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Single Family ResidenceResidential
$641,786$195 / 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 91How 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
Last sold for $630,000 on Feb 19, 2026

190 ROUTE 292

HOLMES, NY 12531
4
Beds
2
Baths
3,290 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.
5.31 ac
Lot SizeThe size of the land the home sits on, from county records.
1850
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$642K
$582K low$701K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$630,000 · Feb 19, 2026
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.$336,786
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$269,429
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.48%
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.$305,000
NAVY FCU · recorded Feb 19, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$15,804 (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.$591,100 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$95,400
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$495,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$557,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$591,100

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.50
61
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
22
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
56
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
98
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
15
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.26 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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.1 percent flood zone

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.Colonial
CountyPUTNAM
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.2007
Lot (acres)The size of the land the home sits on, from county records.5.31
HeatingThe type of heating system in the home.Hot Water
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.Yes
ViewThe type of view from the property, or another feature of the site that affects value.Waterfront
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 448 ft²Porch · 560 ft²

Transaction History(3)

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
Matthew Paterson Elementary SchoolB+
Elementary · Grades KG–4 · 1.4 mi
M
George Fischer Middle SchoolC
Middle · Grades 5–8 · 5.1 mi
H
Carmel High SchoolB
High · Grades 9–12 · 6.3 mi

District: Carmel Central School District

Neighborhood · ZIP 12531These 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.86
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.99
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.83

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.91%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.22%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.3%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.4,184
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.228 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$112,772
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$149,842
Average tempThe average temperature here across a full year.49°F
Annual precipHow much rain and melted snow falls here in a typical year.51 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.58%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
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

190 Route 292 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 73% of homes in Holmes 12531
  • Among the lowest price per square foot in Putnam County
  • Bigger than 93% of homes in Holmes 12531
  • Has a bigger lot than 95% of homes in Putnam County
  • Among the oldest homes in Putnam County

What homes are worth in Holmes 12531

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

This home
$227K$1M

This home is worth more than 73% of homes in Holmes 12531.

How it measures up in Holmes 12531

The dot is this home. The mark in the middle is the typical home in Holmes 12531.

Estimated value$641,786
CheaperTypical $534,044Pricier

Pricier than 73% of homes nearby

Price per ft²$195
CheaperTypical $308Pricier

Pricier than 4% of homes nearby

Living area3,290 ft²
SmallerTypical 1,748 ft²Bigger

Bigger than 93% of homes nearby

Lot size5.31 ac
SmallerTypical 1.3 acBigger

Bigger than 87% of homes nearby

Year built1850
OlderTypical 1975Newer

Newer than 2% of homes nearby

How 190 Route 292 ranks against every home in each area.
MeasureThis homeHolmes 12531Putnam County
Estimated valuepricier than$641,78673% of homes63% of homes
Price per ft²pricier than$1954% of homesalmost no homes
Living areabigger than3,290 ft²93% of homes93% of homes
Lot sizebigger than5.31 ac87% of homes95% of homes
Year builtnewer than18502% of homesalmost no homes

About 190 Route 292

How much is 190 Route 292, Holmes, NY worth?

The TopHap Estimate for 190 Route 292, Holmes, NY is $641,786 as of Jul 14, 2026. The likely range is $582,470 to $701,102. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 190 Route 292, Holmes, NY last sell?

190 Route 292, Holmes, NY last sold on Feb 19, 2026 for $630,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 190 Route 292, Holmes, NY?

190 Route 292, Holmes, NY has 4 bedrooms, 2 bathrooms, 3,290 square feet of living space and a 5.31-acre lot.

When was 190 Route 292, Holmes, NY built?

190 Route 292, Holmes, NY was built in 1850, making it 176 years old. It is a colonial home. The building has 2 stories.

What schools serve 190 Route 292, Holmes, NY?

190 Route 292, Holmes, NY is assigned to Matthew Paterson Elementary School (elementary), rated B+; George Fischer Middle School (middle), rated C; Carmel High School (high), rated B. All sit in Carmel Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 190 Route 292, Holmes, NY compare to other homes in Holmes 12531?

Among the 1,205 homes in Holmes 12531, it is worth more than 73% of them ($641,786 against a typical $534,044), its price per square foot is higher than 4% of them ($195 against a typical $308), it is bigger than 93% of them (3,290 ft² against a typical 1,748 ft²), its lot is bigger than 87% of them (5.31 ac against a typical 1.3 ac) and it is newer than 2% of them (1850 against a typical 1975). Measured against all of Putnam County, it is worth more than 63% 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 190 Route 292, Holmes, NY?

The 2024 property tax bill for 190 Route 292, Holmes, NY was $15,804. The county assessed it at $591,100.

Closest homes

More homes in Holmes 12531

Assigned schools

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