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Claim or joinLegal name: CONDOMINIUMS AT 11 COTTAGE INC
Condo / COA · 7 units · Saratoga Springs, NY
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See also the New York Condominium Act (NY Real Prop. Law § 339).
A starting point for diligence, not a safety or compliance rating. Full flood, structural, and hazard detail is below.
Public record · Federal hazard-risk index, federal flood-hazard maps
Public record · FHA condo approval records
Relatively Low composite risk for this neighborhood area · 89th percentile of NY neighborhood areas
20 federal disaster declarations for this county, including 4 hurricanes, most recent Aug 2021.
For context, not a safety rating.
Public record · Federal hazard-risk index, federal disaster declarations
Participates in the federal flood insurance program · SARATOGA SPRINGS, CITY OF
Reference only; flood-insurance requirements depend on your specific flood zone and lender.
Public record · Federal flood program records
Approximate footprint of the primary building at this location (single-point match), not the full complex. A rough starting point for roofing and reserve estimates; add a slope factor for pitched roofs.
Mapped building outlines · Overture Maps
Annual change in ZIP 12866
2020 +4.8% · 2021 +9.2% · 2022 +12.1% · 2023 +10.5% · 2024 +4.6% · 2025 +8.7%
Area price appreciation for context, not an appraisal of this association or any unit. Its publisher labels the index developmental: it is built from conforming-mortgage data, and small housing markets are suppressed.
Public record · Federal house-price index · as of Mar 2026
Monthly HOA and condo fees reported by owners in this part of the state, from federal household survey estimates.
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8% of nearby housing sits in 5+ unit buildings, most of it built in the 2000s.
Neighborhood-area figures, not the association itself. Useful as neighborhood context.
Public record · Federal community survey estimates
Common Elements directory
Peer context, not financial advice: area-level survey medians describe the market, not what any specific community should charge.
Most recent significant event in Saratoga County: Flood, Mar 9, 2026.
County-level weather records from the federal storm-event database, for context. Each event is logged for a whole county or forecast zone, not for individual properties, so counts and damage estimates describe Saratoga County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Homeowners insurance in ZIP 12866 · 2022
Average premium changed +6.1% across the filed window (2018 to 2022).
ZIP-area averages from federal filings, not a quote for this building. Your rate depends on the building's construction, claims history, and coverage.
Public record · Federal homeowners-insurance filings · as of 2018 to 2022
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On file as CONDOMINIUMS AT 11 COTTAGE INC
Principal address · Legal name · Type
Filed as shown; displayed as Condominiums at 11 Cottage INC
Public record
Units · 1 linked public record
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Geocoded from the address on file
Map location
Geocoded 2026-06-06
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