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Rural ResidenceResidential
$606,476$191 / 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 95How 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

188 COUNTY ROUTE 412

WESTERLO, NY 12193
4
Beds
3
Baths
3,173 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.
10.4 ac
Lot SizeThe size of the land the home sits on, from county records.
2000
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
4
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$606K
$574K low$639K 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.$499,086
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$399,269
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.16%
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.$107,390
BANK OF GREENE COUNTY · R · recorded Mar 16, 2011

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,282 (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.$3,075 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$350
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$2,725
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$3,075
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$530,172

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.35
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
9
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.
91
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.
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.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Rural Residence
StyleThe architectural style of the home, such as ranch or colonial.Contemporary
CountyALBANY
Lot (acres)The size of the land the home sits on, from county records.10.40
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, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
ViewThe type of view from the property, or another feature of the site that affects value.View Not Specified

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

M
Berne-Knox-Westerlo Junior-Senior High SchoolC
Middle · Grades 7–12 · 9.2 mi
E
Berne-Knox-Westerlo Elementary SchoolB
Elementary · Grades PK–6 · 9.3 mi

District: Berne-Knox-Westerlo Central School District

Neighborhood · ZIP 12193These 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.95
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 100.56

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.83%
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.6.1%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.2,233
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.55 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$79,984
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$95,082
Average tempThe average temperature here across a full year.45°F
Annual precipHow much rain and melted snow falls here in a typical year.44 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

188 County Route 412 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 more than 97% of homes in Westerlo 12193
  • Costs less per square foot than 75% of homes in Albany County
  • Bigger than 97% of homes in Westerlo 12193
  • Has a bigger lot than 97% of homes in Albany County
  • Newer than 90% of homes in Albany County

What homes are worth in Westerlo 12193

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

This home
$141K$718K

This home is worth more than 97% of homes in Westerlo 12193.

How it measures up in Westerlo 12193

The dot is this home. The mark in the middle is the typical home in Westerlo 12193.

Estimated value$606,476
CheaperTypical $305,882Pricier

Pricier than 97% of homes nearby

Price per ft²$191
CheaperTypical $188Pricier

Pricier than 53% of homes nearby

Living area3,173 ft²
SmallerTypical 1,564 ft²Bigger

Bigger than 97% of homes nearby

Lot size10.4 ac
SmallerTypical 5 acBigger

Bigger than 72% of homes nearby

Year built2000
OlderTypical 1975Newer

Newer than 81% of homes nearby

How 188 County Route 412 ranks against every home in each area.
MeasureThis homeWesterlo 12193Albany County
Estimated valuepricier than$606,47697% of homes90% of homes
Price per ft²pricier than$19153% of homes25% of homes
Living areabigger than3,173 ft²97% of homes94% of homes
Lot sizebigger than10.4 ac72% of homes97% of homes
Year builtnewer than200081% of homes90% of homes

About 188 County Route 412

How much is 188 County Route 412, Westerlo, NY worth?

The TopHap Estimate for 188 County Route 412, Westerlo, NY is $606,476 as of Jul 14, 2026. The likely range is $573,504 to $639,448. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 188 County Route 412, Westerlo, NY last sell?

188 County Route 412, Westerlo, NY last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 188 County Route 412, Westerlo, NY?

188 County Route 412, Westerlo, NY has 4 bedrooms, 3 bathrooms, 3,173 square feet of living space and a 10.40-acre lot.

When was 188 County Route 412, Westerlo, NY built?

188 County Route 412, Westerlo, NY was built in 2000, making it 26 years old. It is a contemporary home. The building has 2 stories.

What schools serve 188 County Route 412, Westerlo, NY?

188 County Route 412, Westerlo, NY is assigned to Berne-Knox-Westerlo Junior-Senior High School (middle), rated C; Berne-Knox-Westerlo Elementary School (elementary), rated B. All sit in Berne-Knox-Westerlo Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 188 County Route 412, Westerlo, NY compare to other homes in Westerlo 12193?

Among the 951 homes in Westerlo 12193, it is worth more than 97% of them ($606,476 against a typical $305,882), its price per square foot is higher than 53% of them ($191 against a typical $188), it is bigger than 97% of them (3,173 ft² against a typical 1,564 ft²), its lot is bigger than 72% of them (10.4 ac against a typical 5 ac) and it is newer than 81% of them (2000 against a typical 1975). Measured against all of Albany County, it is worth more than 90% 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 188 County Route 412, Westerlo, NY?

The 2025 property tax bill for 188 County Route 412, Westerlo, NY was $6,282. The county assessed it at $3,075.

Closest homes

More homes in Westerlo 12193

Assigned schools

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