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Single Family ResidenceResidential
$1,412,148$725 / 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 82How 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 $1,335,000 on Jun 17, 2025

245 ROUTE 403

GARRISON, NY 10524
3
Beds
4 / 1
Baths
1,948 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.
3 ac
Lot SizeThe size of the land the home sits on, from county records.
1998
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$1.4M
$1.2M low$1.7M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$1,335,000 · Jun 17, 2025
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.$344,148
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$275,318
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.$1,068,000
GUARANTEED RATE INC · recorded Jun 17, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$11,546 (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.$266,690 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$94,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$172,190
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$266,690
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$869,547

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.41
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
29
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.
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
StyleThe architectural style of the home, such as ranch or colonial.Colonial
CountyPutnam
Lot (acres)The size of the land the home sits on, from county records.3.00
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 160 ft²

Transaction History(3)

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 · 1.4 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

245 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 more than 98% of homes in Putnam County
  • Among the highest price per square foot in Putnam County
  • Has a bigger lot than 90% of homes in Putnam County
  • Newer than 90% 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
$353K$3.3M

This home is worth more than 80% 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$1,412,148
CheaperTypical $768,033Pricier

Pricier than 80% of homes nearby

Price per ft²$725
CheaperTypical $421Pricier

Pricier than 92% of homes nearby

Living area1,948 ft²
SmallerTypical 1,930 ft²Bigger

Bigger than 51% of homes nearby

Lot size3 ac
SmallerTypical 1.48 acBigger

Bigger than 72% of homes nearby

Year built1998
OlderTypical 1965Newer

Newer than 88% of homes nearby

How 245 Route 403 ranks against every home in each area.
MeasureThis homeGarrison 10524Putnam County
Estimated valuepricier than$1,412,14880% of homes98% of homes
Price per ft²pricier than$72592% of homesalmost all homes
Living areabigger than1,948 ft²51% of homes58% of homes
Lot sizebigger than3 ac72% of homes90% of homes
Year builtnewer than199888% of homes90% of homes

About 245 Route 403

How much is 245 Route 403, Garrison, NY worth?

The TopHap Estimate for 245 Route 403, Garrison, NY is $1,412,148 as of Jul 14, 2026. The likely range is $1,152,017 to $1,672,279. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 245 Route 403, Garrison, NY last sell?

245 Route 403, Garrison, NY last sold on Jun 17, 2025 for $1,335,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 245 Route 403, Garrison, NY?

245 Route 403, Garrison, NY has 3 bedrooms, 4 bathrooms, 1,948 square feet of living space and a 3.00-acre lot.

When was 245 Route 403, Garrison, NY built?

245 Route 403, Garrison, NY was built in 1998, making it 28 years old. It is a colonial home. The building has 2 stories.

What schools serve 245 Route 403, Garrison, NY?

245 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 245 Route 403, Garrison, NY compare to other homes in Garrison 10524?

Among the 1,700 homes in Garrison 10524, it is worth more than 80% of them ($1,412,148 against a typical $768,033), its price per square foot is higher than 92% of them ($725 against a typical $421), it is bigger than 51% of them (1,948 ft² against a typical 1,930 ft²), its lot is bigger than 72% of them (3 ac against a typical 1.48 ac) and it is newer than 88% of them (1998 against a typical 1965). Measured against all of Putnam County, it is worth more than 98% 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 245 Route 403, Garrison, NY?

The 2025 property tax bill for 245 Route 403, Garrison, NY was $11,546. The county assessed it at $266,690.

Closest homes

More homes in Garrison 10524

Assigned schools

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