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Single Family ResidenceResidential
$938,095$651 / 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 78How 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
Last sold for $665,000 on Sep 5, 2013

2638 STATE ROUTE 8

SPECULATOR, NY 12164
2
Beds
2
Baths
1,440 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.
1 ac
Lot SizeThe size of the land the home sits on, from county records.
2000
Year BuiltThe year the home was originally built, according to county records.
1
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

$938K
$732K low$1.1M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$665,000 · Sep 5, 2013

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,568 (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.$605,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$323,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$281,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$605,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$864,300

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.34
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
13
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
44
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
97
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
19
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

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.Ranch
CountyHAMILTON
Lot (acres)The size of the land the home sits on, from county records.1.00
HeatingThe type of heating system in the home.Hot Water
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
ViewThe type of view from the property, or another feature of the site that affects value.Waterfront-Beach (Ocean, River Or Lake)
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 640 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
Lake Pleasant Central SchoolB-
Elementary · Grades PK–8 · 2.6 mi
H
Wells Central SchoolC
High · Grades PK–12 · 7.2 mi

District: Wells Central School District

Neighborhood · ZIP 12164These 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.117
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.80
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.91

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.30%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.11%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.7%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.50
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.5 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$64,527
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$73,343
Average tempThe average temperature here across a full year.41°F
Annual precipHow much rain and melted snow falls here in a typical year.49 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

2638 State Route 8 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 96% of homes in Speculator 12164
  • Among the highest price per square foot in Speculator 12164
  • Has a bigger lot than 68% of homes in Speculator 12164
  • Newer than 87% of homes in Speculator 12164

What homes are worth in Speculator 12164

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

This home
$107K$1.2M

This home is worth more than 96% of homes in Speculator 12164.

How it measures up in Speculator 12164

The dot is this home. The mark in the middle is the typical home in Speculator 12164.

Estimated value$938,095
CheaperTypical $358,451Pricier

Pricier than 96% of homes nearby

Price per ft²$651
CheaperTypical $228Pricier

Pricier than almost all homes nearby

Living area1,440 ft²
SmallerTypical 1,392 ft²Bigger

Bigger than 53% of homes nearby

Lot size1 ac
SmallerTypical 0.65 acBigger

Bigger than 68% of homes nearby

Year built2000
OlderTypical 1968Newer

Newer than 87% of homes nearby

How 2638 State Route 8 ranks against every home in each area.
MeasureThis homeSpeculator 12164Hamilton County
Estimated valuepricier than$938,09596% of homes95% of homes
Price per ft²pricier than$651almost all homes98% of homes
Living areabigger than1,440 ft²53% of homes63% of homes
Lot sizebigger than1 ac68% of homes49% of homes
Year builtnewer than200087% of homes86% of homes

About 2638 State Route 8

How much is 2638 State Route 8, Speculator, NY worth?

The TopHap Estimate for 2638 State Route 8, Speculator, NY is $938,095 as of Aug 30, 2026. The likely range is $732,349 to $1,143,841. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 2638 State Route 8, Speculator, NY last sell?

2638 State Route 8, Speculator, NY last sold on Sep 5, 2013 for $665,000, according to the county's recorded deed.

How big is 2638 State Route 8, Speculator, NY?

2638 State Route 8, Speculator, NY has 2 bedrooms, 2 bathrooms, 1,440 square feet of living space and a 1.00-acre lot.

When was 2638 State Route 8, Speculator, NY built?

2638 State Route 8, Speculator, NY was built in 2000, making it 26 years old. It is a ranch home. The building has 1 story.

What schools serve 2638 State Route 8, Speculator, NY?

2638 State Route 8, Speculator, NY is assigned to Lake Pleasant Central School (elementary), rated B-; Wells Central School (high), rated C. All sit in Wells Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 2638 State Route 8, Speculator, NY compare to other homes in Speculator 12164?

Among the 461 homes in Speculator 12164, it is worth more than 96% of them ($938,095 against a typical $358,451), its price per square foot is higher than almost all of them ($651 against a typical $228), it is bigger than 53% of them (1,440 ft² against a typical 1,392 ft²), its lot is bigger than 68% of them (1 ac against a typical 0.65 ac) and it is newer than 87% of them (2000 against a typical 1968). Measured against all of Hamilton County, it is worth more than 95% 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 2638 State Route 8, Speculator, NY?

The 2025 property tax bill for 2638 State Route 8, Speculator, NY was $5,568. The county assessed it at $605,000.

More homes on State Route 8

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More homes in Speculator 12164

Assigned schools

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