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Rural ResidenceResidential
$894,020$584 / 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 55How 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

3861 STATE ROUTE 85

WESTERLO, NY 12193
3
Beds
2
Baths
1,530 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.
51.72 ac
Lot SizeThe size of the land the home sits on, from county records.
2003
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$894K
$494K low$1.3M high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,778 (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.$1,550 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$400
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$1,150
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$1,550
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$267,241

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.46
59
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
6
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
54
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.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.22 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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.Rural Residence
StyleThe architectural style of the home, such as ranch or colonial.Rustic
CountyALBANY
Lot (acres)The size of the land the home sits on, from county records.51.72
HeatingThe type of heating system in the home.Hot Water
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.Patio · 160 ft²

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Berne-Knox-Westerlo Junior-Senior High SchoolC
Middle · Grades 7–12 · 7.3 mi
E
Berne-Knox-Westerlo Elementary SchoolB
Elementary · Grades PK–6 · 7.3 mi

District: Berne-Knox-Westerlo 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%

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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

3861 State Route 85 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 most valuable homes in Westerlo 12193
  • Among the highest price per square foot in Albany County
  • Among the largest lots in Albany County
  • Newer than 91% 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
$143K$668K

This home is worth more than almost all 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$894,020
CheaperTypical $302,323Pricier

Pricier than almost all homes nearby

Price per ft²$584
CheaperTypical $191Pricier

Pricier than almost all homes nearby

Living area1,530 ft²
SmallerTypical 1,559 ft²Bigger

Bigger than 49% of homes nearby

Lot size51.72 ac
SmallerTypical 5 acBigger

Bigger than 92% of homes nearby

Year built2003
OlderTypical 1975Newer

Newer than 86% of homes nearby

How 3861 State Route 85 ranks against every home in each area.
MeasureThis homeWesterlo 12193Albany County
Estimated valuepricier than$894,020almost all homes98% of homes
Price per ft²pricier than$584almost all homesalmost all homes
Living areabigger than1,530 ft²49% of homes37% of homes
Lot sizebigger than51.72 ac92% of homesalmost all homes
Year builtnewer than200386% of homes91% of homes

About 3861 State Route 85

How much is 3861 State Route 85, Westerlo, NY worth?

The TopHap Estimate for 3861 State Route 85, Westerlo, NY is $894,020 as of Aug 30, 2026. The likely range is $494,443 to $1,293,597. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3861 State Route 85, Westerlo, NY last sell?

3861 State Route 85, Westerlo, NY last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 3861 State Route 85, Westerlo, NY?

3861 State Route 85, Westerlo, NY has 3 bedrooms, 2 bathrooms, 1,530 square feet of living space and a 51.72-acre lot.

When was 3861 State Route 85, Westerlo, NY built?

3861 State Route 85, Westerlo, NY was built in 2003, making it 23 years old. It is a rustic home. The building has 1 story.

What schools serve 3861 State Route 85, Westerlo, NY?

3861 State Route 85, Westerlo, NY is assigned to Berne-Knox-Westerlo Junior-Senior High School (middle), rated C; Berne-Knox-Westerlo Elementary School (elementary), rated B. All sit in Berne-Knox-Westerlo Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3861 State Route 85, Westerlo, NY compare to other homes in Westerlo 12193?

Among the 951 homes in Westerlo 12193, it is worth more than almost all of them ($894,020 against a typical $302,323), its price per square foot is higher than almost all of them ($584 against a typical $191), it is bigger than 49% of them (1,530 ft² against a typical 1,559 ft²), its lot is bigger than 92% of them (51.72 ac against a typical 5 ac) and it is newer than 86% of them (2003 against a typical 1975). Measured against all of Albany 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 3861 State Route 85, Westerlo, NY?

The 2025 property tax bill for 3861 State Route 85, Westerlo, NY was $2,778. The county assessed it at $1,550.

More homes on State Route 85

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More homes in Westerlo 12193

Assigned schools

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