Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$95,123$65 / 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 81How 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 $90,000 on Jan 23, 2026

2870 STATE ROUTE 8

SPECULATOR, NY 12164
4
Beds
2 / 1
Baths
1,456 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.
1.03 ac
Lot SizeThe size of the land the home sits on, from county records.
1930
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$95K
$77K low$113K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$90,000 · Jan 23, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,525 (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.$87,800 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$34,600
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$53,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$87,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$120,300

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.35
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
15
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
43
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.Traditional/Old
CountyHamilton
Lot (acres)The size of the land the home sits on, from county records.1.03
HeatingThe type of heating system in the home.Hot Water
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 312 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.

E
Lake Pleasant Central SchoolB-
Elementary · Grades PK–8 · 0.4 mi
H
Wells Central SchoolC
High · Grades PK–12 · 7.0 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%

Owner Tools

Do you own this home?
Claim this home

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

2870 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.

  • Among the least valuable homes in Speculator 12164
  • Among the lowest price per square foot in Speculator 12164
  • Has a bigger lot than 68% of homes in Speculator 12164
  • Older than 86% 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 less than almost all 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$95,123
CheaperTypical $358,451Pricier

Cheaper than almost all homes nearby

Price per ft²$65
CheaperTypical $228Pricier

Cheaper than almost all homes nearby

Living area1,456 ft²
SmallerTypical 1,392 ft²Bigger

Bigger than 54% of homes nearby

Lot size1.03 ac
SmallerTypical 0.65 acBigger

Bigger than 68% of homes nearby

Year built1930
OlderTypical 1968Newer

Newer than 14% of homes nearby

How 2870 State Route 8 ranks against every home in each area.
MeasureThis homeSpeculator 12164Hamilton County
Estimated valuepricier than$95,123almost no homesalmost no homes
Price per ft²pricier than$65almost no homesalmost no homes
Living areabigger than1,456 ft²54% of homes64% of homes
Lot sizebigger than1.03 ac68% of homes50% of homes
Year builtnewer than193014% of homes17% of homes

About 2870 State Route 8

How much is 2870 State Route 8, Speculator, NY worth?

The TopHap Estimate for 2870 State Route 8, Speculator, NY is $95,123 as of Aug 30, 2026. The likely range is $77,091 to $113,155. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 2870 State Route 8, Speculator, NY last sell?

2870 State Route 8, Speculator, NY last sold on Jan 23, 2026 for $90,000, according to the county's recorded deed.

How big is 2870 State Route 8, Speculator, NY?

2870 State Route 8, Speculator, NY has 4 bedrooms, 2 bathrooms, 1,456 square feet of living space and a 1.03-acre lot.

When was 2870 State Route 8, Speculator, NY built?

2870 State Route 8, Speculator, NY was built in 1930, making it 96 years old. It is a traditional/old home. The building has 2 stories.

What schools serve 2870 State Route 8, Speculator, NY?

2870 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 2870 State Route 8, Speculator, NY compare to other homes in Speculator 12164?

Among the 461 homes in Speculator 12164, it is worth more than almost none of them ($95,123 against a typical $358,451), its price per square foot is higher than almost none of them ($65 against a typical $228), it is bigger than 54% of them (1,456 ft² against a typical 1,392 ft²), its lot is bigger than 68% of them (1.03 ac against a typical 0.65 ac) and it is newer than 14% of them (1930 against a typical 1968). Measured against all of Hamilton County, it is worth more than almost no 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 2870 State Route 8, Speculator, NY?

The 2024 property tax bill for 2870 State Route 8, Speculator, NY was $2,525. The county assessed it at $87,800.

More homes on State Route 8

Closest homes

More homes in Speculator 12164

Assigned schools

Explore the area

See this home in context

Open 2870 State Route 8 on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map