1057 Nys Route 9N · Saratoga Springs, NY 12866

$265,000

3 bd · 2.0 ba · 2,336 sqft · MultiFamily public records · 256 Days on market

Built 1953 0.26 ac lot $113/sqft · 67% below area

---

Why this score? — see what drove the B grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Schools +6.1/10.0
• Rent growth +4.8/5.0
• Livability +4.1/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Multi-family units

County records classify this as Multi-Family (2-4 Unit). Listing-text estimate: 2 units. confirmed

Listing remarks MLS

Investor's Dream or Owner-Occupant Opportunity in the Saratoga Springs School District! This spacious duplex offers 6 bedrooms, 4 full bathrooms across two well-appointed units—perfect for generating rental income or living in one side while your tenants help pay the mortgage. Each unit features a mix of hardwood floors, carpet, and vinyl flooring, providing durability and character. With over 3,000 sqft (approx.), there's plenty of space for large households or strong rental demand. Investors will appreciate the flexible floor plan, and prime location in a top school district—making it highly attractive to long-term renters. Owner-occupants will love the ability to build equity while enjoying the benefits of homeownership with supplemental income. The property sits in a desirable Saratoga Springs area, close to schools, shopping, dining, and major commuter routes. Off-street parking and outdoor space add convenience and value. Whether you're looking to expand your rental portfolio, start house-hacking, or secure a multi-family property, this duplex checks every box. This property is eligible under the First Look Initiative which expires after 30 full days on market. No investor offers until first look period expires. No offers regardless of buyer type will not be negotiated within the first 7 days of listing. - Photo sheet must be attached with the MLS. - All offers must be entered through propoffers.com. - An offer management fee of $200 (plus tax where applicable) is charged by Pyramid Platform in connection with the use of Propoffers.com. This fee will be paid at closing from the agent representing the buyer as selling agent or transaction broker. - Subject to seller addendum - For financed offers EMD to be 1% or $1000 whichever is greater and for cash offers EMD to be 5% or $5000 whichever is greater. - All offers are subject to OFAC clearance - A viewing release must be signed and returned to our office before showing this property.

Key facts

• Updated systems
• Flexible floor plan
• Outdoor space

Tags

• FLEXIBLE FLOOR PLAN
• UPDATED SYSTEMS
• PRIME LOCATION
• OFF-STREET PARKING
• OUTDOOR SPACE

What this means for you Summary

Snapshot

• This is a 2 × 3-bed/2.0-bath units multifamily listed at $265k.

Deal economics

• At list price, monthly cash flow is $3k ($31k/yr) — positive. Per door: $1k/mo.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($6k rent vs $265k).
• Recommended offer: $233k (12.0% below list) — sets the bar for market timing.
• Cap rate 17.8% vs local median 2.0% in Saratoga Springs — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 82/100 on livability (#83 in NY, #1,284 nationally) — a professional / high-income tenant draw. Strengths: employment A+, housing A+, schools A; Watch: amenities D+, cost of living F.
• Saratoga Springs City SD (suburban): math 67% / reading 72% proficiency, ranked #138 of 590 in NY (top 23%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease; only 15% free/reduced lunch — higher-income household profile.
• Market conditions: Rents rising fast (+9.2%/yr); 474 active listings in the ZIP; solid renter incomes; 1,132 units permitted in Saratoga County in 2024 (378 in 5+ unit buildings).
• At $5,515/mo this rent would consume 65% of the median local household income ($102k/yr) (locally 1424% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k of value loss. Plan a longer hold.
• Saratoga County population projected at +4% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (-3.0% appreciation + 8.0% rent growth), your $74k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• It's been on market 256 days — a 12% lower offer ($233k) is reasonable based on typical stale-listing flexibility.
• 8 sale attempts since 16y ago; this cycle's ask has dropped $60k (18%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1953 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $233,200 (12.0% below list)

Questions for the listing agent

1. It's been on market 256 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Can we see the unit-by-unit rent roll, current vacancy, and any below-market leases? What's the average tenancy length?
3. What capital expenditures (roof, boiler, parking lot, exteriors) have been made in the last 5 years, and what's planned in the next 2?
4. Built in 1953 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
7. Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
8. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
9. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
10. How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 2.08% ✓
• Cap rate: 17.82%
• Cash-on-cash: 41.18%
• DSCR: 2.83
• GRM: 4.0

