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Single Family ResidenceResidential
$274,296$109 / 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 Aug 30, 2026

1164 STATE ROUTE 295

CHATHAM, NY 12037
3
Beds
1
Baths
2,520 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.
0.58 ac
Lot SizeThe size of the land the home sits on, from county records.
1820
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$274K
$238K low$311K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,316 (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.$146,600 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$28,600
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$118,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$146,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$178,780

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.55
89
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
16
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
58
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
95
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
21
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.67 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%

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.Traditional/Old
CountyColumbia
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.1970
Lot (acres)The size of the land the home sits on, from county records.0.58
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Raised (Unspecified)
HeatingThe type of heating system in the home.Hot Water
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 272 ft²

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

M
Chatham Middle SchoolC-
Middle · Grades 6–8 · 5.4 mi
E
Mary E Dardess Elementary SchoolC+
Elementary · Grades PK–5 · 5.6 mi
H
Chatham High SchoolB+
High · Grades 9–12 · 5.7 mi

District: Chatham Central School District

Neighborhood · ZIP 12037These 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.112
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.84
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.57

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.82%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.23%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.4%
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.3,018
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.81 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$92,746
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$118,079
Average tempThe average temperature here across a full year.45°F
Annual precipHow much rain and melted snow falls here in a typical year.46 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

1164 State Route 295 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 90% of homes in Chatham 12037
  • Among the lowest price per square foot in Chatham 12037
  • Bigger than 83% of homes in Columbia County
  • Has a smaller lot than 70% of homes in Columbia County
  • Older than 98% of homes in Columbia County

What homes are worth in Chatham 12037

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

This home
$199K$1.8M

This home is worth more than 10% of homes in Chatham 12037.

How it measures up in Chatham 12037

The dot is this home. The mark in the middle is the typical home in Chatham 12037.

Estimated value$274,296
CheaperTypical $474,797Pricier

Pricier than 10% of homes nearby

Price per ft²$109
CheaperTypical $273Pricier

Cheaper than almost all homes nearby

Living area2,520 ft²
SmallerTypical 1,850 ft²Bigger

Bigger than 78% of homes nearby

Lot size0.58 ac
SmallerTypical 1.48 acBigger

Bigger than 36% of homes nearby

Year built1820
OlderTypical 1949Newer

Newer than 3% of homes nearby

How 1164 State Route 295 ranks against every home in each area.
MeasureThis homeChatham 12037Columbia County
Estimated valuepricier than$274,29610% of homes12% of homes
Price per ft²pricier than$109almost no homesalmost no homes
Living areabigger than2,520 ft²78% of homes83% of homes
Lot sizebigger than0.58 ac36% of homes30% of homes
Year builtnewer than18203% of homes2% of homes

About 1164 State Route 295

How much is 1164 State Route 295, Chatham, NY worth?

The TopHap Estimate for 1164 State Route 295, Chatham, NY is $274,296 as of Aug 30, 2026. The likely range is $238,049 to $310,543. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 1164 State Route 295, Chatham, NY?

1164 State Route 295, Chatham, NY has 3 bedrooms, 1 bathrooms, 2,520 square feet of living space and a 0.58-acre lot.

When was 1164 State Route 295, Chatham, NY built?

1164 State Route 295, Chatham, NY was built in 1820, making it 206 years old. It is a traditional/old home. The building has 2 stories.

What schools serve 1164 State Route 295, Chatham, NY?

1164 State Route 295, Chatham, NY is assigned to Chatham Middle School (middle), rated C-; Mary E Dardess Elementary School (elementary), rated C+; Chatham High School (high), rated B+. All sit in Chatham Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1164 State Route 295, Chatham, NY compare to other homes in Chatham 12037?

Among the 1,439 homes in Chatham 12037, it is worth more than 10% of them ($274,296 against a typical $474,797), its price per square foot is higher than almost none of them ($109 against a typical $273), it is bigger than 78% of them (2,520 ft² against a typical 1,850 ft²), its lot is bigger than 36% of them (0.58 ac against a typical 1.48 ac) and it is newer than 3% of them (1820 against a typical 1949). Measured against all of Columbia County, it is worth more than 12% 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 1164 State Route 295, Chatham, NY?

The 2025 property tax bill for 1164 State Route 295, Chatham, NY was $2,316. The county assessed it at $146,600.

More homes on State Route 295

Closest homes

More homes in Chatham 12037

Assigned schools

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