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Single Family ResidenceResidential
$85,216$77 / 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 92How 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

12 RIVER ST

CHATEAUGAY, NY 12920
3
Beds
1.5
Baths
1,113 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.
0.13 ac
Lot SizeThe size of the land the home sits on, from county records.
1900
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$85K
$79K low$92K 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.$59,216
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$47,373
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.32%
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.$26,000
COMMUNITY BANK NA · R · recorded Nov 28, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,197 (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.$103,900 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$4,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$99,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$103,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$107,390

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
CountyFRANKLIN
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.1965
Lot (acres)The size of the land the home sits on, from county records.0.13
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.No Foundation
HeatingThe type of heating system in the home.Hot Water
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
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 · 550 ft²

Transaction History(1)

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
Chateaugay Elementary SchoolC-
Elementary · Grades PK–6 · 0.1 mi
M
Chateaugay High SchoolA
Middle · Grades 7–12 · 0.2 mi

District: Chateaugay Central School District

Neighborhood · ZIP 12920These 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.127
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.85
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.186

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.78%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.13%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.15%
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.2,420
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.24 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$68,730
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$88,558
Average tempThe average temperature here across a full year.42°F
Annual precipHow much rain and melted snow falls here in a typical year.42 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.52%

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

12 River 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.

  • Worth less than 89% of homes in Chateaugay 12920
  • Costs less per square foot than 74% of homes in Chateaugay 12920
  • Smaller than 67% of homes in Chateaugay 12920
  • Has a smaller lot than 94% of homes in Chateaugay 12920
  • Older than 79% of homes in Franklin County

What homes are worth in Chateaugay 12920

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

This home
$58K$507K

This home is worth more than 11% of homes in Chateaugay 12920.

How it measures up in Chateaugay 12920

The dot is this home. The mark in the middle is the typical home in Chateaugay 12920.

Estimated value$85,216
CheaperTypical $161,109Pricier

Pricier than 11% of homes nearby

Price per ft²$77
CheaperTypical $102Pricier

Pricier than 26% of homes nearby

Living area1,113 ft²
SmallerTypical 1,387 ft²Bigger

Bigger than 33% of homes nearby

Lot size0.13 ac
SmallerTypical 1.08 acBigger

Bigger than 6% of homes nearby

Year built1900
OlderTypical 1969Newer

Newer than 24% of homes nearby

How 12 River St ranks against every home in each area.
MeasureThis homeChateaugay 12920Franklin County
Estimated valuepricier than$85,21611% of homes21% of homes
Price per ft²pricier than$7726% of homes33% of homes
Living areabigger than1,113 ft²33% of homes33% of homes
Lot sizebigger than0.13 ac6% of homes6% of homes
Year builtnewer than190024% of homes21% of homes

About 12 River St

How much is 12 River St, Chateaugay, NY worth?

The TopHap Estimate for 12 River St, Chateaugay, NY is $85,216 as of Jul 14, 2026. The likely range is $78,776 to $91,656. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 12 River St, Chateaugay, NY last sell?

12 River St, Chateaugay, NY last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 12 River St, Chateaugay, NY?

12 River St, Chateaugay, NY has 3 bedrooms, 1.5 bathrooms, 1,113 square feet of living space and a 0.13-acre lot.

When was 12 River St, Chateaugay, NY built?

12 River St, Chateaugay, NY was built in 1900, making it 126 years old. It is a traditional/old home. The building has 1 story.

What schools serve 12 River St, Chateaugay, NY?

12 River St, Chateaugay, NY is assigned to Chateaugay Elementary School (elementary), rated C-; Chateaugay High School (middle), rated A. All sit in Chateaugay Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 12 River St, Chateaugay, NY compare to other homes in Chateaugay 12920?

Among the 1,349 homes in Chateaugay 12920, it is worth more than 11% of them ($85,216 against a typical $161,109), its price per square foot is higher than 26% of them ($77 against a typical $102), it is bigger than 33% of them (1,113 ft² against a typical 1,387 ft²), its lot is bigger than 6% of them (0.13 ac against a typical 1.08 ac) and it is newer than 24% of them (1900 against a typical 1969). Measured against all of Franklin County, it is worth more than 21% 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 12 River St, Chateaugay, NY?

The 2025 property tax bill for 12 River St, Chateaugay, NY was $2,197. The county assessed it at $103,900.

Closest homes

More homes in Chateaugay 12920

Assigned schools

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