CMA / ARV

• ARV (median comp): $811,149
• List price: $265,000
• Delta: -67.33%
• Verdict: UNDERPRICED
• Comps: 1 within 2.0 mi

Projected returns pro-forma

-3.0% appreciation · 8.0% rent growth · sell at horizon

5-year hold

• IRR: 43.3%
• Equity multiple: 3.00×
• Total profit: $148,443
• Equity at exit: $39,512

10-year hold

• IRR: 51.6%
• Equity multiple: 7.35×
• Total profit: $471,019
• Equity at exit: $22,912

Cash invested: $74,200 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 15 Strongly Tenant-Friendly
• State New York: 15 Strongly Tenant-Friendly · D+10
• County: — inherits STATE
• City: — inherits STATE

NYC rent stabilization (~1M units); 2019 HSTPA strengthened tenant rights; courts deeply backlogged.

Methodology + full state rankings →

ZIP-level market 12866

• Home prices YoY: -31.8%
• Rents YoY: 9.2%
• Active inventory: 474
• Price-to-rent: 8.0×

Monthly cashflow live

• Estimated rent: $5,515 medium
• Mortgage (P&I): −$1,390
• Tax from tax record: −$311 /mo · $3,727/yr
• Insurance: −$110
• HOA: −$0
• Vacancy / Maint / Mgmt: −$1,158
• Net cashflow: $2,546

Break-even live

Break-even rent $2,292

Max offer price $265,000

Occupancy floor 49%

2-unit breakdown (identical units grouped — click to expand)

Units	Beds	Baths	Est. rent
▸ 2× units	3	2	$5,516
Total (2 units)			$5,515

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $66,250
• Closing costs: $7,950
• Reserves months: —
• Total cash needed: —

Listing history 45 events

1. 2026-06-18
   days on market $265,000 Active 256 DOM
2. 2026-06-17
   days on market $265,000 Active 255 DOM
3. 2026-06-16
   days on market $265,000 Active 254 DOM
4. 2026-06-15
   days on market $265,000 Active 253 DOM
5. 2026-06-14
   days on market $265,000 Active 251 DOM
6. 2026-06-13
   days on market $265,000 Active 250 DOM
7. 2026-06-10
   days on market $265,000 Active 248 DOM
8. 2026-06-09
   days on market $265,000 Active 247 DOM
9. 2026-06-08
   days on market $265,000 Active 246 DOM
10. 2026-06-07
    days on market $265,000 Active 245 DOM
11. 2026-06-05
    days on market $265,000 Active 242 DOM
12. 2026-06-03
    days on market $265,000 Active 241 DOM
13. 2026-06-02
    days on market $265,000 Active 240 DOM
14. 2026-06-01
    days on market $265,000 Active 239 DOM
15. 2026-05-31
    days on market $265,000 Active 238 DOM
16. 2026-05-31
    days on market $265,000 Active 237 DOM
17. 2026-05-20
    price $265,000 2009-char remark

    Show marketing remark (2009 chars)

    Investor's Dream or Owner-Occupant Opportunity in the Saratoga Springs School District! This spacious duplex offers 6 bedrooms, 4 full bathrooms across two well-appointed units—perfect for generating rental income or living in one side while your tenants help pay the mortgage. Each unit features a mix of hardwood floors, carpet, and vinyl flooring, providing durability and character. With over 3,000 sqft (approx.), there's plenty of space for large households or strong rental demand. Investors will appreciate the flexible floor plan, and prime location in a top school district—making it highly attractive to long-term renters. Owner-occupants will love the ability to build equity while enjoying the benefits of homeownership with supplemental income. The property sits in a desirable Saratoga Springs area, close to schools, shopping, dining, and major commuter routes. Off-street parking and outdoor space add convenience and value. Whether you're looking to expand your rental portfolio, start house-hacking, or secure a multi-family property, this duplex checks every box. This property is eligible under the First Look Initiative which expires after 30 full days on market. No investor offers until first look period expires. No offers regardless of buyer type will not be negotiated within the first 7 days of listing. - Photo sheet must be attached with the MLS. - All offers must be entered through propoffers.com. - An offer management fee of $200 (plus tax where applicable) is charged by Pyramid Platform in connection with the use of Propoffers.com. This fee will be paid at closing from the agent representing the buyer as selling agent or transaction broker. - Subject to seller addendum - For financed offers EMD to be 1% or $1000 whichever is greater and for cash offers EMD to be 5% or $5000 whichever is greater. - All offers are subject to OFAC clearance - A viewing release must be signed and returned to our office before showing this property.

