What areas do you serve?

We specialize in residential and commercial real estate throughout Upstate NY, with deep local knowledge in neighborhoods like Albany, Saratoga Springs, and Troy.

What makes your brokerage different from others?

We combine personalized service with cutting-edge technology, offering modern marketing strategies, expert negotiation, and full transparency throughout the buying or selling process.

Do I need to be pre-approved before working with your agents?

While it’s not required to start the conversation, we do recommend getting pre-approved for a mortgage early. It strengthens your offer and helps us match you with homes within your budget.

How much does it cost to work with a real estate agent?

For buyers, our services are typically free—commissions are paid by the seller. Sellers usually pay a commission fee at closing, which we’ll discuss clearly and upfront before listing your home.

Do you only work with residential properties?

No—our team has extensive experience in both residential and commercial real estate. Whether you’re buying a home, leasing office space, or investing in multi-units, we can help.

Can you help with new construction or custom-built homes?

Absolutely. We work closely with local builders and developers and can guide you through the new construction process, including selecting land, reviewing contracts, and understanding timelines.

How quickly can I expect to sell my home?

Timing depends on pricing, condition, and local market conditions, but our data-driven approach is designed to help you sell quickly and for top dollar. We’ll walk you through your specific timeline.

Do you work with first-time homebuyers?

Yes! We love helping first-time buyers navigate the market with confidence. From explaining the financing process to guiding you through inspections and closing, we’re with you at every step.

How much should I save for a down payment?

Most buyers aim for 5%–20% of the home’s price, but some loan programs allow as little as 3% down.

What’s the difference between pre-qualification and pre-approval?

Pre-qualification is an estimate of what you might afford, while pre-approval involves a lender verifying your finances for a more accurate loan amount.

Do I need a real estate agent to buy a home?

While it’s not required, working with a buyer’s agent can protect your interests, provide guidance, and help negotiate a better deal.

What are closing costs and how much are they?

Closing costs typically range from 2% to 5% of the purchase price and include fees like title insurance, lender fees, and inspections.

How long does it take to buy a home from start to finish?

From house hunting to closing, the process usually takes 30–60 days, depending on financing and contract terms.

What does a home inspection cover?

A licensed inspector checks structural elements, roof, HVAC, plumbing, electrical systems, and overall safety concerns.

How does my credit score affect my mortgage?

A higher credit score typically results in better loan terms and lower interest rates. Lenders may offer fewer options to buyers with low scores.

Can I back out after making an offer?

Yes—depending on the contingencies in your contract (like financing, inspection, or appraisal), you may be able to walk away without penalty.

How do I know what my home is worth?

Home value depends on recent comparable sales, location, condition, and market demand. A real estate agent can provide a free comparative market analysis (CMA) to give you an accurate estimate.

When is the best time to sell my house?

Spring and early summer typically see the most buyer activity, but the right timing depends on your local market, personal timeline, and interest rates.

How much does it cost to sell a home?

Common costs include agent commissions (usually 5–6%), closing costs, repairs or staging, and possibly a portion of the buyer’s fees. Your agent can help estimate your net proceeds.

Should I make repairs before listing?

Minor repairs and improvements—like fresh paint or fixing leaks—can boost value and appeal. A pre-listing inspection may help you prioritize what’s worth addressing.

How long will it take to sell my home?

Homes in hot markets may sell within days, while others take weeks or months. Factors include pricing strategy, location, condition, and current demand.

Do I need to stage my home?

Staging isn’t mandatory, but it often helps homes sell faster and for more money by making spaces feel larger, cleaner, and more inviting.

What happens after I accept an offer?

Once an offer is accepted, the buyer typically schedules inspections, the appraisal is ordered, financing is finalized, and both parties prepare for closing.

Can I sell and buy a home at the same time?

Yes, but it requires careful coordination. Many sellers work with agents to align closing dates, use contingencies, or consider temporary housing between moves.

7 Kozy Lane, Malta, NY 12020, Malta - McDonald Real Estate Company

Overview

Updated On:
September 30, 2025

Single Family Residence
Category

4
Rooms

1
Bedrooms

1
Bathrooms

468 ft²
Property Size

Description

Don’t miss your chance to own this beautifully renovated 1-BR cottage in sought-after Riley Cove on Saratoga Lake! W/deeded lake access, charm & modern updates, this gem features original sanded pine flrs, a soaring cathedral ceiling w/ exposed beams & a newly installed roof & drilled well. Comfort meets style w/ radiant flr heating in the bathroom & laundry rm, plus efficient AC/heat split-system. Relax & soak in lake views from the enclosed porch or the front deck. And if you prefer to sit lakeside, the property includes 7.5 feet of cemented, deeded access to lakefront for your private enjoyment! W/ ample space in the back for a garage or expanded living area, this cottage offers incredible potential as a year-round home, weekend retreat, or investment. *OH 7/13/25 10am-12p

Address: 7 Kozy Lane, Malta, NY 12020

City: Malta

State/County: Saratoga

Zip: 12020

Country: United States

Open In Google Maps

Property Id: 63544

Price: $ 460,000

Property Size: 468 ft²

Property Lot Size: 0 ft²

Rooms: 4

Bedrooms: 1

Bathrooms: 1

Listing Agent Email: scottvarley@kw.com

Listing Agent: Scott P Varley

Listing Agent Phone: 518-281-6808

Listing Office: KW Platform

Other Features

Cathedral Ceiling(s)

Has Cooling System

Has Heating System

Has Waterfront

High Speed Internet

Kitchen Island

Microwave

None

Range

Refrigerator

Washer/Dryer

$ 2,358.51

per month

Principal and Interest
Property Tax
HOA fee

Principal and Interest $ 1,783.51 Property Tax Homeowners Association Fee

Home Price Down Payment

Term(*in years) Interest

Sat 04 Oct

Sun 05 Oct

Mon 06 Oct

Tue 07 Oct

Wed 08 Oct

Thu 09 Oct

Fri 10 Oct

Sat 11 Oct

Sun 12 Oct

Mon 13 Oct

In Person

Video Chat

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