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Single Family ResidenceResidential
$1,325,408$315 / 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 87How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $325,000 on Jun 4, 2008

18 COTTAGE ST

SARATOGA SPRINGS, NY 12866
4
Beds
3.5
Baths
4,212 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.
0.32 ac
Lot SizeThe size of the land the home sits on, from county records.
2009
Year BuiltThe year the home was originally built, according to county records.
3
StoriesHow many floors the home has above ground.

Valuation

$1.3M
$1.2M low$1.5M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$325,000 · Jun 4, 2008

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$17,063 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$541,200 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$125,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$415,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$541,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,336,300

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.35
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
11
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
64
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.

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.Contemporary
CountySARATOGA
Lot (acres)The size of the land the home sits on, from county records.0.32
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 362 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

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

E
Lake Avenue Elementary SchoolA
Elementary · Grades KG–5 · 0.5 mi
H
Saratoga Springs High SchoolA-
High · Grades 9–12 · 0.9 mi
M
Maple Avenue Middle SchoolA+
Middle · Grades 6–8 · 2.3 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

18 Cottage St 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.

  • Among the most valuable homes in Saratoga County
  • Costs more per square foot than 83% of homes in Saratoga County
  • Bigger than 98% of homes in Saratoga County
  • Has a smaller lot than 70% of homes in Saratoga County
  • Newer than 87% 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
$292K$2M

This home is worth more than 93% 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$1,325,408
CheaperTypical $608,035Pricier

Pricier than 93% of homes nearby

Price per ft²$315
CheaperTypical $336Pricier

Pricier than 42% of homes nearby

Living area4,212 ft²
SmallerTypical 1,858 ft²Bigger

Bigger than 97% of homes nearby

Lot size0.32 ac
SmallerTypical 0.29 acBigger

Bigger than 53% of homes nearby

Year built2009
OlderTypical 1984Newer

Newer than 86% of homes nearby

How 18 Cottage St ranks against every home in each area.
MeasureThis homeSaratoga Springs 12866Saratoga County
Estimated valuepricier than$1,325,40893% of homesalmost all homes
Price per ft²pricier than$31542% of homes83% of homes
Living areabigger than4,212 ft²97% of homes98% of homes
Lot sizebigger than0.32 ac53% of homes30% of homes
Year builtnewer than200986% of homes87% of homes

About 18 Cottage St

How much is 18 Cottage St, Saratoga Springs, NY worth?

The TopHap Estimate for 18 Cottage St, Saratoga Springs, NY is $1,325,408 as of Sep 24, 2026. The likely range is $1,157,001 to $1,493,815. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 18 Cottage St, Saratoga Springs, NY last sell?

18 Cottage St, Saratoga Springs, NY last sold on Jun 4, 2008 for $325,000, according to the county's recorded deed.

How big is 18 Cottage St, Saratoga Springs, NY?

18 Cottage St, Saratoga Springs, NY has 4 bedrooms, 3.5 bathrooms, 4,212 square feet of living space and a 0.32-acre lot.

When was 18 Cottage St, Saratoga Springs, NY built?

18 Cottage St, Saratoga Springs, NY was built in 2009, making it 17 years old. It is a contemporary home. The building has 3 stories.

What schools serve 18 Cottage St, Saratoga Springs, NY?

18 Cottage St, Saratoga Springs, NY is assigned to Lake Avenue Elementary School (elementary), rated A; Saratoga Springs High School (high), rated A-; Maple Avenue Middle School (middle), rated A+. All sit in Saratoga Springs City School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 18 Cottage St, Saratoga Springs, NY compare to other homes in Saratoga Springs 12866?

Among the 13,802 homes in Saratoga Springs 12866, it is worth more than 93% of them ($1,325,408 against a typical $608,035), its price per square foot is higher than 42% of them ($315 against a typical $336), it is bigger than 97% of them (4,212 ft² against a typical 1,858 ft²), its lot is bigger than 53% of them (0.32 ac against a typical 0.29 ac) and it is newer than 86% of them (2009 against a typical 1984). Measured against all of Saratoga County, it is worth more than almost all 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 18 Cottage St, Saratoga Springs, NY?

The 2025 property tax bill for 18 Cottage St, Saratoga Springs, NY was $17,063. The county assessed it at $541,200.

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