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Single Family ResidenceResidential
$139,345
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 69How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

20 COOK ST

WORCESTER, NY 12197
0
Baths
0.22 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$139K
$96K low$183K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,446 (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.$51,700 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$9,400
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$42,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$51,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$125,791

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.38
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
5
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
57
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
92
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
39
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.Single Family Residence
CountyOtsego
Lot (acres)The size of the land the home sits on, from county records.0.22
HeatingThe type of heating system in the home.None

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
Worcester SchoolC-
Elementary · Grades KG–12 · 0.2 mi

District: Worcester Central School District

Neighborhood · ZIP 12197These 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.150
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 100.53

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.70%
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.7.5%
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.2,450
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.35 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$70,889
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$78,977
Average tempThe average temperature here across a full year.43°F
Annual precipHow much rain and melted snow falls here in a typical year.43 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.49%

Owner Tools

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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

20 Cook 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 79% of homes in Otsego County
  • Has a smaller lot than 94% of homes in Worcester 12197

What homes are worth in Worcester 12197

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

This home
$68K$588K

This home is worth more than 27% of homes in Worcester 12197.

How it measures up in Worcester 12197

The dot is this home. The mark in the middle is the typical home in Worcester 12197.

Estimated value$139,345
CheaperTypical $182,247Pricier

Pricier than 27% of homes nearby

Lot size0.22 ac
SmallerTypical 3.93 acBigger

Bigger than 6% of homes nearby

How 20 Cook St ranks against every home in each area.
MeasureThis homeWorcester 12197Otsego County
Estimated valuepricier than$139,34527% of homes21% of homes
Lot sizebigger than0.22 ac6% of homes15% of homes

About 20 Cook St

How much is 20 Cook St, Worcester, NY worth?

The TopHap Estimate for 20 Cook St, Worcester, NY is $139,345 as of Aug 30, 2026. The likely range is $95,759 to $182,931. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

What schools serve 20 Cook St, Worcester, NY?

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

How does 20 Cook St, Worcester, NY compare to other homes in Worcester 12197?

Among the 1,228 homes in Worcester 12197, it is worth more than 27% of them ($139,345 against a typical $182,247) and its lot is bigger than 6% of them (0.22 ac against a typical 3.93 ac). Measured against all of Otsego County, it is worth more than 21% 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 20 Cook St, Worcester, NY?

The 2024 property tax bill for 20 Cook St, Worcester, NY was $2,446. The county assessed it at $51,700.

More homes on Cook St

Closest homes

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Assigned schools

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