Welcome to your dream retreat on Saratoga Lake. This charming 2 bedroom (plus enclosed back room used as 3rd bedroom with bunk beds) seasonal cottage boasts ample windows that frame breathtaking lake views with 51 feet of pristine lake frontage, this cottage offers the perfect escape to tranquility located on a private road, enjoy the serenity and privacy that comes with this unique property. Included in the sale is a 60 ft aluminum dock ideal for boating enthusists. If you are looking for a peaceful weekend getaway, or a summer sanctuary this seasonal cottage is ready to welcome you. At the beginning of the road residents enjoy access to a private boat launch, and year round boat storage, 1/72 share of Riley Cove Corp which gives you access to 100 acres of common land for hiking. Located just minutes to Saratoga Springs, Spac, and the race track. You will love calling this cottage your summer home or excellent source of rental income. shown by appointment only.lot size 51 X 188 ample parking for 8 cars, 2sheds, public sewer, window air condition in every room, Concrete urns and statues not included.
Active
$695,000
86 Riley Cove Road, Malta, NY 12020
2beds
720sqft
Single Family Residence, Residential
Built in 1910
9,583.2 Square Feet Lot
$675,400 Zestimate®
$965/sqft
$42/mo HOA
What's special
- 103 days |
- 1,670 |
- 25 |
Zillow last checked: 7 hours ago
Listing updated: March 02, 2026 at 12:01pm
Listing by:
MLS 4 Less Realty 518-649-7292,
Josie Reo 518-925-0230
Source: Global MLS,MLS#: 202530544
Tour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
Bedroom
- Level: First
Bedroom
- Level: First
Full bathroom
- Level: First
Kitchen
- Level: First
Living room
- Level: First
Other
- Description: Used as a 3rd Bedroom
- Level: First
Sun room
- Level: First
Heating
- Space Heater
Cooling
- Window Unit(s)
Appliances
- Included: Dishwasher, Disposal, Dryer, Microwave, Range, Refrigerator, Washer
- Laundry: Laundry Closet, Main Level
Features
- High Speed Internet
- Flooring: Laminate
- Basement: Pillar/Post/Pier
Interior area
- Total structure area: 720
- Total interior livable area: 720 sqft
- Finished area above ground: 720
- Finished area below ground: 0
Video & virtual tour
Property
Parking
- Total spaces: 6
- Parking features: Driveway
- Has uncovered spaces: Yes
Features
- Exterior features: Lighting
- Has view: Yes
- View description: Lake
- Has water view: Yes
- Water view: Lake
- Waterfront features: Deeded Water Access, Lake Front
- Body of water: Saratoga Lake
Lot
- Size: 9,583.2 Square Feet
- Features: Other, Level, Views, Cleared, Cul-De-Sac, Waterfront
Details
- Additional structures: Shed(s)
- Parcel number: 414089 205.1825
- Zoning description: Single Residence
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Cottage
- Property subtype: Single Family Residence, Residential
Materials
- Vinyl Siding
- Roof: Asphalt
Condition
- New construction: No
- Year built: 1910
Utilities & green energy
- Sewer: Public Sewer
- Water: Lake
Community & HOA
Community
- Security: Smoke Detector(s)
HOA
- Has HOA: Yes
- Amenities included: Boat Dock, Lake Access
- Services included: Snow Removal
- HOA fee: $500 annually
Location
- Region: Malta
Financial & listing details
- Price per square foot: $965/sqft
- Tax assessed value: $429,000
- Annual tax amount: $8,093
- Date on market: 12/8/2025
Estimated market value
$675,400
$642,000 - $709,000
$1,780/mo
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 12/8/2025 | Listed for sale | $695,000+146%$965/sqft |
Source:  Global MLS #202530544 Report a problem | ||
| 9/13/2019 | Sold | $282,500-13.1%$392/sqft |
Source: Global MLS #201914248 Report a problem | ||
| 7/18/2019 | Pending sale | $325,000$451/sqft |
Source: Berkshire Hathaway Blake #201914248 Report a problem | ||
| 7/13/2019 | Price change | $325,000-7.1%$451/sqft |
Source: Berkshire Hathaway Blake #201914248 Report a problem | ||
| 3/14/2019 | Listed for sale | $350,000$486/sqft |
Source: Berkshire Hathaway Blake #201914248 Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | -- | $429,000 +10% |
| 2023 | -- | $390,000 +11.4% |
| 2022 | -- | $350,000 |
| 2021 | -- | $350,000 +7.7% |
| 2020 | -- | $325,000 |
| 2019 | -- | $325,000 |
| 2018 | -- | $325,000 |
| 2017 | $6,957 +355.7% | $325,000 +8.3% |
| 2016 | $1,527 +0.9% | $300,000 |
| 2015 | $1,513 +34.9% | $300,000 |
| 2014 | $1,122 | $300,000 |
| 2013 | -- | $300,000 +4.2% |
| 2012 | -- | $288,000 |
| 2011 | -- | $288,000 |
| 2010 | -- | $288,000 |
| 2009 | -- | $288,000 +15.2% |
| 2008 | -- | $250,000 +152% |
| 2007 | -- | $99,200 |
| 2006 | -- | $99,200 |
| 2005 | -- | $99,200 |
| 2004 | -- | $99,200 +22% |
| 2003 | -- | $81,300 +7.5% |
| 2002 | -- | $75,600 +8% |
| 2001 | -- | $70,000 |
| 2000 | -- | $70,000 |
Find assessor info on the county website
BuyAbility℠ payment
Estimated monthly payment
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HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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Neighborhood: 12020
Nearby schools
GreatSchools rating
- 6/10Malta Avenue Elementary SchoolGrades: K-5Distance: 4.1 mi
- 8/10Ballston Spa Middle SchoolGrades: 6-8Distance: 4.7 mi
- 6/10Ballston Spa Senior High SchoolGrades: 9-12Distance: 4.8 mi
Schools provided by the listing agent
- High: Ballston Spa
Source: Global MLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
Local experts in 12020
- New York
- Saratoga County
- Ballston Spa
- 12020
- 86 Riley Cove Road
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