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Single Family ResidenceResidential
$179,490$161 / 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
Last sold for $145,000 on Nov 10, 2021

197 RIDGE RD

AMSTERDAM, NY 12010
2
Beds
1
Baths
1,112 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.
0.36 ac
Lot SizeThe size of the land the home sits on, from county records.
1953
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$179K
$171K low$188K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$145,000 · Nov 10, 2021
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.$48,990
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$39,192
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.76%
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.$130,500
KEY BANK NA · R · recorded Nov 10, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,231 (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.$91,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$16,400
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$75,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$91,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$183,220

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.Cape Cod
CountyFulton
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.1970
Lot (acres)The size of the land the home sits on, from county records.0.36
HeatingThe type of heating system in the home.Forced Air
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached

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.

M
Broadalbin-Perth Junior/Senior High SchoolB+
Middle · Grades 7–12 · 1.6 mi
E
Broadalbin - Perth Elementary SchoolC+
Elementary · Grades PK–6 · 1.6 mi

District: Broadalbin-Perth Central School District

Neighborhood · ZIP 12010These 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.97
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.84
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.66

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.87%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.15%
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.1.3%
PopulationHow many people live in this area.30,758
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.230 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$63,310
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$76,860
Average tempThe average temperature here across a full year.46°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.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

197 Ridge Rd 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 82% of homes in Amsterdam 12010
  • Smaller than 86% of homes in Amsterdam 12010

What homes are worth in Amsterdam 12010

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

This home
$89K$643K

This home is worth more than 18% of homes in Amsterdam 12010.

How it measures up in Amsterdam 12010

The dot is this home. The mark in the middle is the typical home in Amsterdam 12010.

Estimated value$179,490
CheaperTypical $251,504Pricier

Pricier than 18% of homes nearby

Price per ft²$161
CheaperTypical $175Pricier

Pricier than 40% of homes nearby

Living area1,112 ft²
SmallerTypical 1,728 ft²Bigger

Bigger than 14% of homes nearby

Lot size0.36 ac
SmallerTypical 0.29 acBigger

Bigger than 55% of homes nearby

Year built1953
OlderTypical 1940Newer

Newer than 62% of homes nearby

How 197 Ridge Rd ranks against every home in each area.
MeasureThis homeAmsterdam 12010Fulton County
Estimated valuepricier than$179,49018% of homes38% of homes
Price per ft²pricier than$16140% of homes58% of homes
Living areabigger than1,112 ft²14% of homes24% of homes
Lot sizebigger than0.36 ac55% of homes44% of homes
Year builtnewer than195362% of homes56% of homes

About 197 Ridge Rd

How much is 197 Ridge Rd, Amsterdam, NY worth?

The TopHap Estimate for 197 Ridge Rd, Amsterdam, NY is $179,490 as of Jul 14, 2026. The likely range is $171,282 to $187,698. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 197 Ridge Rd, Amsterdam, NY last sell?

197 Ridge Rd, Amsterdam, NY last sold on Nov 10, 2021 for $145,000, according to the county's recorded deed.

How big is 197 Ridge Rd, Amsterdam, NY?

197 Ridge Rd, Amsterdam, NY has 2 bedrooms, 1 bathrooms, 1,112 square feet of living space and a 0.36-acre lot.

When was 197 Ridge Rd, Amsterdam, NY built?

197 Ridge Rd, Amsterdam, NY was built in 1953, making it 73 years old. It is a cape cod home. The building has 2 stories.

What schools serve 197 Ridge Rd, Amsterdam, NY?

197 Ridge Rd, Amsterdam, NY is assigned to Broadalbin-Perth Junior/Senior High School (middle), rated B+; Broadalbin - Perth Elementary School (elementary), rated C+. All sit in Broadalbin-Perth Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 197 Ridge Rd, Amsterdam, NY compare to other homes in Amsterdam 12010?

Among the 9,302 homes in Amsterdam 12010, it is worth more than 18% of them ($179,490 against a typical $251,504), its price per square foot is higher than 40% of them ($161 against a typical $175), it is bigger than 14% of them (1,112 ft² against a typical 1,728 ft²), its lot is bigger than 55% of them (0.36 ac against a typical 0.29 ac) and it is newer than 62% of them (1953 against a typical 1940). Measured against all of Fulton County, it is worth more than 38% 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 197 Ridge Rd, Amsterdam, NY?

The 2025 property tax bill for 197 Ridge Rd, Amsterdam, NY was $3,231. The county assessed it at $91,500.

Closest homes

More homes in Amsterdam 12010

Assigned schools

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