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Single Family ResidenceResidential
$218,534$113 / 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 94How 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 $19,000 on Oct 15, 1998

3 PROSPECT ST

CHATHAM, NY 12037
3
Beds
2
Baths
1,931 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.
0.1 ac
Lot SizeThe size of the land the home sits on, from county records.
1900
Year BuiltThe year the home was originally built, according to county records.
3
StoriesHow many floors the home has above ground.

Valuation

$219K
$205K low$232K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$19,000 · Oct 15, 1998

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,490 (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.$75,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$15,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$60,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$75,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$91,463

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.37
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.
58
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
91
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.

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
CountyColumbia
Lot (acres)The size of the land the home sits on, from county records.0.10
HeatingThe type of heating system in the home.Hot Water
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 108 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.

M
Chatham Middle SchoolC-
Middle · Grades 6–8 · 0.7 mi
E
Mary E Dardess Elementary SchoolC+
Elementary · Grades PK–5 · 0.9 mi
H
Chatham High SchoolB+
High · Grades 9–12 · 1.1 mi

District: Chatham Central School District

Neighborhood · ZIP 12037These 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.112
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.84
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.57

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.82%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.23%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.4%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.3,018
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.81 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$92,746
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$118,079
Average tempThe average temperature here across a full year.45°F
Annual precipHow much rain and melted snow falls here in a typical year.46 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

3 Prospect St 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 97% of homes in Chatham 12037
  • Among the lowest price per square foot in Columbia County
  • Among the smallest lots in Chatham 12037
  • Older than 81% of homes in Columbia County

What homes are worth in Chatham 12037

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

This home
$199K$1.8M

This home is worth more than 3% of homes in Chatham 12037.

How it measures up in Chatham 12037

The dot is this home. The mark in the middle is the typical home in Chatham 12037.

Estimated value$218,534
CheaperTypical $474,986Pricier

Pricier than 3% of homes nearby

Price per ft²$113
CheaperTypical $273Pricier

Pricier than 2% of homes nearby

Living area1,931 ft²
SmallerTypical 1,848 ft²Bigger

Bigger than 54% of homes nearby

Lot size0.1 ac
SmallerTypical 1.48 acBigger

Smaller than almost all homes nearby

Year built1900
OlderTypical 1949Newer

Newer than 30% of homes nearby

How 3 Prospect St ranks against every home in each area.
MeasureThis homeChatham 12037Columbia County
Estimated valuepricier than$218,5343% of homes4% of homes
Price per ft²pricier than$1132% of homesalmost no homes
Living areabigger than1,931 ft²54% of homes62% of homes
Lot sizebigger than0.1 acalmost no homes4% of homes
Year builtnewer than190030% of homes19% of homes

About 3 Prospect St

How much is 3 Prospect St, Chatham, NY worth?

The TopHap Estimate for 3 Prospect St, Chatham, NY is $218,534 as of Aug 30, 2026. The likely range is $205,063 to $232,005. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3 Prospect St, Chatham, NY last sell?

3 Prospect St, Chatham, NY last sold on Oct 15, 1998 for $19,000, according to the county's recorded deed.

How big is 3 Prospect St, Chatham, NY?

3 Prospect St, Chatham, NY has 3 bedrooms, 2 bathrooms, 1,931 square feet of living space and a 0.10-acre lot.

When was 3 Prospect St, Chatham, NY built?

3 Prospect St, Chatham, NY was built in 1900, making it 126 years old. It is a traditional/old home. The building has 3 stories.

What schools serve 3 Prospect St, Chatham, NY?

3 Prospect St, Chatham, NY is assigned to Chatham Middle School (middle), rated C-; Mary E Dardess Elementary School (elementary), rated C+; Chatham High School (high), rated B+. All sit in Chatham Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3 Prospect St, Chatham, NY compare to other homes in Chatham 12037?

Among the 1,439 homes in Chatham 12037, it is worth more than 3% of them ($218,534 against a typical $474,986), its price per square foot is higher than 2% of them ($113 against a typical $273), it is bigger than 54% of them (1,931 ft² against a typical 1,848 ft²), its lot is bigger than almost none of them (0.1 ac against a typical 1.48 ac) and it is newer than 30% of them (1900 against a typical 1949). Measured against all of Columbia County, it is worth more than 4% 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 3 Prospect St, Chatham, NY?

The 2025 property tax bill for 3 Prospect St, Chatham, NY was $1,490. The county assessed it at $75,000.

More homes on Prospect St

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Assigned schools

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