31 Charles Street Waterford, NY ^$ 249,900

31 Charles Street

^$ 249,900

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Recently Listed

31 Charles Street

Waterford, NY, 12188

^$ 249,900

Bedrooms3 Baths2.0 Sq 1,336

Monthly Estimate*

^$ 1,578

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Multi-Family Home for sale in Waterford, NY

for $249,900 with 3 bedrooms and 2 full baths. This 1,336 square foot home was built in 1870 on a lot size of 0.11.

Welcome to 31 Charles Street, a well-maintained two-family property offering an excellent opportunity for an investor or owner-occupant. The First-floor unit features 2 bedrooms and 1 full bath, while the updated second floor 1 bedroom, 1 bath apartment offers comfortable living space and attractive updates. Both units have separate heat and electric, making this property convenient to manage. Additional features include off-street parking, a detached heated one-car garage, and a full basement providing excellent storage. The updated second-floor unit adds immediate appeal and makes this a great opportunity for generating rental income while building long-term equity. Coveniently located in Waterford with easy access to local amenities, major roadways, and nearby communities.

Multi-Family Active

Price

^$ 249,900

Bedrooms

Full Bath

Property Type

Multi-Family

Taxes

^$ 3,807

Style

Traditional

Lot Size

0.11

Year Built

1870

Town/City

Waterford

County/Region

Saratoga

MLS | Web ID

202623736

Features

General

Sewer Public Sewer

Heating Baseboard Electric Forced Air Natural Gas

Possession At Closing

Garage Spaces 1.0

Architectural Style Traditional

Pool Features Above Ground

Construction Materials Vinyl Siding

Year Built 1870

Property Subtype Duplex

Ownership Agent part owner

County Saratoga

New Construction N

Property Type MultiFamily

HOA N

Attached Garage N

Full Baths 2

Status Active

Directions from Clifton Street take a right on Grand Alley right on Grace Street Left on First Ave and a left on Charles Street

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 3807.83

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 Active

Tax Assessed Value 0

Tax Lot 26.000

Interior

Basement Exterior Entry

Basement (Y/N) N

Heating Y/N Y

Above Grade Finished Area 1336.0

Half Baths 0

Total Bedrooms 3

Below Grade Finished Area 0.0

Below Grade Finished Area Source CRS

Above Grade Finished Area Source CRS

Total Baths 2

Exterior

Exterior Amenities None

Parking Features Paved

Water Source Public

Total Parking 2.0

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

Michael Blanchfield

Listing Agent

Tier One Real Estate Pros Llc

Broker

(518) 598-3749

Phone

mblanchfield@t1-realestate.com

Affordability Calculator

$1,895

Per Month

Monthly Principal & Interest: $1,578
Monthly Property Taxes: $317
Monthly Home Insurance: --

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Yearly Home Insurance

Default based on a 30-year fixed rate of 6.49% 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 ^$357,014

Percent of Sale Price 43%

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
8/11/2026	$249,900		Listed Price

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31 Charles Street, Waterford, NY, 12188 is a Multi-Family Home for sale at $249,900 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 6.49% 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 8/12/2026.

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31 Charles Street

Multi-Family Home for sale in Waterford, NY

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