18. 2026-04-09
    status Active 2009-char remark

    Show marketing remark (2009 chars)

    Investor's Dream or Owner-Occupant Opportunity in the Saratoga Springs School District! This spacious duplex offers 6 bedrooms, 4 full bathrooms across two well-appointed units—perfect for generating rental income or living in one side while your tenants help pay the mortgage. Each unit features a mix of hardwood floors, carpet, and vinyl flooring, providing durability and character. With over 3,000 sqft (approx.), there's plenty of space for large households or strong rental demand. Investors will appreciate the flexible floor plan, and prime location in a top school district—making it highly attractive to long-term renters. Owner-occupants will love the ability to build equity while enjoying the benefits of homeownership with supplemental income. The property sits in a desirable Saratoga Springs area, close to schools, shopping, dining, and major commuter routes. Off-street parking and outdoor space add convenience and value. Whether you're looking to expand your rental portfolio, start house-hacking, or secure a multi-family property, this duplex checks every box. This property is eligible under the First Look Initiative which expires after 30 full days on market. No investor offers until first look period expires. No offers regardless of buyer type will not be negotiated within the first 7 days of listing. - Photo sheet must be attached with the MLS. - All offers must be entered through propoffers.com. - An offer management fee of $200 (plus tax where applicable) is charged by Pyramid Platform in connection with the use of Propoffers.com. This fee will be paid at closing from the agent representing the buyer as selling agent or transaction broker. - Subject to seller addendum - For financed offers EMD to be 1% or $1000 whichever is greater and for cash offers EMD to be 5% or $5000 whichever is greater. - All offers are subject to OFAC clearance - A viewing release must be signed and returned to our office before showing this property.

19. 2026-04-09
    price $280,000 2009-char remark

    Show marketing remark (2009 chars)

    Investor's Dream or Owner-Occupant Opportunity in the Saratoga Springs School District! This spacious duplex offers 6 bedrooms, 4 full bathrooms across two well-appointed units—perfect for generating rental income or living in one side while your tenants help pay the mortgage. Each unit features a mix of hardwood floors, carpet, and vinyl flooring, providing durability and character. With over 3,000 sqft (approx.), there's plenty of space for large households or strong rental demand. Investors will appreciate the flexible floor plan, and prime location in a top school district—making it highly attractive to long-term renters. Owner-occupants will love the ability to build equity while enjoying the benefits of homeownership with supplemental income. The property sits in a desirable Saratoga Springs area, close to schools, shopping, dining, and major commuter routes. Off-street parking and outdoor space add convenience and value. Whether you're looking to expand your rental portfolio, start house-hacking, or secure a multi-family property, this duplex checks every box. This property is eligible under the First Look Initiative which expires after 30 full days on market. No investor offers until first look period expires. No offers regardless of buyer type will not be negotiated within the first 7 days of listing. - Photo sheet must be attached with the MLS. - All offers must be entered through propoffers.com. - An offer management fee of $200 (plus tax where applicable) is charged by Pyramid Platform in connection with the use of Propoffers.com. This fee will be paid at closing from the agent representing the buyer as selling agent or transaction broker. - Subject to seller addendum - For financed offers EMD to be 1% or $1000 whichever is greater and for cash offers EMD to be 5% or $5000 whichever is greater. - All offers are subject to OFAC clearance - A viewing release must be signed and returned to our office before showing this property.

