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Rural ResidenceResidential
$1,315,729$507 / 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 97How 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
Last sold for $947,600 on Jul 28, 2020

3976 STATE ROUTE 203

NORTH CHATHAM, NY 12132
3
Beds
3 / 1
Baths
2,595 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.
24.01 ac
Lot SizeThe size of the land the home sits on, from county records.
1999
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
5
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$1.3M
$1.3M low$1.4M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$947,600 · Jul 28, 2020
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.$557,649
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$446,119
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.51%
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.$758,080
WELLS FARGO BK · recorded Jul 28, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$21,882 (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.$1,049,300 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$294,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$755,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$1,049,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,279,634

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.36
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
13
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
60
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
89
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.Rural Residence
StyleThe architectural style of the home, such as ranch or colonial.Colonial
CountyColumbia
Lot (acres)The size of the land the home sits on, from county records.24.01
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
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, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 872 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
Ichabod Crane Elementary SchoolB
Elementary · Grades KG–3 · 2.8 mi
M
Ichabod Crane Middle SchoolB
Middle · Grades 4–8 · 2.9 mi
H
Ichabod Crane Senior High SchoolA-
High · Grades 9–12 · 3.1 mi

District: Kinderhook Central School District (Ichabod Crane)

Neighborhood · ZIP 12132These 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.124
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.85
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.81%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.16%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.1%
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.40
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.134 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$99,262
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$122,827
Average tempThe average temperature here across a full year.47°F
Annual precipHow much rain and melted snow falls here in a typical year.41 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.52%

Ownership

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

3976 State Route 203 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 94% of homes in Columbia County
  • Costs more per square foot than 91% of homes in Columbia County
  • Bigger than 85% of homes in Columbia County
  • Has a bigger lot than 92% of homes in Columbia County
  • Newer than 85% of homes in Columbia County

What homes are worth in Columbia County

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

This home
$290K$1.1M

This home is worth more than almost all homes in Columbia County.

How it measures up in Columbia County

The dot is this home. The mark in the middle is the typical home in Columbia County.

Estimated value$1,315,729
CheaperTypical $468,143Pricier

Pricier than 94% of homes nearby

Price per ft²$507
CheaperTypical $288Pricier

Pricier than 91% of homes nearby

Living area2,595 ft²
SmallerTypical 1,680 ft²Bigger

Bigger than 85% of homes nearby

Lot size24.01 ac
SmallerTypical 1.57 acBigger

Bigger than 92% of homes nearby

Year built1999
OlderTypical 1965Newer

Newer than 85% of homes nearby

How 3976 State Route 203 ranks against every home in each area.
MeasureThis homeColumbia County
Estimated valuepricier than$1,315,72994% of homes
Price per ft²pricier than$50791% of homes
Living areabigger than2,595 ft²85% of homes
Lot sizebigger than24.01 ac92% of homes
Year builtnewer than199985% of homes

About 3976 State Route 203

How much is 3976 State Route 203, North Chatham, NY worth?

The TopHap Estimate for 3976 State Route 203, North Chatham, NY is $1,315,729 as of Jul 14, 2026. The likely range is $1,270,641 to $1,360,817. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3976 State Route 203, North Chatham, NY last sell?

3976 State Route 203, North Chatham, NY last sold on Jul 28, 2020 for $947,600, according to the county's recorded deed.

How big is 3976 State Route 203, North Chatham, NY?

3976 State Route 203, North Chatham, NY has 3 bedrooms, 3 bathrooms, 2,595 square feet of living space and a 24.01-acre lot.

When was 3976 State Route 203, North Chatham, NY built?

3976 State Route 203, North Chatham, NY was built in 1999, making it 27 years old. It is a colonial home. The building has 2 stories.

What schools serve 3976 State Route 203, North Chatham, NY?

3976 State Route 203, North Chatham, NY is assigned to Ichabod Crane Elementary School (elementary), rated B; Ichabod Crane Middle School (middle), rated B; Ichabod Crane Senior High School (high), rated A-. All sit in Kinderhook Central School District (Ichabod Crane). Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3976 State Route 203, North Chatham, NY compare to other homes in Columbia County?

Among the 26,228 homes in Columbia County, it is worth more than 94% of them ($1,315,729 against a typical $468,143), its price per square foot is higher than 91% of them ($507 against a typical $288), it is bigger than 85% of them (2,595 ft² against a typical 1,680 ft²), its lot is bigger than 92% of them (24.01 ac against a typical 1.57 ac) and it is newer than 85% of them (1999 against a typical 1965). These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 3976 State Route 203, North Chatham, NY?

The 2025 property tax bill for 3976 State Route 203, North Chatham, NY was $21,882. The county assessed it at $1,049,300.

Closest homes

More homes in North Chatham 12132

Assigned schools

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