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Single Family ResidenceResidential
$147,210$147 / 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 86How 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
Last sold for $32,000 on Sep 23, 2002

12 STEWART ST

WATERLOO, NY 13165
3
Beds
1
Baths
1,003 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.
0.18 ac
Lot SizeThe size of the land the home sits on, from county records.
1955
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
4
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$147K
$127K low$167K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$32,000 · Sep 23, 2002

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,713 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$73,900 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$12,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$61,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$73,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$121,100

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
CountySENECA
Lot (acres)The size of the land the home sits on, from county records.0.18
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
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

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
Skoi-Yase School
Elementary · Grades PK–2 · 0.9 mi
M
Waterloo Middle SchoolD+
Middle · Grades 6–8 · 1.2 mi
H
Waterloo High SchoolD+
High · Grades 9–12 · 1.3 mi

District: Waterloo Central School District

Neighborhood · ZIP 13165These 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.115
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.90
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.43

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.14%
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.1.0%
PopulationHow many people live in this area.9,925
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.137 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$63,542
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$84,808
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.35 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.49%

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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

12 Stewart 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 76% of homes in Seneca County
  • Costs more per square foot than 76% of homes in Waterloo 13165
  • Smaller than 84% of homes in Seneca County
  • Has a smaller lot than 87% of homes in Waterloo 13165

What homes are worth in Waterloo 13165

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

This home
$86K$386K

This home is worth more than 34% of homes in Waterloo 13165.

How it measures up in Waterloo 13165

The dot is this home. The mark in the middle is the typical home in Waterloo 13165.

Estimated value$147,210
CheaperTypical $166,672Pricier

Pricier than 34% of homes nearby

Price per ft²$147
CheaperTypical $114Pricier

Pricier than 76% of homes nearby

Living area1,003 ft²
SmallerTypical 1,516 ft²Bigger

Bigger than 17% of homes nearby

Lot size0.18 ac
SmallerTypical 0.56 acBigger

Bigger than 13% of homes nearby

Year built1955
OlderTypical 1951Newer

Newer than 54% of homes nearby

How 12 Stewart St ranks against every home in each area.
MeasureThis homeWaterloo 13165Seneca County
Estimated valuepricier than$147,21034% of homes24% of homes
Price per ft²pricier than$14776% of homes62% of homes
Living areabigger than1,003 ft²17% of homes16% of homes
Lot sizebigger than0.18 ac13% of homes13% of homes
Year builtnewer than195554% of homes54% of homes

About 12 Stewart St

How much is 12 Stewart St, Waterloo, NY worth?

The TopHap Estimate for 12 Stewart St, Waterloo, NY is $147,210 as of Sep 24, 2026. The likely range is $127,109 to $167,311. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 12 Stewart St, Waterloo, NY last sell?

12 Stewart St, Waterloo, NY last sold on Sep 23, 2002 for $32,000, according to the county's recorded deed.

How big is 12 Stewart St, Waterloo, NY?

12 Stewart St, Waterloo, NY has 3 bedrooms, 1 bathrooms, 1,003 square feet of living space and a 0.18-acre lot.

When was 12 Stewart St, Waterloo, NY built?

12 Stewart St, Waterloo, NY was built in 1955, making it 71 years old. It is a ranch home. The building has 1 story.

What schools serve 12 Stewart St, Waterloo, NY?

12 Stewart St, Waterloo, NY is assigned to Skoi-Yase School (elementary); Waterloo Middle School (middle), rated D+; Waterloo High School (high), rated D+. All sit in Waterloo Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 12 Stewart St, Waterloo, NY compare to other homes in Waterloo 13165?

Among the 3,350 homes in Waterloo 13165, it is worth more than 34% of them ($147,210 against a typical $166,672), its price per square foot is higher than 76% of them ($147 against a typical $114), it is bigger than 17% of them (1,003 ft² against a typical 1,516 ft²), its lot is bigger than 13% of them (0.18 ac against a typical 0.56 ac) and it is newer than 54% of them (1955 against a typical 1951). Measured against all of Seneca County, it is worth more than 24% 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 Stewart St, Waterloo, NY?

The 2026 property tax bill for 12 Stewart St, Waterloo, NY was $3,713. The county assessed it at $73,900.

More homes on Stewart St

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More homes in Waterloo 13165

Assigned schools

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