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Single Family ResidenceResidential
$551,370$232 / 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 89How 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

3909 ROUTE 32

SAUGERTIES, NY 12477
3
Beds
2 / 1
Baths
2,376 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.
1910
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$551K
$492K low$611K 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.$426,370
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$341,096
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.24%
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.$125,000
MID HUDSON VALLEY FEDERAL CREDIT UNION · recorded Jan 27, 2017

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$10,816 (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.$513,000 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$92,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$420,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$450,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$513,000

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.15 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.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Traditional/Old
CountyUlster
Lot (acres)The size of the land the home sits on, from county records.4.60
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.Porch · 360 ft²

Neighborhood · ZIP 12477These 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.118
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.81
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.90%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.20%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.9%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.20,585
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.288 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$74,893
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$105,238
Average tempThe average temperature here across a full year.48°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.58%

Ownership

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

3909 Route 32 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 76% of homes in Saugerties 12477
  • Costs less per square foot than 80% of homes in Saugerties 12477
  • Bigger than 86% of homes in Saugerties 12477
  • Has a bigger lot than 87% of homes in Saugerties 12477
  • Older than 85% of homes in Saugerties 12477

What homes are worth in Saugerties 12477

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

This home
$203K$1.1M

This home is worth more than 76% of homes in Saugerties 12477.

How it measures up in Saugerties 12477

The dot is this home. The mark in the middle is the typical home in Saugerties 12477.

Estimated value$551,370
CheaperTypical $414,509Pricier

Pricier than 76% of homes nearby

Price per ft²$232
CheaperTypical $276Pricier

Pricier than 20% of homes nearby

Living area2,376 ft²
SmallerTypical 1,547 ft²Bigger

Bigger than 86% of homes nearby

Lot size4.6 ac
SmallerTypical 0.75 acBigger

Bigger than 87% of homes nearby

Year built1910
OlderTypical 1962Newer

Newer than 15% of homes nearby

How 3909 Route 32 ranks against every home in each area.
MeasureThis homeSaugerties 12477Ulster County
Estimated valuepricier than$551,37076% of homes70% of homes
Price per ft²pricier than$23220% of homes23% of homes
Living areabigger than2,376 ft²86% of homes83% of homes
Lot sizebigger than4.6 ac87% of homes84% of homes
Year builtnewer than191015% of homes15% of homes

About 3909 Route 32

How much is 3909 Route 32, Saugerties, NY worth?

The TopHap Estimate for 3909 Route 32, Saugerties, NY is $551,370 as of Jul 14, 2026. The likely range is $491,734 to $611,006. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 3909 Route 32, Saugerties, NY?

3909 Route 32, Saugerties, NY has 3 bedrooms, 2 bathrooms, 2,376 square feet of living space and a 4.60-acre lot.

When was 3909 Route 32, Saugerties, NY built?

3909 Route 32, Saugerties, NY was built in 1910, making it 116 years old. It is a traditional/old home. The building has 2 stories.

How does 3909 Route 32, Saugerties, NY compare to other homes in Saugerties 12477?

Among the 7,365 homes in Saugerties 12477, it is worth more than 76% of them ($551,370 against a typical $414,509), its price per square foot is higher than 20% of them ($232 against a typical $276), it is bigger than 86% of them (2,376 ft² against a typical 1,547 ft²), its lot is bigger than 87% of them (4.6 ac against a typical 0.75 ac) and it is newer than 15% of them (1910 against a typical 1962). Measured against all of Ulster County, it is worth more than 70% 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 3909 Route 32, Saugerties, NY?

The 2024 property tax bill for 3909 Route 32, Saugerties, NY was $10,816. The county assessed it at $513,000.

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