20. 2026-04-08
    historical 2009-char remark

    Show marketing remark (2009 chars)

    Investor's Dream or Owner-Occupant Opportunity in the Saratoga Springs School District! This spacious duplex offers 6 bedrooms, 4 full bathrooms across two well-appointed units—perfect for generating rental income or living in one side while your tenants help pay the mortgage. Each unit features a mix of hardwood floors, carpet, and vinyl flooring, providing durability and character. With over 3,000 sqft (approx.), there's plenty of space for large households or strong rental demand. Investors will appreciate the flexible floor plan, and prime location in a top school district—making it highly attractive to long-term renters. Owner-occupants will love the ability to build equity while enjoying the benefits of homeownership with supplemental income. The property sits in a desirable Saratoga Springs area, close to schools, shopping, dining, and major commuter routes. Off-street parking and outdoor space add convenience and value. Whether you're looking to expand your rental portfolio, start house-hacking, or secure a multi-family property, this duplex checks every box. This property is eligible under the First Look Initiative which expires after 30 full days on market. No investor offers until first look period expires. No offers regardless of buyer type will not be negotiated within the first 7 days of listing. - Photo sheet must be attached with the MLS. - All offers must be entered through propoffers.com. - An offer management fee of $200 (plus tax where applicable) is charged by Pyramid Platform in connection with the use of Propoffers.com. This fee will be paid at closing from the agent representing the buyer as selling agent or transaction broker. - Subject to seller addendum - For financed offers EMD to be 1% or $1000 whichever is greater and for cash offers EMD to be 5% or $5000 whichever is greater. - All offers are subject to OFAC clearance - A viewing release must be signed and returned to our office before showing this property.

21. 2026-02-27
    price $295,000 2009-char remark

    Show marketing remark (2009 chars)

    Investor's Dream or Owner-Occupant Opportunity in the Saratoga Springs School District! This spacious duplex offers 6 bedrooms, 4 full bathrooms across two well-appointed units—perfect for generating rental income or living in one side while your tenants help pay the mortgage. Each unit features a mix of hardwood floors, carpet, and vinyl flooring, providing durability and character. With over 3,000 sqft (approx.), there's plenty of space for large households or strong rental demand. Investors will appreciate the flexible floor plan, and prime location in a top school district—making it highly attractive to long-term renters. Owner-occupants will love the ability to build equity while enjoying the benefits of homeownership with supplemental income. The property sits in a desirable Saratoga Springs area, close to schools, shopping, dining, and major commuter routes. Off-street parking and outdoor space add convenience and value. Whether you're looking to expand your rental portfolio, start house-hacking, or secure a multi-family property, this duplex checks every box. This property is eligible under the First Look Initiative which expires after 30 full days on market. No investor offers until first look period expires. No offers regardless of buyer type will not be negotiated within the first 7 days of listing. - Photo sheet must be attached with the MLS. - All offers must be entered through propoffers.com. - An offer management fee of $200 (plus tax where applicable) is charged by Pyramid Platform in connection with the use of Propoffers.com. This fee will be paid at closing from the agent representing the buyer as selling agent or transaction broker. - Subject to seller addendum - For financed offers EMD to be 1% or $1000 whichever is greater and for cash offers EMD to be 5% or $5000 whichever is greater. - All offers are subject to OFAC clearance - A viewing release must be signed and returned to our office before showing this property.

22. 2026-02-27
    status Active 2009-char remark

    Show marketing remark (2009 chars)

    Investor's Dream or Owner-Occupant Opportunity in the Saratoga Springs School District! This spacious duplex offers 6 bedrooms, 4 full bathrooms across two well-appointed units—perfect for generating rental income or living in one side while your tenants help pay the mortgage. Each unit features a mix of hardwood floors, carpet, and vinyl flooring, providing durability and character. With over 3,000 sqft (approx.), there's plenty of space for large households or strong rental demand. Investors will appreciate the flexible floor plan, and prime location in a top school district—making it highly attractive to long-term renters. Owner-occupants will love the ability to build equity while enjoying the benefits of homeownership with supplemental income. The property sits in a desirable Saratoga Springs area, close to schools, shopping, dining, and major commuter routes. Off-street parking and outdoor space add convenience and value. Whether you're looking to expand your rental portfolio, start house-hacking, or secure a multi-family property, this duplex checks every box. This property is eligible under the First Look Initiative which expires after 30 full days on market. No investor offers until first look period expires. No offers regardless of buyer type will not be negotiated within the first 7 days of listing. - Photo sheet must be attached with the MLS. - All offers must be entered through propoffers.com. - An offer management fee of $200 (plus tax where applicable) is charged by Pyramid Platform in connection with the use of Propoffers.com. This fee will be paid at closing from the agent representing the buyer as selling agent or transaction broker. - Subject to seller addendum - For financed offers EMD to be 1% or $1000 whichever is greater and for cash offers EMD to be 5% or $5000 whichever is greater. - All offers are subject to OFAC clearance - A viewing release must be signed and returned to our office before showing this property.

