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Single Family ResidenceResidential
$1,514,503$344 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 90How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

10 WHITE ROCKS LN

COLD SPRING, NY 10516
4
Beds
3
Baths
4,406 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
4.16 ac
Lot SizeThe size of the land the home sits on, from county records.
2005
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$1.5M
$1.4M low$1.7M high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$1,264,503
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$1,011,602
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.22%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$250,000
CITIZENS BANK · recorded May 24, 2017

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$20,151 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$362,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$70,400
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$291,600
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$362,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,180,306

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.44
25
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
23
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
65
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
93
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
15
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.22 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Colonial
CountyPutnam
Lot (acres)The size of the land the home sits on, from county records.4.16
HeatingThe type of heating system in the home.Hot Water
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Haldane Middle SchoolB+
Middle · Grades 6–8 · 2.3 mi
H
Haldane High SchoolA+
High · Grades 9–12 · 2.3 mi
E
Haldane Elementary SchoolB
Elementary · Grades KG–5 · 2.3 mi

District: Haldane Central School District

Neighborhood · ZIP 10516These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.141
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.106
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.91

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.90%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.33%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.9%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.5,650
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.176 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$131,387
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$166,892
Average tempThe average temperature here across a full year.49°F
Annual precipHow much rain and melted snow falls here in a typical year.51 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.58%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

10 White Rocks Ln measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Among the most valuable homes in Putnam County
  • Costs less per square foot than 88% of homes in Cold Spring 10516
  • Bigger than 98% of homes in Putnam County
  • Has a bigger lot than 93% of homes in Putnam County
  • Newer than 95% of homes in Putnam County

What homes are worth in Cold Spring 10516

Each bar is how many homes fall in that price range. The marker is this home.

This home
$329K$2.1M

This home is worth more than 94% of homes in Cold Spring 10516.

How it measures up in Cold Spring 10516

The dot is this home. The mark in the middle is the typical home in Cold Spring 10516.

Estimated value$1,514,503
CheaperTypical $771,788Pricier

Pricier than 94% of homes nearby

Price per ft²$344
CheaperTypical $451Pricier

Pricier than 12% of homes nearby

Living area4,406 ft²
SmallerTypical 1,798 ft²Bigger

Bigger than 97% of homes nearby

Lot size4.16 ac
SmallerTypical 0.53 acBigger

Bigger than 88% of homes nearby

Year built2005
OlderTypical 1966Newer

Newer than 89% of homes nearby

How 10 White Rocks Ln ranks against every home in each area.
MeasureThis homeCold Spring 10516Putnam County
Estimated valuepricier than$1,514,50394% of homesalmost all homes
Price per ft²pricier than$34412% of homes59% of homes
Living areabigger than4,406 ft²97% of homes98% of homes
Lot sizebigger than4.16 ac88% of homes93% of homes
Year builtnewer than200589% of homes95% of homes

About 10 White Rocks Ln

How much is 10 White Rocks Ln, Cold Spring, NY worth?

The TopHap Estimate for 10 White Rocks Ln, Cold Spring, NY is $1,514,503 as of Jul 14, 2026. The likely range is $1,367,868 to $1,661,138. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 10 White Rocks Ln, Cold Spring, NY?

10 White Rocks Ln, Cold Spring, NY has 4 bedrooms, 3 bathrooms, 4,406 square feet of living space and a 4.16-acre lot.

When was 10 White Rocks Ln, Cold Spring, NY built?

10 White Rocks Ln, Cold Spring, NY was built in 2005, making it 21 years old. It is a colonial home. The building has 2 stories.

What schools serve 10 White Rocks Ln, Cold Spring, NY?

10 White Rocks Ln, Cold Spring, NY is assigned to Haldane Middle School (middle), rated B+; Haldane High School (high), rated A+; Haldane Elementary School (elementary), rated B. All sit in Haldane Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 10 White Rocks Ln, Cold Spring, NY compare to other homes in Cold Spring 10516?

Among the 2,183 homes in Cold Spring 10516, it is worth more than 94% of them ($1,514,503 against a typical $771,788), its price per square foot is higher than 12% of them ($344 against a typical $451), it is bigger than 97% of them (4,406 ft² against a typical 1,798 ft²), its lot is bigger than 88% of them (4.16 ac against a typical 0.53 ac) and it is newer than 89% of them (2005 against a typical 1966). Measured against all of Putnam County, it is worth more than almost all homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 10 White Rocks Ln, Cold Spring, NY?

The 2025 property tax bill for 10 White Rocks Ln, Cold Spring, NY was $20,151. The county assessed it at $362,000.

Closest homes

More homes in Cold Spring 10516

Assigned schools

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