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Single Family ResidenceResidential
$403,973$234 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 88How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

109 RUGGLES RD

SARATOGA SPRINGS, NY 12866
3
Beds
2
Baths
1,728 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
4.1 ac
Lot SizeThe size of the land the home sits on, from county records.
1970
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$404K
$357K low$450K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,048 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$235,000 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$73,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$161,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$235,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$335,714

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.44
49
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
9
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
63
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
90
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
10
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.13 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Raised Ranch
CountySaratoga
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1980
Lot (acres)The size of the land the home sits on, from county records.4.10
HeatingThe type of heating system in the home.Electric
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Basement
PoolWhether the property has a pool, and what kind, such as in-ground.No

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Maple Avenue Middle SchoolA
Middle · Grades 6–8 · 3.8 mi
E
Caroline Street Elementary SchoolB
Elementary · Grades KG–5 · 3.8 mi
H
Saratoga Springs High SchoolA-
High · Grades 9–12 · 5.5 mi

District: Saratoga Springs City School District

Neighborhood · ZIP 12866These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.105
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.85
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.68

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.86%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.30%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.7%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.40,545
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.565 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$102,523
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$126,143
Average tempThe average temperature here across a full year.47°F
Annual precipHow much rain and melted snow falls here in a typical year.42 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.52%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

109 Ruggles Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 82% of homes in Saratoga Springs 12866
  • Costs less per square foot than 91% of homes in Saratoga Springs 12866
  • Has a bigger lot than 96% of homes in Saratoga Springs 12866
  • Older than 65% of homes in Saratoga County

What homes are worth in Saratoga Springs 12866

Each bar is how many homes fall in that price range. The marker is this home.

This home
$291K$2M

This home is worth more than 18% of homes in Saratoga Springs 12866.

How it measures up in Saratoga Springs 12866

The dot is this home. The mark in the middle is the typical home in Saratoga Springs 12866.

Estimated value$403,973
CheaperTypical $603,452Pricier

Pricier than 18% of homes nearby

Price per ft²$234
CheaperTypical $329Pricier

Pricier than 9% of homes nearby

Living area1,728 ft²
SmallerTypical 1,862 ft²Bigger

Bigger than 43% of homes nearby

Lot size4.1 ac
SmallerTypical 0.29 acBigger

Bigger than 96% of homes nearby

Year built1970
OlderTypical 1984Newer

Newer than 36% of homes nearby

How 109 Ruggles Rd ranks against every home in each area.
MeasureThis homeSaratoga Springs 12866Saratoga County
Estimated valuepricier than$403,97318% of homes42% of homes
Price per ft²pricier than$2349% of homes41% of homes
Living areabigger than1,728 ft²43% of homes47% of homes
Lot sizebigger than4.1 ac96% of homes90% of homes
Year builtnewer than197036% of homes35% of homes

About 109 Ruggles Rd

How much is 109 Ruggles Rd, Saratoga Springs, NY worth?

The TopHap Estimate for 109 Ruggles Rd, Saratoga Springs, NY is $403,973 as of Aug 30, 2026. The likely range is $357,462 to $450,484. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 109 Ruggles Rd, Saratoga Springs, NY?

109 Ruggles Rd, Saratoga Springs, NY has 3 bedrooms, 2 bathrooms, 1,728 square feet of living space and a 4.10-acre lot.

When was 109 Ruggles Rd, Saratoga Springs, NY built?

109 Ruggles Rd, Saratoga Springs, NY was built in 1970, making it 56 years old. It is a raised ranch home. The building has 1 story.

What schools serve 109 Ruggles Rd, Saratoga Springs, NY?

109 Ruggles Rd, Saratoga Springs, NY is assigned to Maple Avenue Middle School (middle), rated A; Caroline Street Elementary School (elementary), rated B; Saratoga Springs High School (high), rated A-. All sit in Saratoga Springs City School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 Ruggles Rd, Saratoga Springs, NY compare to other homes in Saratoga Springs 12866?

Among the 13,732 homes in Saratoga Springs 12866, it is worth more than 18% of them ($403,973 against a typical $603,452), its price per square foot is higher than 9% of them ($234 against a typical $329), it is bigger than 43% of them (1,728 ft² against a typical 1,862 ft²), its lot is bigger than 96% of them (4.1 ac against a typical 0.29 ac) and it is newer than 36% of them (1970 against a typical 1984). Measured against all of Saratoga County, it is worth more than 42% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 109 Ruggles Rd, Saratoga Springs, NY?

The 2024 property tax bill for 109 Ruggles Rd, Saratoga Springs, NY was $4,048. The county assessed it at $235,000.

More homes on Ruggles Rd

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