23. 2026-02-25
    historical 2009-char remark

    Show marketing remark (2009 chars)

    Investor's Dream or Owner-Occupant Opportunity in the Saratoga Springs School District! This spacious duplex offers 6 bedrooms, 4 full bathrooms across two well-appointed units—perfect for generating rental income or living in one side while your tenants help pay the mortgage. Each unit features a mix of hardwood floors, carpet, and vinyl flooring, providing durability and character. With over 3,000 sqft (approx.), there's plenty of space for large households or strong rental demand. Investors will appreciate the flexible floor plan, and prime location in a top school district—making it highly attractive to long-term renters. Owner-occupants will love the ability to build equity while enjoying the benefits of homeownership with supplemental income. The property sits in a desirable Saratoga Springs area, close to schools, shopping, dining, and major commuter routes. Off-street parking and outdoor space add convenience and value. Whether you're looking to expand your rental portfolio, start house-hacking, or secure a multi-family property, this duplex checks every box. This property is eligible under the First Look Initiative which expires after 30 full days on market. No investor offers until first look period expires. No offers regardless of buyer type will not be negotiated within the first 7 days of listing. - Photo sheet must be attached with the MLS. - All offers must be entered through propoffers.com. - An offer management fee of $200 (plus tax where applicable) is charged by Pyramid Platform in connection with the use of Propoffers.com. This fee will be paid at closing from the agent representing the buyer as selling agent or transaction broker. - Subject to seller addendum - For financed offers EMD to be 1% or $1000 whichever is greater and for cash offers EMD to be 5% or $5000 whichever is greater. - All offers are subject to OFAC clearance - A viewing release must be signed and returned to our office before showing this property.

24. 2025-12-19
    price $305,000 2009-char remark

    Show marketing remark (2009 chars)

    Investor's Dream or Owner-Occupant Opportunity in the Saratoga Springs School District! This spacious duplex offers 6 bedrooms, 4 full bathrooms across two well-appointed units—perfect for generating rental income or living in one side while your tenants help pay the mortgage. Each unit features a mix of hardwood floors, carpet, and vinyl flooring, providing durability and character. With over 3,000 sqft (approx.), there's plenty of space for large households or strong rental demand. Investors will appreciate the flexible floor plan, and prime location in a top school district—making it highly attractive to long-term renters. Owner-occupants will love the ability to build equity while enjoying the benefits of homeownership with supplemental income. The property sits in a desirable Saratoga Springs area, close to schools, shopping, dining, and major commuter routes. Off-street parking and outdoor space add convenience and value. Whether you're looking to expand your rental portfolio, start house-hacking, or secure a multi-family property, this duplex checks every box. This property is eligible under the First Look Initiative which expires after 30 full days on market. No investor offers until first look period expires. No offers regardless of buyer type will not be negotiated within the first 7 days of listing. - Photo sheet must be attached with the MLS. - All offers must be entered through propoffers.com. - An offer management fee of $200 (plus tax where applicable) is charged by Pyramid Platform in connection with the use of Propoffers.com. This fee will be paid at closing from the agent representing the buyer as selling agent or transaction broker. - Subject to seller addendum - For financed offers EMD to be 1% or $1000 whichever is greater and for cash offers EMD to be 5% or $5000 whichever is greater. - All offers are subject to OFAC clearance - A viewing release must be signed and returned to our office before showing this property.

25. 2025-11-05
    price $315,000 2009-char remark

    Show marketing remark (2009 chars)

