Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$378,400$218 / 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 81How 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

3986 STATE ROUTE 96

WATERLOO, NY 13165
4
Beds
1.5
Baths
1,732 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.
5 ac
Lot SizeThe size of the land the home sits on, from county records.
1963
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$378K
$306K low$451K 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.$338,400
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$270,720
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.12%
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.$40,000
FINGER LAKES FEDERAL CREDIT UNION · R · recorded Apr 29, 2024

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,856 (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.$186,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$30,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$156,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$186,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$327,200

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.24 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%

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.Ranch
CountySENECA
Lot (acres)The size of the land the home sits on, from county records.5.00
HeatingThe type of heating system in the home.Hot Water
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.No

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

E
Skoi-Yase School
Elementary · Grades PK–2 · 4.5 mi
M
Waterloo Middle SchoolC+
Middle · Grades 6–8 · 5.7 mi
H
Waterloo High SchoolC-
High · Grades 9–12 · 5.7 mi

District: Waterloo Central School District

Neighborhood · ZIP 13165These 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.115
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 100.43

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.14%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.13%
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.9,925
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.137 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$63,542
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$84,808
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.35 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.49%

Ownership

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

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

3986 State Route 96 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 97% of homes in Waterloo 13165
  • Among the highest price per square foot in Waterloo 13165
  • Has a bigger lot than 88% of homes in Waterloo 13165

What homes are worth in Waterloo 13165

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

This home
$71K$399K

This home is worth more than 97% of homes in Waterloo 13165.

How it measures up in Waterloo 13165

The dot is this home. The mark in the middle is the typical home in Waterloo 13165.

Estimated value$378,400
CheaperTypical $164,626Pricier

Pricier than 97% of homes nearby

Price per ft²$218
CheaperTypical $115Pricier

Pricier than almost all homes nearby

Living area1,732 ft²
SmallerTypical 1,506 ft²Bigger

Bigger than 64% of homes nearby

Lot size5 ac
SmallerTypical 0.56 acBigger

Bigger than 88% of homes nearby

Year built1963
OlderTypical 1951Newer

Newer than 60% of homes nearby

How 3986 State Route 96 ranks against every home in each area.
MeasureThis homeWaterloo 13165Seneca County
Estimated valuepricier than$378,40097% of homes84% of homes
Price per ft²pricier than$218almost all homes84% of homes
Living areabigger than1,732 ft²64% of homes61% of homes
Lot sizebigger than5 ac88% of homes86% of homes
Year builtnewer than196360% of homes60% of homes

About 3986 State Route 96

How much is 3986 State Route 96, Waterloo, NY worth?

The TopHap Estimate for 3986 State Route 96, Waterloo, NY is $378,400 as of Jul 14, 2026. The likely range is $305,579 to $451,221. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3986 State Route 96, Waterloo, NY last sell?

3986 State Route 96, Waterloo, NY last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 3986 State Route 96, Waterloo, NY?

3986 State Route 96, Waterloo, NY has 4 bedrooms, 1.5 bathrooms, 1,732 square feet of living space and a 5.00-acre lot.

When was 3986 State Route 96, Waterloo, NY built?

3986 State Route 96, Waterloo, NY was built in 1963, making it 63 years old. It is a ranch home. The building has 1 story.

What schools serve 3986 State Route 96, Waterloo, NY?

3986 State Route 96, Waterloo, NY is assigned to Skoi-Yase School (elementary); Waterloo Middle School (middle), rated C+; Waterloo High School (high), rated C-. All sit in Waterloo Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3986 State Route 96, Waterloo, NY compare to other homes in Waterloo 13165?

Among the 3,349 homes in Waterloo 13165, it is worth more than 97% of them ($378,400 against a typical $164,626), its price per square foot is higher than almost all of them ($218 against a typical $115), it is bigger than 64% of them (1,732 ft² against a typical 1,506 ft²), its lot is bigger than 88% of them (5 ac against a typical 0.56 ac) and it is newer than 60% of them (1963 against a typical 1951). Measured against all of Seneca County, it is worth more than 84% 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 3986 State Route 96, Waterloo, NY?

The 2025 property tax bill for 3986 State Route 96, Waterloo, NY was $5,856. The county assessed it at $186,500.

Closest homes

More homes in Waterloo 13165

Assigned schools

Explore the area

See this home in context

Open 3986 State Route 96 on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map