49 Devitt Rd, Waterford, NY 12188 Property Records

Saratoga County and Waterford Town property record for 49 Devitt Rd, Waterford, NY 12188

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,174 sqft · built 1861
Lot Size	0.82 acres (35,719 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Oct 2026)
Tax Bill	$5,398 (2025)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Mar 2024 Line of Credit + 5 more
APN	`5 J01487`

Property Details

APN / Parcel Number

Primary APN	`5 J01487`
Alternative APNs	`41548928501200010460000000` `415489 285.12-1-46.1`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,174 sqft Living Area
1st Floor Area	1,454 sqft
2nd Floor Area	480 sqft
Upper Floors Area	240 sqft
Basement Area	1,454 sqft
Finished Basement	1,454 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1861
Effective Year Built	Effective 1861
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	35,719 sqft (0.82 acres)
Lot Width	151 ft Width
Garage Type	Detached
Porch	Slab
Porch Area	881 sqft
Greenhouse	Greenhouse

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	5 J01487
Street Address	49 DEVITT RD
City	WATERFORD
State	NY
Zip	12188-1003
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	1
Legal Lot Number	46.001
Jurisdiction	SARATOGA NY
Township / Civil Division	WATERFORD
Census Block Group	1
Census Block	1011
Census Tract	62700

Owner

49 Devitt Rd is owned and occupied by two individuals who bought it in October 2026.

Source: Saratoga County and Waterford Town records, as of October 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	49 DEVITT RD, WATERFORD, NY 12188-1003
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
Oct 6, 2026	Warranty Deed, Transfer · Conventional Mortgage TRUSTCO BANK
Mar 12, 2024	Deed of Trust, Mortgage · Line of Credit BROADVIEW FEDERAL CREDIT UNION
Apr 29, 2020	Deed of Trust, Mortgage · Line of Credit TCT FCU
Feb 12, 2020	Warranty Deed, Transfer · Conventional Mortgage SEFCU
Sep 30, 2019	Grant Deed, Transfer · Conventional with PMI CAPITAL COMMUNICATIONS FCU
Jan 17, 2019	Quit Claim Deed, Transfer SMPR TITLE
Jul 19, 2018	Grant Deed, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE INS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2026 · Amount on File
Deed Sale	Oct 6, 2026 · Amount on File
Prior Sale	Feb 12, 2020 · Amount on File
Deed Document Number	202629037
Prior Transfer Date	Jan 4, 2019
Prior Transfer Doc	0000001769
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SARATOGA NY
Recording Date	Oct 6, 2026
Property Address	49 DEVITT RD, WATERFORD, NY 12188-1003
Document Number	0000029037
Instrument Date	Sep 25, 2026
Instrument	202629037
Transaction Type	Transfer
Record Updated	Oct 16, 2026
Title Company	CATAL TITLE, CATIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$161,600.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49 DEVITT RD, WATERFORD, NY 12188-1003

Mortgage

Document Number	0000029038,
Date	Oct 6, 2026
Instrument	202629038

Lender

Name	TRUSTCO BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 25, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARATOGA NY
Property Address	49 DEVITT RD, WATERFORD, NY 12188-1003
Transaction Type	Mortgage
Record Updated	Apr 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006291
Date	Mar 12, 2024
Instrument	2024006291

Lender

Name	BROADVIEW FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2044

Interest

Rate Type	Adjustable Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARATOGA NY
Property Address	49 DEVITT RD, WATERFORD, NY 12188-1003
Document Number	0000011312
Instrument Date	Apr 29, 2020
Transaction Type	Mortgage
Record Updated	Jul 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49 DEVITT RD WATERFORD NY 121881003, WATERFORD, NY 12188-1003

Mortgage

Document Number	0000011312
Date	May 8, 2020
Instrument	11312

Lender

Name	TCT FCU
Type	Credit Union
Address	BALLSTON SPA, NY 12020-2684

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	May 7, 2045

Interest

Rate Type	Adjustable Rate

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SARATOGA NY
Recording Date	Feb 12, 2020
Property Address	49 DEVITT RD, WATERFORD, NY 12188-1003
Document Number	0000004269
Instrument Date	Jan 23, 2020
Instrument	4269
Transaction Type	Transfer
Record Updated	Mar 20, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,154.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	27 SAGE LN FORT EDWARD NY 128282485, FORT EDWARD, NY 12828-2485

Mortgage

Document Number	4270
Date	Feb 12, 2020
Instrument	4270

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 11, 2050

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SARATOGA NY
Recording Date	Sep 30, 2019
Property Address	49 DEVITT RD, WATERFORD, NY 12188-1003
Document Number	0000027620
Instrument Date	Sep 27, 2019
Instrument	27620
Transaction Type	Transfer
Record Updated	Mar 20, 2020
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE INS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$728.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 N PARKWOOD DR CLIFTON PARK NY 120652541, CLIFTON PARK, NY 12065-2541

Mortgage

Document Number	27621
Date	Sep 30, 2019
Instrument	27621

Lender

Name	CAPITAL COMMUNICATIONS FCU
Address	ALBANY, NY 12205

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 29, 2049

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SARATOGA NY
Recording Date	Jan 17, 2019
Property Address	49 DEVITT RD, WATERFORD, NY 12188-1003
Document Number	0000001769
Instrument Date	Jan 4, 2019
Instrument	2019001769
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	SMPR TITLE

Transaction

Amount	Amount on Record
Tax	$1,080.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 KILBURN CT, COHOES, NY 12047-4989

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SARATOGA NY
Recording Date	Jul 19, 2018
Property Address	49 DEVITT RD, WATERFORD, NY 12188-1003
Document Number	0000021332
Instrument Date	Jul 12, 2018
Instrument	21332
Transaction Type	Transfer
Record Updated	Mar 20, 2020
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE INS

Transaction

Amount	Amount on Record
Tax	$460.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	57 DEVITT RD WATERFORD NY 121881003, WATERFORD, NY 12188-1003

Tax Assessment & Valuation

The 2025 property tax bill for 49 Devitt Rd was $5,398.

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	$5,398.00	$270,000 Land $56,400 Building $213,600	$391,304 Land $81,739 Building $309,565
2023		$270,000 Land $56,400 Building $213,600	$337,500 Land $70,500 Building $267,000

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 49 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 49 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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