    Investor's Dream or Owner-Occupant Opportunity in the Saratoga Springs School District! This spacious duplex offers 6 bedrooms, 4 full bathrooms across two well-appointed units—perfect for generating rental income or living in one side while your tenants help pay the mortgage. Each unit features a mix of hardwood floors, carpet, and vinyl flooring, providing durability and character. With over 3,000 sqft (approx.), there's plenty of space for large households or strong rental demand. Investors will appreciate the flexible floor plan, and prime location in a top school district—making it highly attractive to long-term renters. Owner-occupants will love the ability to build equity while enjoying the benefits of homeownership with supplemental income. The property sits in a desirable Saratoga Springs area, close to schools, shopping, dining, and major commuter routes. Off-street parking and outdoor space add convenience and value. Whether you're looking to expand your rental portfolio, start house-hacking, or secure a multi-family property, this duplex checks every box. This property is eligible under the First Look Initiative which expires after 30 full days on market. No investor offers until first look period expires. No offers regardless of buyer type will not be negotiated within the first 7 days of listing. - Photo sheet must be attached with the MLS. - All offers must be entered through propoffers.com. - An offer management fee of $200 (plus tax where applicable) is charged by Pyramid Platform in connection with the use of Propoffers.com. This fee will be paid at closing from the agent representing the buyer as selling agent or transaction broker. - Subject to seller addendum - For financed offers EMD to be 1% or $1000 whichever is greater and for cash offers EMD to be 5% or $5000 whichever is greater. - All offers are subject to OFAC clearance - A viewing release must be signed and returned to our office before showing this property.

26. 2025-09-30
    listed $325,000 Active 2009-char remark

    Show marketing remark (2009 chars)

    Investor's Dream or Owner-Occupant Opportunity in the Saratoga Springs School District! This spacious duplex offers 6 bedrooms, 4 full bathrooms across two well-appointed units—perfect for generating rental income or living in one side while your tenants help pay the mortgage. Each unit features a mix of hardwood floors, carpet, and vinyl flooring, providing durability and character. With over 3,000 sqft (approx.), there's plenty of space for large households or strong rental demand. Investors will appreciate the flexible floor plan, and prime location in a top school district—making it highly attractive to long-term renters. Owner-occupants will love the ability to build equity while enjoying the benefits of homeownership with supplemental income. The property sits in a desirable Saratoga Springs area, close to schools, shopping, dining, and major commuter routes. Off-street parking and outdoor space add convenience and value. Whether you're looking to expand your rental portfolio, start house-hacking, or secure a multi-family property, this duplex checks every box. This property is eligible under the First Look Initiative which expires after 30 full days on market. No investor offers until first look period expires. No offers regardless of buyer type will not be negotiated within the first 7 days of listing. - Photo sheet must be attached with the MLS. - All offers must be entered through propoffers.com. - An offer management fee of $200 (plus tax where applicable) is charged by Pyramid Platform in connection with the use of Propoffers.com. This fee will be paid at closing from the agent representing the buyer as selling agent or transaction broker. - Subject to seller addendum - For financed offers EMD to be 1% or $1000 whichever is greater and for cash offers EMD to be 5% or $5000 whichever is greater. - All offers are subject to OFAC clearance - A viewing release must be signed and returned to our office before showing this property.

27. 2025-06-04
    historical
28. 2025-05-06
    price $290,000
29. 2025-05-06
    price $290,000
30. 2025-04-15
    listed $309,999 Active
31. 2025-04-07
    listed $309,999 Active
32. 2024-04-17
    historical
33. 2024-03-27
    price $299,999
34. 2024-03-19
    price $318,000
35. 2024-03-19
    price $320,000
36. 2024-02-08
    price $325,000
37. 2024-02-06
    price $335,000
38. 2023-10-19
    status Active
39. 2023-06-07
    historical
40. 2023-03-29
    price $359,999
41. 2023-02-01
    price $365,000
42. 2022-08-03
    price $374,999
43. 2022-07-18
    listed $389,999 Active
44. 2010-08-11
    historical
45. 2010-07-16
    listed $198,000

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast NY · Partial reset (capped growth)

• Current annual tax: $3,727 · $311/mo
• Projected year-2 tax: $4,103 · $342/mo
• Expected delta: +$376/yr (+$31/mo · 10.1%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low 0% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 2/10 Low 7 d/yr ≥97°F today · 15 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 4% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $66,180
• − Mortgage interest: −$14,844
• − Property taxes: −$3,727
• − Insurance: −$1,325
• − Repairs & maintenance: −$5,294
• − Management: −$5,294
• − Depreciation: −$7,709
• Taxable income: $27,986
• Est. tax owed @ 24.0%: −$6,717
• After-tax cash flow: $23,838/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Saratoga Springs City SD
• NCES district ID: 3625770
• Math proficiency: 67% ▼ -10.00%
• Reading proficiency: 72% ▲ 6.00%
• Median HH income: $69,864
• Composite: 60.83/100
• National rank: #818
• State rank: #138 of 590 in NY

