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Single Family ResidenceResidential
$773,918$336 / 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 72How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $895,000 on Nov 17, 2023

3540 ROSS ST

STOW, NY 14785
5
Beds
4 / 1
Baths
2,302 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.
0.18 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.

Valuation

$774K
$556K low$992K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$895,000 · Nov 17, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,352 (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.$301,500 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$72,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$229,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$301,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$471,100

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.57
99
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
5
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
63
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.
26
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.197 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.34%

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.Cottage
CountyChautauqua
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1970
Lot (acres)The size of the land the home sits on, from county records.0.18
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Raised (Unspecified)
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 · 288 ft²

Transaction History(2)

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
Chautauqua Lake Secondary SchoolA-
Middle · Grades 7–12 · 9.4 mi
E
Chautauqua Lake Elementary SchoolA
Elementary · Grades PK–6 · 9.4 mi

District: Chautauqua Lake Central School District

Neighborhood · ZIP 14785These 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.182
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 100.35

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.34%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.21%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.16%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.1
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.102 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$69,048
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$105,072
Average tempThe average temperature here across a full year.46°F
Annual precipHow much rain and melted snow falls here in a typical year.45 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.48%

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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

3540 Ross 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 more than 98% of homes in Chautauqua County
  • Costs more per square foot than 97% of homes in Chautauqua County
  • Bigger than 95% of homes in Stow 14785
  • Has a smaller lot than 70% of homes in Chautauqua County
  • Older than 73% of homes in Stow 14785

What homes are worth in Stow 14785

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

This home
$152K$1.4M

This home is worth more than 95% of homes in Stow 14785.

How it measures up in Stow 14785

The dot is this home. The mark in the middle is the typical home in Stow 14785.

Estimated value$773,918
CheaperTypical $405,208Pricier

Pricier than 95% of homes nearby

Price per ft²$336
CheaperTypical $281Pricier

Pricier than 76% of homes nearby

Living area2,302 ft²
SmallerTypical 1,158 ft²Bigger

Bigger than 95% of homes nearby

Lot size0.18 ac
SmallerTypical 0.22 acBigger

Bigger than 41% of homes nearby

Year built1930
OlderTypical 1950Newer

Newer than 27% of homes nearby

How 3540 Ross St ranks against every home in each area.
MeasureThis homeStow 14785Chautauqua County
Estimated valuepricier than$773,91895% of homes98% of homes
Price per ft²pricier than$33676% of homes97% of homes
Living areabigger than2,302 ft²95% of homes86% of homes
Lot sizebigger than0.18 ac41% of homes30% of homes
Year builtnewer than193027% of homes45% of homes

About 3540 Ross St

How much is 3540 Ross St, Stow, NY worth?

The TopHap Estimate for 3540 Ross St, Stow, NY is $773,918 as of Sep 24, 2026. The likely range is $556,218 to $991,618. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3540 Ross St, Stow, NY last sell?

3540 Ross St, Stow, NY last sold on Nov 17, 2023 for $895,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 3540 Ross St, Stow, NY?

3540 Ross St, Stow, NY has 5 bedrooms, 4 bathrooms, 2,302 square feet of living space and a 0.18-acre lot.

When was 3540 Ross St, Stow, NY built?

3540 Ross St, Stow, NY was built in 1930, making it 96 years old. It is a cottage home. The building has 2 stories.

What schools serve 3540 Ross St, Stow, NY?

3540 Ross St, Stow, NY is assigned to Chautauqua Lake Secondary School (middle), rated A-; Chautauqua Lake Elementary School (elementary), rated A. All sit in Chautauqua Lake Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3540 Ross St, Stow, NY compare to other homes in Stow 14785?

Among the 121 homes in Stow 14785, it is worth more than 95% of them ($773,918 against a typical $405,208), its price per square foot is higher than 76% of them ($336 against a typical $281), it is bigger than 95% of them (2,302 ft² against a typical 1,158 ft²), its lot is bigger than 41% of them (0.18 ac against a typical 0.22 ac) and it is newer than 27% of them (1930 against a typical 1950). Measured against all of Chautauqua 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 3540 Ross St, Stow, NY?

The 2024 property tax bill for 3540 Ross St, Stow, NY was $7,352. The county assessed it at $301,500.

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