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Single Family ResidenceResidential
$246,089$146 / 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 Sep 24, 2026
Last sold for $172,000 on Apr 8, 2021

20 FINLAY ST

AMSTERDAM, NY 12010
4
Beds
1
Baths
1,690 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.
0.14 ac
Lot SizeThe size of the land the home sits on, from county records.
1935
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$246K
$232K low$260K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$172,000 · Apr 8, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,384 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$71,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$4,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$66,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$71,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$208,824

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.Traditional/Old
CountyMONTGOMERY
Lot (acres)The size of the land the home sits on, from county records.0.14
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 188 ft²

Transaction History(4)

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
William B Tecler Arts in EducationD
Elementary · Grades PK–5 · 0.4 mi
H
Amsterdam High SchoolD
High · Grades 9–12 · 0.7 mi
M
Wilbur H Lynch Literacy AcademyD-
Middle · Grades 6–8 · 1.2 mi

District: Amsterdam City 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%

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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 Finlay 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 more than 66% of homes in Montgomery County
  • Costs less per square foot than 69% of homes in Amsterdam 12010
  • Has a smaller lot than 81% of homes in Montgomery County

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
$85K$630K

This home is worth more than 49% 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$246,089
CheaperTypical $247,673Pricier

Pricier than 49% of homes nearby

Price per ft²$146
CheaperTypical $172Pricier

Pricier than 31% of homes nearby

Living area1,690 ft²
SmallerTypical 1,730 ft²Bigger

Bigger than 48% of homes nearby

Lot size0.14 ac
SmallerTypical 0.29 acBigger

Bigger than 27% of homes nearby

Year built1935
OlderTypical 1940Newer

Newer than 47% of homes nearby

How 20 Finlay St ranks against every home in each area.
MeasureThis homeAmsterdam 12010Montgomery County
Estimated valuepricier than$246,08949% of homes66% of homes
Price per ft²pricier than$14631% of homes55% of homes
Living areabigger than1,690 ft²48% of homes54% of homes
Lot sizebigger than0.14 ac27% of homes19% of homes
Year builtnewer than193547% of homes49% of homes

About 20 Finlay St

How much is 20 Finlay St, Amsterdam, NY worth?

The TopHap Estimate for 20 Finlay St, Amsterdam, NY is $246,089 as of Sep 24, 2026. The likely range is $232,112 to $260,066. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20 Finlay St, Amsterdam, NY last sell?

20 Finlay St, Amsterdam, NY last sold on Apr 8, 2021 for $172,000, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 20 Finlay St, Amsterdam, NY?

20 Finlay St, Amsterdam, NY has 4 bedrooms, 1 bathrooms, 1,690 square feet of living space and a 0.14-acre lot.

When was 20 Finlay St, Amsterdam, NY built?

20 Finlay St, Amsterdam, NY was built in 1935, making it 91 years old. It is a traditional/old home. The building has 2 stories.

What schools serve 20 Finlay St, Amsterdam, NY?

20 Finlay St, Amsterdam, NY is assigned to William B Tecler Arts in Education (elementary), rated D; Amsterdam High School (high), rated D; Wilbur H Lynch Literacy Academy (middle), rated D-. All sit in Amsterdam City School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 20 Finlay St, Amsterdam, NY compare to other homes in Amsterdam 12010?

Among the 9,297 homes in Amsterdam 12010, it is worth more than 49% of them ($246,089 against a typical $247,673), its price per square foot is higher than 31% of them ($146 against a typical $172), it is bigger than 48% of them (1,690 ft² against a typical 1,730 ft²), its lot is bigger than 27% of them (0.14 ac against a typical 0.29 ac) and it is newer than 47% of them (1935 against a typical 1940). Measured against all of Montgomery County, it is worth more than 66% 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 Finlay St, Amsterdam, NY?

The 2026 property tax bill for 20 Finlay St, Amsterdam, NY was $2,384. The county assessed it at $71,000.

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Assigned schools

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