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Single Family ResidenceResidential
$349,813$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 93How 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

281 COUNTY ROUTE 412

WESTERLO, NY 12193
5
Beds
2
Baths
2,399 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.
4.6 ac
Lot SizeThe size of the land the home sits on, from county records.
1850
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$350K
$327K low$373K high
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.$200,813
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$160,650
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.42%
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.$149,000
HOME LOAN CENTER LLC · R · recorded Mar 19, 2009

Tax & Assessment

Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$1,500 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$1,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$1,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$241,900

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.45
55
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
10
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
53
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
89
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
21
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.113 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
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
CountyAlbany
Lot (acres)The size of the land the home sits on, from county records.4.60
HeatingThe type of heating system in the home.Forced Air
FireplaceWhether the home has a fireplace, and what kind.Yes
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 · 152 ft²

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.

H
Greenville High SchoolC
High · Grades 9–12 · 7.4 mi
E
Scott M Ellis Elementary SchoolB-
Elementary · Grades PK–5 · 7.4 mi
M
Greenville Middle SchoolD+
Middle · Grades 6–8 · 7.4 mi

District: Greenville Central School District

Neighborhood · ZIP 12193These 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.95
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.90
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.56

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.83%
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.6.1%
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.2,233
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.55 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$79,984
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$95,082
Average tempThe average temperature here across a full year.45°F
Annual precipHow much rain and melted snow falls here in a typical year.44 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.52%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
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

281 County Route 412 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 65% of homes in Westerlo 12193
  • Costs less per square foot than 93% of homes in Albany County
  • Bigger than 85% of homes in Westerlo 12193
  • Has a bigger lot than 95% of homes in Albany County
  • Older than 98% of homes in Albany County

What homes are worth in Westerlo 12193

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

This home
$141K$718K

This home is worth more than 65% of homes in Westerlo 12193.

How it measures up in Westerlo 12193

The dot is this home. The mark in the middle is the typical home in Westerlo 12193.

Estimated value$349,813
CheaperTypical $305,882Pricier

Pricier than 65% of homes nearby

Price per ft²$146
CheaperTypical $188Pricier

Pricier than 21% of homes nearby

Living area2,399 ft²
SmallerTypical 1,564 ft²Bigger

Bigger than 85% of homes nearby

Lot size4.6 ac
SmallerTypical 5 acBigger

Bigger than 48% of homes nearby

Year built1850
OlderTypical 1975Newer

Newer than 6% of homes nearby

How 281 County Route 412 ranks against every home in each area.
MeasureThis homeWesterlo 12193Albany County
Estimated valuepricier than$349,81365% of homes49% of homes
Price per ft²pricier than$14621% of homes7% of homes
Living areabigger than2,399 ft²85% of homes78% of homes
Lot sizebigger than4.6 ac48% of homes95% of homes
Year builtnewer than18506% of homes2% of homes

About 281 County Route 412

How much is 281 County Route 412, Westerlo, NY worth?

The TopHap Estimate for 281 County Route 412, Westerlo, NY is $349,813 as of Jul 14, 2026. The likely range is $326,757 to $372,869. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 281 County Route 412, Westerlo, NY?

281 County Route 412, Westerlo, NY has 5 bedrooms, 2 bathrooms, 2,399 square feet of living space and a 4.60-acre lot.

When was 281 County Route 412, Westerlo, NY built?

281 County Route 412, Westerlo, NY was built in 1850, making it 176 years old. It is a colonial home. The building has 2 stories.

What schools serve 281 County Route 412, Westerlo, NY?

281 County Route 412, Westerlo, NY is assigned to Greenville High School (high), rated C; Scott M Ellis Elementary School (elementary), rated B-; Greenville Middle School (middle), rated D+. All sit in Greenville Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 281 County Route 412, Westerlo, NY compare to other homes in Westerlo 12193?

Among the 951 homes in Westerlo 12193, it is worth more than 65% of them ($349,813 against a typical $305,882), its price per square foot is higher than 21% of them ($146 against a typical $188), it is bigger than 85% of them (2,399 ft² against a typical 1,564 ft²), its lot is bigger than 48% of them (4.6 ac against a typical 5 ac) and it is newer than 6% of them (1850 against a typical 1975). Measured against all of Albany 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.

Closest homes

More homes in Westerlo 12193

Assigned schools

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