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Single Family ResidenceResidential
$244,493$239 / 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 87How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

109 HUDSON RIVER RD

WATERFORD, NY 12188
3
Beds
2 / 1
Baths
1,023 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.
0.23 ac
Lot SizeThe size of the land the home sits on, from county records.
1950
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$244K
$213K low$276K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,776 (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.$150,000 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$23,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$127,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$150,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$200,000

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.32
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
5
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
61
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
83
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
10
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

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
CountySaratoga
Lot (acres)The size of the land the home sits on, from county records.0.23
HeatingThe type of heating system in the home.Forced Air
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, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 31 ft²

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

E
Waterford-Halfmoon Elementary SchoolC
Elementary · Grades PK–6 · 1.0 mi
M
Waterford-Halfmoon Junior-Senior High SchoolB
Middle · Grades 7–12 · 1.0 mi

District: Waterford-Halfmoon Union Free School District

Neighborhood · ZIP 12188These 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.118
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.86
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.59

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.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.24%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.8%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.11,507
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.826 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$87,798
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$103,641
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.38 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.52%

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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 Hudson River Rd 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.

  • Worth less than 91% of homes in Saratoga County
  • Smaller than 95% of homes in Waterford 12188
  • Has a smaller lot than 78% of homes in Saratoga County
  • Older than 81% of homes in Saratoga County

What homes are worth in Waterford 12188

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

This home
$167K$769K

This home is worth more than 12% of homes in Waterford 12188.

How it measures up in Waterford 12188

The dot is this home. The mark in the middle is the typical home in Waterford 12188.

Estimated value$244,493
CheaperTypical $353,337Pricier

Pricier than 12% of homes nearby

Price per ft²$239
CheaperTypical $230Pricier

Pricier than 57% of homes nearby

Living area1,023 ft²
SmallerTypical 1,824 ft²Bigger

Bigger than 5% of homes nearby

Lot size0.23 ac
SmallerTypical 0.36 acBigger

Bigger than 31% of homes nearby

Year built1950
OlderTypical 1970Newer

Newer than 31% of homes nearby

How 109 Hudson River Rd ranks against every home in each area.
MeasureThis homeWaterford 12188Saratoga County
Estimated valuepricier than$244,49312% of homes9% of homes
Price per ft²pricier than$23957% of homes43% of homes
Living areabigger than1,023 ft²5% of homes10% of homes
Lot sizebigger than0.23 ac31% of homes22% of homes
Year builtnewer than195031% of homes19% of homes

About 109 Hudson River Rd

How much is 109 Hudson River Rd, Waterford, NY worth?

The TopHap Estimate for 109 Hudson River Rd, Waterford, NY is $244,493 as of Sep 24, 2026. The likely range is $212,507 to $276,479. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 109 Hudson River Rd, Waterford, NY?

109 Hudson River Rd, Waterford, NY has 3 bedrooms, 2 bathrooms, 1,023 square feet of living space and a 0.23-acre lot.

When was 109 Hudson River Rd, Waterford, NY built?

109 Hudson River Rd, Waterford, NY was built in 1950, making it 76 years old. It is a ranch home. The building has 1 story.

What schools serve 109 Hudson River Rd, Waterford, NY?

109 Hudson River Rd, Waterford, NY is assigned to Waterford-Halfmoon Elementary School (elementary), rated C; Waterford-Halfmoon Junior-Senior High School (middle), rated B. All sit in Waterford-Halfmoon Union Free School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 Hudson River Rd, Waterford, NY compare to other homes in Waterford 12188?

Among the 3,527 homes in Waterford 12188, it is worth more than 12% of them ($244,493 against a typical $353,337), its price per square foot is higher than 57% of them ($239 against a typical $230), it is bigger than 5% of them (1,023 ft² against a typical 1,824 ft²), its lot is bigger than 31% of them (0.23 ac against a typical 0.36 ac) and it is newer than 31% of them (1950 against a typical 1970). Measured against all of Saratoga County, it is worth more than 9% 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 Hudson River Rd, Waterford, NY?

The 2024 property tax bill for 109 Hudson River Rd, Waterford, NY was $3,776. The county assessed it at $150,000.

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Assigned schools

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