 of 40
Most Recent Claim	Apr 2018 · other causes
Claims by Event	Hurricane Irene, Aug 2011 · 10 claims Severe Storms And Flooding, Jan 1998 · 7 claims

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

Wildfire risk around 48 Devitt 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	Direct burnable vegetation

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	WATERFORD WATER WORKS (PURCHASE TROY) serves 9,800 people · EPA ID NY4500173
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2023
Lead	4 ppb (2026) 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 98 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Hudson Valley Wireless Fixed Wireless	200 / 20

May also be available: SLICFiber.

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