An Architect-Designed Retreat on 125 Feet of Saratoga Lake
$1,250,000
This home sits directly on Saratoga Lake in Saratoga Springs, New York, on what was formerly a double lot — giving it a genuinely rare expanse of private yard for lake property this close to town.
The three-level, architect-designed home was built in 1990 and completely transformed in a 2014/15 renovation, with a striking oak staircase, rich wood ceilings, and stained-glass windows throughout. Two bedrooms and two bathrooms fill 1,710 square feet, with the main floor's open kitchen and living room framing westerly lake views through walls of glass, a loft sleeping area upstairs with its own bath, and a lower-level suite with a second gas fireplace and French doors for privacy. Outside, a private covered cabana sits right at the water's edge — the kind of spot built specifically for sunsets — and the property has parking for up to nine vehicles with no road to cross to reach the water.
At $1,250,000, or $731 a square foot, the price reflects 125 feet of private, direct lake frontage and a rare double-lot yard with room for future expansion — a genuinely scarce combination this close to Saratoga Springs. This is a for-sale-by-owner listing, and the seller is offering a flat fee to buyer's agents, so bringing one costs nothing extra while still getting a second set of eyes on the offer and closing.
Life at the Water
Water Access & Depth
The property carries 125 feet of private, direct Saratoga Lake frontage with no road to cross between the house and the water — a real convenience that's easy to overlook until comparing it to lake homes separated from the shoreline by a street. The private covered cabana at lake level extends that access into an actual gathering spot rather than just a strip of shoreline. Confirm with the seller the water depth directly off the property, since Saratoga Lake's depth varies by location around the shoreline.
Recreation & Boating
Saratoga Lake supports boating and a range of fishing, and the seller specifically calls out soaring eagles and diving ducks as part of daily life on this stretch of water. Snowmobiling is also listed as a regular activity here, since the lake and surrounding area see real winter use once it freezes over. The unobstructed sunset views from the cabana are apparently a defining feature of this exact spot, according to the seller.
Dock & Waterfront Features
The listing describes a private, covered lake-level cabana rather than naming a specific dock structure, so confirm with the seller exactly what's built at the water's edge and whether it includes a boat slip or just covered seating. Any future dock work on Saratoga Lake would go through New York State's shoreline permitting process. Given the property's rare double-lot size, there may be more flexibility here than on a standard single lake lot to add or modify water-edge structures, but that should be confirmed rather than assumed.
Flood & Insurance Considerations
Saratoga Lake doesn't carry hurricane risk, but upstate New York sees real winter conditions that matter for a home built directly at the water's edge. The comprehensive 2014/15 renovation is a good sign for the home's overall condition, but confirm the flood zone designation and any past flooding history for this specific parcel with the seller rather than assuming the renovation addressed it. Pull an actual flood insurance quote before closing, since direct lake frontage this close to the water often requires it regardless of elevation.
Beyond the Property Line
Local Flavor & Small-Town Character
Saratoga Springs is one of upstate New York's best-known small cities, drawing visitors for its historic thoroughbred racetrack, mineral springs, and a lively downtown with restaurants and shops. This property sits close enough to that downtown bustle for an easy trip in, while still being genuinely lakeside and quiet. The Capital Region's easy access via I-87 makes Saratoga Springs a realistic option for buyers who still need proximity to Albany.
Outdoor Recreation & Natural Surroundings
The Saratoga Race Course, one of the oldest and most prestigious thoroughbred racing venues in the country, draws visitors each summer for its racing season. Saratoga National Historical Park, the site of a pivotal Revolutionary War battle, offers hiking and history a short drive away, and the area's golf courses add another outdoor option beyond the lake itself. Saratoga Lake itself remains the daily draw, with boating and fishing supplementing the area's broader recreation scene.
125 feet of direct frontage with zero road to cross is rare enough on its own, and the double lot pushes the waterfront score close to the top even without a named dock structure — that private cabana is doing real work as a water-edge gathering spot. The retreat side earns every point: a full architectural renovation, three genuinely distinct living levels, and yard space most lake homes this close to a downtown just don't have. The one thing to nail down before falling for the eagles and sunsets is exactly what's built at the water's edge beyond the cabana, since the listing stays vague on that specific point.
— Your Waterlines at Home Team
Listed on Zillow
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