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Single Family ResidenceResidential
$218,608$122 / 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 94How 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

195 MAIN ST

RICHMONDVILLE, NY 12149
3
Beds
2
Baths
1,792 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.
0.7 ac
Lot SizeThe size of the land the home sits on, from county records.
2005
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$219K
$204K low$233K 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.$138,608
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$110,886
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.37%
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.$80,000
FIRST NEW YORK FCU · recorded Dec 2, 2024

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,437 (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.$98,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$13,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$84,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$98,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$158,065

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.197 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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.Modular
CountySCHOHARIE
Lot (acres)The size of the land the home sits on, from county records.0.70
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

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
Cobleskill-Richmondville High SchoolC
Elementary · Grades 9–12 · 2.4 mi

District: Cobleskill-Richmondville Central School District

Neighborhood · ZIP 12149These 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.140
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 100.57

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.81%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.12%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.1%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.2,708
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.60 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$65,377
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$77,175
Average tempThe average temperature here across a full year.44°F
Annual precipHow much rain and melted snow falls here in a typical year.41 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.49%

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.Yes

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

195 Main 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 66% of homes in Richmondville 12149
  • Costs less per square foot than 80% of homes in Richmondville 12149
  • Bigger than 69% of homes in Richmondville 12149
  • Has a smaller lot than 77% of homes in Richmondville 12149
  • Newer than 91% of homes in Richmondville 12149

What homes are worth in Richmondville 12149

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

This home
$91K$641K

This home is worth more than 34% of homes in Richmondville 12149.

How it measures up in Richmondville 12149

The dot is this home. The mark in the middle is the typical home in Richmondville 12149.

Estimated value$218,608
CheaperTypical $264,942Pricier

Pricier than 34% of homes nearby

Price per ft²$122
CheaperTypical $177Pricier

Pricier than 20% of homes nearby

Living area1,792 ft²
SmallerTypical 1,458 ft²Bigger

Bigger than 69% of homes nearby

Lot size0.7 ac
SmallerTypical 3.25 acBigger

Bigger than 23% of homes nearby

Year built2005
OlderTypical 1974Newer

Newer than 91% of homes nearby

How 195 Main St ranks against every home in each area.
MeasureThis homeRichmondville 12149Schoharie County
Estimated valuepricier than$218,60834% of homes39% of homes
Price per ft²pricier than$12220% of homes25% of homes
Living areabigger than1,792 ft²69% of homes67% of homes
Lot sizebigger than0.7 ac23% of homes23% of homes
Year builtnewer than200591% of homes91% of homes

About 195 Main St

How much is 195 Main St, Richmondville, NY worth?

The TopHap Estimate for 195 Main St, Richmondville, NY is $218,608 as of Jul 14, 2026. The likely range is $204,471 to $232,745. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 195 Main St, Richmondville, NY last sell?

195 Main St, Richmondville, NY last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 195 Main St, Richmondville, NY?

195 Main St, Richmondville, NY has 3 bedrooms, 2 bathrooms, 1,792 square feet of living space and a 0.70-acre lot.

When was 195 Main St, Richmondville, NY built?

195 Main St, Richmondville, NY was built in 2005, making it 21 years old. It is a modular home. The building has 1 story.

What schools serve 195 Main St, Richmondville, NY?

195 Main St, Richmondville, NY is assigned to Cobleskill-Richmondville High School (elementary), rated C. All sit in Cobleskill-Richmondville Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 195 Main St, Richmondville, NY compare to other homes in Richmondville 12149?

Among the 1,111 homes in Richmondville 12149, it is worth more than 34% of them ($218,608 against a typical $264,942), its price per square foot is higher than 20% of them ($122 against a typical $177), it is bigger than 69% of them (1,792 ft² against a typical 1,458 ft²), its lot is bigger than 23% of them (0.7 ac against a typical 3.25 ac) and it is newer than 91% of them (2005 against a typical 1974). Measured against all of Schoharie County, it is worth more than 39% 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 195 Main St, Richmondville, NY?

The 2025 property tax bill for 195 Main St, Richmondville, NY was $4,437. The county assessed it at $98,000.

Closest homes

More homes in Richmondville 12149

Assigned schools

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