Livability — Saratoga Springs

• Score: 82/100
• State rank: #83
• US rank: #1284

Category grades

Amenities D+ Commute A- Cost of living F Crime B Employment A+ Housing A+ Health & safety A User ratings A+

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Saratoga County · 166,192 people
• City population: 40,057
• Metro: Albany-Schenectady-Troy, NY
• Population (ZIP): 40,057
• Household income: $101,901
• Rent vs Own: 37.8% rent · 62.2% own
• Severe rent burden: 1424.0

Population outlook (Saratoga County) Hauer SSP2

• Today (2025): 238,889 people
• By 2030: 243,681 · +2.0%
• By 2040: 249,118 · +4.3%
• By 2050: 248,638 · +4.1%
• By 2075: 241,675 · +1.2%
• By 2100: 213,150 · -10.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (87%)
• Race & ethnicity: White 87% Two or more races 5% Hispanic / Latino 4% Asian 2% Black 2%
• Common ancestry: Romanian 6% Lithuanian 5% Slovak 2%
• Foreign-born: 6% · Canada, South Korea, China
• Languages at home: 92% English-only · Spanish 2% German/W. Germanic 1% Korean 1%

Political lean MEDSL · Saratoga

• 2024 margin: Toss-up / Even · D 50.9% · R 49.1%
• 2008→2024 swing: -1.6pp toward R · 2008: 3.4pp · 2024: 1.8pp
• All cycles: 2024: D+1.8 2020: D+5.4 2016: R+4.4 2012: D+2.1 2008: D+3.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -178.78%
• Current HPI: 382.7429
• Rent YoY: ▲ 9.15%
• Metro: Albany-Schenectady-Troy, NY
• State GDP YoY: ▲ 2.60%
• F500 in state: 92

Industry mix (Fortune 500 HQ in NY)

Industry	F500 HQs	Revenue
▸Financial Services	10	$950B
▸Consumer Goods	9	$162B
▸Insurance	4	$225B
▸Telecommunications	2	$144B
▸Pharmaceuticals	2	$112B
▸Media / Entertainment	2	$69B

Price history

+33.8% since first listed

29 events — show timeline

• 2026-05-20 Price Changed $265,000 Global MLS
• 2026-04-09 Relisted — Global MLS
• 2026-04-09 Price Changed $280,000 Global MLS
• 2026-04-08 Listing Removed — Global MLS
• 2026-02-27 Price Changed $295,000 Global MLS
• 2026-02-27 Relisted — Global MLS
• 2026-02-25 Listing Removed — Global MLS
• 2025-12-19 Price Changed $305,000 Global MLS
• 2025-11-05 Price Changed $315,000 Global MLS
• 2025-09-30 Listed $325,000 Global MLS
• 2025-06-04 Listing Removed — Global MLS
• 2025-05-06 Price Changed $290,000 OneKey® MLS as Distributed by MLS Grid
• 2025-05-06 Price Changed $290,000 Global MLS
• 2025-04-15 Listed $309,999 OneKey® MLS as Distributed by MLS Grid
• 2025-04-07 Listed $309,999 Global MLS
• 2024-04-17 Listing Removed — Global MLS
• 2024-03-27 Price Changed $299,999 Global MLS
• 2024-03-19 Price Changed $318,000 Global MLS
• 2024-03-19 Price Changed $320,000 Global MLS
• 2024-02-08 Price Changed $325,000 Global MLS
• 2024-02-06 Price Changed $335,000 Global MLS
• 2023-10-19 Relisted — Global MLS
• 2023-06-07 Listing Removed — Global MLS
• 2023-03-29 Price Changed $359,999 Global MLS
• 2023-02-01 Price Changed $365,000 Global MLS
• 2022-08-03 Price Changed $374,999 Global MLS
• 2022-07-18 Listed $389,999 Global MLS
• 2010-08-11 Listing Removed — Global MLS
• 2010-07-16 Listed $198,000 Global MLS

Property tax history

+0.9%/yr

Latest (2025): $3,727 · -4.8% YoY. Source: county tax records.