31 Charles Street Waterford, NY ^$ 140,000

31 Charles Street

^$ 140,000

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31 Charles Street

Waterford, NY, 12188

^$ 140,000

Bedrooms3 Baths2.0 Sq 1,336

Monthly Estimate*

^$ 873

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Multi-Family Home for sale in Waterford, NY

for $140,000 with 3 bedrooms and 2 full baths. This 1,336 square foot home was built in 1870 on a lot size of 0.11.

Seize this fantastic opportunity with a well-maintained multi-family property, ideal for investors or owner-occupants. The first floor boasts a move-in-ready 2-bedroom, 1-bath unit, while the upstairs features a 1-bedroom, 1-bath unit, primed for your rehab vision. Each unit has separate heat and electric for tenant convenience and cost savings. Enjoy off-street parking and a detached 1-car heated garage for added value. Located just minutes from the highway, this property is a perfect addition to your rental portfolio. Act now to secure this versatile gem! CASH BUYERS ONLY, ASSIGNMENT OF CONTRACT.

Multi-Family Pending

Price

^$ 140,000

Bedrooms

Full Bath

Property Type

Multi-Family

Taxes

^$ 3,721

Style

Lot Size

0.11

Year Built

1870

Town/City

Waterford

County/Region

Saratoga

MLS | Web ID

202527757

Features

General

Sewer Public Sewer

Heating Forced Air Natural Gas

Possession At Closing

Roof Shingle

Garage Spaces 1.0

Architectural Style Other

Construction Materials Vinyl Siding

Year Built 1870

Property Subtype Duplex

County Saratoga

New Construction N

Property Type MultiFamily

HOA N

Attached Garage N

Full Baths 2

Status Pending

Buyer Financing Cash

Directions right on 2nd ave and left on charles

High School Waterford

City Waterford

High School District Waterford-Halfmoon

Number Of Units Total 2

Lot Size Units Acres

Lot Size Square Feet 4791.6

Carport Y/N N

Elementary School Waterford

Land Lease Y/N N

Tax Annual Amount 3721.02

Home Warranty Y/N N

Lease Renewal Y/N N

Additional Parcels Y/N N

Lease Considered Y/N N

Rent Control Y/N N

Standard Status Pending

Tax Assessed Value 0

Tax Lot 26.000

Interior

Basement Full Unfinished

Basement (Y/N) N

Heating Y/N Y

Above Grade Finished Area 1336.0

Half Baths 0

Laundry Features In Basement

Total Bedrooms 3

Below Grade Finished Area 0.0

Below Grade Finished Area Source Public Records

Above Grade Finished Area Source Public Records

Total Baths 2

Exterior

Exterior Amenities Other

Parking Features Detached

Water Source Public

Total Parking 5.0

Lot Size Area 0.11

Spa N

Lot Size Acres 0.11

Waterfront Y/N N

Crops Included Y/N N

Horse Y/N N

Irrigation Water Rights Y/N N

Internal Only

Street Number 1 31

* Excluded Features

List By

Steven Green

Listing Agent

Signature Premier Realty, Inc

Broker

(518) 361-5268

Phone

stevegreen002@gmail.com

Affordability Calculator

$1,184

Per Month

Monthly Principal & Interest: $873
Monthly Property Taxes: $310
Monthly Home Insurance: --

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Yearly Home Insurance

Default based on a 30-year fixed rate of 6.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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Nearby

Trends
Schools

Multi-family listings in Waterford, NY

Average List Price ^$330,408

Percent of Sale Price 136%

About Waterford, NY

8,617 Population

1% Since 2002

^$63,401 Median Income

42.24 Median Age

26% Households with Children

View more area information

Trends Information provided by ATTOM Data Solutions.

3590804 Elementary School

3041312 Middle School

Waterford High School High School

See complete school information

Pricing History

Date	Price	Price Change	Description
10/14/2025	$140,000		Listed Price

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31 Charles Street, Waterford, NY, 12188 is a Multi-Family Home for sale at $140,000 with 1,336 sqft and a lot size of 0.11. 31 Charles Street has 3 bedrooms, 2.0 baths, and was built in 1870. The property's zip code is 12188 which is in Waterford, NY

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

The data relating to real estate for sale on this web site comes in part from The Internet Data Exchange Program of ©2019 Global Multiple Listing Service, Inc. The data relating to real estate on this website comes in part from the Internet Data Exchange program of the GMLS. All information is deemed reliable but not guaranteed and should be independently verified. All properties subject to prior sale, change, or withdrawal. Neither listing broker(s), GMLS shall be responsible for any typographical errors, misinformation, or misprints, and shall be held totally harmless from any damages arising from reliance upon these data. IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties they may be interested in purchasing.

Data is updated as of 12/21/2025.

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31 Charles Street

Multi-Family Home for sale in Waterford, NY

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