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Single Family ResidenceResidential
$207,974$107 / 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 72How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

109 COMMERCIAL ST

THERESA, NY 13691
3
Beds
2
Baths
1,944 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.
0.25 ac
Lot SizeThe size of the land the home sits on, from county records.
1995
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$208K
$150K low$266K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,337 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$212,800 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$8,400
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$204,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$212,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$262,716

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.30
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
6
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
53
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
89
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
4
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
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.unmapped

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.Ranch
CountyJefferson
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2002
Lot (acres)The size of the land the home sits on, from county records.0.25
HeatingThe type of heating system in the home.Electric
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Basement
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

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

E
Theresa Primary SchoolC+
Elementary · Grades PK–3 · 0.4 mi
H
Indian River High SchoolA+
High · Grades 9–12 · 6.5 mi
M
Indian River Middle SchoolB+
Middle · Grades 6–8 · 6.7 mi

District: Indian River Central School District

Neighborhood · ZIP 13691These 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.161
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.91
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.67

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.74%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.7.9%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.13%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.5%
PopulationHow many people live in this area.3,208
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.43 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$70,590
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$81,348
Average tempThe average temperature here across a full year.44°F
Annual precipHow much rain and melted snow falls here in a typical year.40 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.46%

Owner Tools

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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

109 Commercial St 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.

  • Costs less per square foot than 65% of homes in Jefferson County
  • Bigger than 80% of homes in Theresa 13691
  • Has a smaller lot than 89% of homes in Theresa 13691
  • Newer than 80% of homes in Jefferson County

What homes are worth in Theresa 13691

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

This home
$54K$437K

This home is worth more than 61% of homes in Theresa 13691.

How it measures up in Theresa 13691

The dot is this home. The mark in the middle is the typical home in Theresa 13691.

Estimated value$207,974
CheaperTypical $174,724Pricier

Pricier than 61% of homes nearby

Price per ft²$107
CheaperTypical $113Pricier

Pricier than 45% of homes nearby

Living area1,944 ft²
SmallerTypical 1,378 ft²Bigger

Bigger than 80% of homes nearby

Lot size0.25 ac
SmallerTypical 1.6 acBigger

Bigger than 11% of homes nearby

Year built1995
OlderTypical 1977Newer

Newer than 71% of homes nearby

How 109 Commercial St ranks against every home in each area.
MeasureThis homeTheresa 13691Jefferson County
Estimated valuepricier than$207,97461% of homes54% of homes
Price per ft²pricier than$10745% of homes35% of homes
Living areabigger than1,944 ft²80% of homes75% of homes
Lot sizebigger than0.25 ac11% of homes27% of homes
Year builtnewer than199571% of homes80% of homes

About 109 Commercial St

How much is 109 Commercial St, Theresa, NY worth?

The TopHap Estimate for 109 Commercial St, Theresa, NY is $207,974 as of Aug 30, 2026. The likely range is $150,117 to $265,831. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 Commercial St, Theresa, NY last sell?

109 Commercial St, Theresa, NY last sold on Jun 9, 2005, according to the county's recorded deed.

How big is 109 Commercial St, Theresa, NY?

109 Commercial St, Theresa, NY has 3 bedrooms, 2 bathrooms, 1,944 square feet of living space and a 0.25-acre lot.

When was 109 Commercial St, Theresa, NY built?

109 Commercial St, Theresa, NY was built in 1995, making it 31 years old. It is a ranch home. The building has 1 story.

What schools serve 109 Commercial St, Theresa, NY?

109 Commercial St, Theresa, NY is assigned to Theresa Primary School (elementary), rated C+; Indian River High School (high), rated A+; Indian River Middle School (middle), rated B+. All sit in Indian River Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 Commercial St, Theresa, NY compare to other homes in Theresa 13691?

Among the 1,536 homes in Theresa 13691, it is worth more than 61% of them ($207,974 against a typical $174,724), its price per square foot is higher than 45% of them ($107 against a typical $113), it is bigger than 80% of them (1,944 ft² against a typical 1,378 ft²), its lot is bigger than 11% of them (0.25 ac against a typical 1.6 ac) and it is newer than 71% of them (1995 against a typical 1977). Measured against all of Jefferson County, it is worth more than 54% of 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 109 Commercial St, Theresa, NY?

The 2024 property tax bill for 109 Commercial St, Theresa, NY was $4,337. The county assessed it at $212,800.

More homes on Commercial St

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Assigned schools

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