CCertihomes
40 Stony Point Rd Road, NY 12020

$879,000

4 beds 1 baths 1,152 sqft Built 19561 days on marketActive

About this home

Lakefront Living at its Finest on Saratoga Lake! Discover the allure of lakeside living. This charming 4-bedroom, 1-bathroom ranch home offers 1152 sq ft of comfortable living on a sprawling .64-acre lot with direct access to the sparkling waters of Saratoga Lake. This property presents a rare opportunity to own a slice of paradise on one of Upstate New York's most sought-after lakes. Built in 1956, this home features a spacious, open-concept living and dining area, perfect for entertaining or relaxing with family and friends. Imagine waking up to breathtaking views and spending your days boating, fishing, and enjoying all that Saratoga Lake has to offer. With 25 feet of coveted lake frontage, you'll have unparalleled access to the lake's endless recreational opportunities. Saratoga Lake is known for its boating and fishing, ensuring fun for everyone. Step outside onto the back deck and soak in the tranquility of your beautifully groomed and private backyard. The attached oversized garage offers ample space for vehicles and storage, while the massive 38’ x 20’ steel building provides exceptional storage for all your lake toys, equipment, and more. Beyond the stunning lakefront setting, this property offers incredible potential for short-term rental income. Capitalize on Saratoga Lake's popularity as a destination and generate substantial revenue by renting out this prime lakefront location. Several neighbors on Stony Point Road are already experiencing success with short-term rentals, making this a proven investment opportunity. Enjoy peace of mind with newer furnace, central air conditioning, and water heater systems. Don't miss your chance to own a piece of Saratoga Lake. Whether you're seeking a serene lakefront retreat or a lucrative investment opportunity, this property offers it all. PROPERTY IS BEING SOLD "AS-IS"

Affordability — calculate your monthly payment

Adjust your budget to see what's left after housing, utilities and transportation. Numbers below assume a 5% down, 30YrJumbo at 4% APR.

Your estimated payment
$6,168/mo

Real estate (PITI + HOA + PMI)
$5,972
Principal + interest$3,987
Property tax + insurance$1,635
HOA$20
PMI / 2nd mortgage$330
Utilities
$909
Heating + cooling$305
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$6,168/mo TLC
Budget$6,668/mo
Remaining after TLC$500/mo
Purchase price
$879,000
Down payment
$43,950 (5%)
Loan amount
$835,050
APR
4%

Quick facts

Type
SingleFamilyResidence
Style
Ranch
Year built
1956
Lot size
0.64 ac
Stories
1
Heating
Propane, ForcedAir, Radiators
Cooling
CentralAir
Water
Well
HOA
$240 / Annually
Annual tax
$9,405
MLS #
S1627627
County
Saratoga

At a glance

Air conditioning
Fireplace
Basement
Garage (1)
Waterfront

Home features

Appliances
ExhaustFanElectricOvenElectricRangeElectricWaterHeaterMicrowaveRefrigeratorRangeHood
Interior
CeilingFansLivingDiningRoomSlidingGlassDoorsBedroomOnMainLevelMainLevelPrimary
Exterior
ConcreteDrivewayDeckDockEnclosedPorchPorchSeeRemarksPropaneTankLeased
Parking
AttachedGarageGarageDoorOpener
Flooring
Laminate, Tile, Varies, Vinyl
Roof
Asphalt, Shingle
Sewer
Connected

Lot features

IrregularLot

Neighborhood — 12020

MetricThis ZIPCountyUSA
Population25,05619,351,094299,088,112
Population Change Since199017.00%8.00%20.00%
Population Density349395
Male12,3719,381,926147,432,321
Female12,6859,969,168151,655,844
Never Married4,8284,946,39163,775,926
Married11,9547,166,701123,120,365
Separated7851,159,67312,639,686
Widowed1,0791,110,24515,467,586
Divorced1,4921,210,44823,075,029
Number Of House Hold8,8807,102,016111,826,380
Average House Hold Size2.762.642.60
Medial Age36.3636.5335.46
Median House Hold Income$56,352$49,847$48,276
Average House Hold Income$65,537$70,032$63,629
P C I$24,011$26,569$24,529
M D I$47,274$42,210$41,133
A T H E$52,508$54,185$50,898
S T R7.00%4.00%
W C J78.98%81.55%77.74%
(Zip) Code
12020

Data via Certihomes neighborhood index. Comparisons across this ZIP, county and the United States.

Map & walkability

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Listing information last refreshed 8/6/2025. Provided courtesy of Frattali Real Estate & Property Management, LLC via Buffalo MLS. Information deemed reliable but not guaranteed.

40 Stony Point Rd Road — $879,000 · Certihomes