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Single Family ResidenceResidential
$566,929$476 / 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 92How 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 $435,000 on Oct 23, 2013

22 ROUTE 403

GARRISON, NY 10524
2
Beds
1.5
Baths
1,192 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.
2.05 ac
Lot SizeThe size of the land the home sits on, from county records.
1920
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$567K
$520K low$613K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$435,000 · Oct 23, 2013
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.$242,929
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$194,343
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.54%
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.$324,000
SUN WEST MORTGAGE COMPANY INC · recorded May 21, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,407 (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.$176,780 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$71,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$105,580
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$173,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$576,394

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.49
47
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
26
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
67
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
93
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
16
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.12 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.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
CountyPUTNAM
Lot (acres)The size of the land the home sits on, from county records.2.05
HeatingThe type of heating system in the home.Hot Water
CoolingThe type of cooling or air conditioning in the home.Central
PoolWhether the property has a pool, and what kind, such as in-ground.No
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.Porch · 340 ft²

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
Garrison SchoolB
Elementary · Grades KG–8 · 2.1 mi
H
James I. O'Neill High SchoolB
High · Grades 9–12 · 2.6 mi

District: Highland Falls-Fort Montgomery Central School District

Neighborhood · ZIP 10524These 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.100
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.103
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.94

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.90%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.25%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.2%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.4,302
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.198 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$121,159
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$147,568
Average tempThe average temperature here across a full year.50°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.Owner occupied
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

22 Route 403 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 69% of homes in Garrison 10524
  • Costs more per square foot than 92% of homes in Putnam County
  • Smaller than 86% of homes in Garrison 10524
  • Has a bigger lot than 86% of homes in Putnam County
  • Older than 94% of homes in Putnam County

What homes are worth in Garrison 10524

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

This home
$355K$3.3M

This home is worth more than 31% of homes in Garrison 10524.

How it measures up in Garrison 10524

The dot is this home. The mark in the middle is the typical home in Garrison 10524.

Estimated value$566,929
CheaperTypical $766,024Pricier

Pricier than 31% of homes nearby

Price per ft²$476
CheaperTypical $421Pricier

Pricier than 64% of homes nearby

Living area1,192 ft²
SmallerTypical 1,937 ft²Bigger

Bigger than 14% of homes nearby

Lot size2.05 ac
SmallerTypical 1.5 acBigger

Bigger than 60% of homes nearby

Year built1920
OlderTypical 1965Newer

Newer than 10% of homes nearby

How 22 Route 403 ranks against every home in each area.
MeasureThis homeGarrison 10524Putnam County
Estimated valuepricier than$566,92931% of homes49% of homes
Price per ft²pricier than$47664% of homes92% of homes
Living areabigger than1,192 ft²14% of homes20% of homes
Lot sizebigger than2.05 ac60% of homes86% of homes
Year builtnewer than192010% of homes6% of homes

About 22 Route 403

How much is 22 Route 403, Garrison, NY worth?

The TopHap Estimate for 22 Route 403, Garrison, NY is $566,929 as of Jul 14, 2026. The likely range is $520,363 to $613,495. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 22 Route 403, Garrison, NY last sell?

22 Route 403, Garrison, NY last sold on Oct 23, 2013 for $435,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 22 Route 403, Garrison, NY?

22 Route 403, Garrison, NY has 2 bedrooms, 1.5 bathrooms, 1,192 square feet of living space and a 2.05-acre lot.

When was 22 Route 403, Garrison, NY built?

22 Route 403, Garrison, NY was built in 1920, making it 106 years old. The building has 1 story.

What schools serve 22 Route 403, Garrison, NY?

22 Route 403, Garrison, NY is assigned to Garrison School (elementary), rated B; James I. O'Neill High School (high), rated B. All sit in Highland Falls-Fort Montgomery Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 22 Route 403, Garrison, NY compare to other homes in Garrison 10524?

Among the 1,700 homes in Garrison 10524, it is worth more than 31% of them ($566,929 against a typical $766,024), its price per square foot is higher than 64% of them ($476 against a typical $421), it is bigger than 14% of them (1,192 ft² against a typical 1,937 ft²), its lot is bigger than 60% of them (2.05 ac against a typical 1.5 ac) and it is newer than 10% of them (1920 against a typical 1965). Measured against all of Putnam County, it is worth more than 49% 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 22 Route 403, Garrison, NY?

The 2024 property tax bill for 22 Route 403, Garrison, NY was $7,407. The county assessed it at $176,780.

Closest homes

More homes in Garrison 10524

Assigned schools

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