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Single Family ResidenceResidential
$265,201$153 / 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 90How 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

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.
4
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$265K
$238K low$293K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,503 (2026)
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
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 400 ft²

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 SchoolD+
Middle · Grades 6–8 · 5.7 mi
H
Waterloo High SchoolD+
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%

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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

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 88% of homes in Waterloo 13165
  • Costs more per square foot than 80% of homes in Waterloo 13165
  • Bigger than 65% of homes 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
$90K$388K

This home is worth more than 88% 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$265,201
CheaperTypical $166,805Pricier

Pricier than 88% of homes nearby

Price per ft²$153
CheaperTypical $113Pricier

Pricier than 80% of homes nearby

Living area1,732 ft²
SmallerTypical 1,502 ft²Bigger

Bigger than 65% of homes nearby

Lot size5 ac
SmallerTypical 0.57 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$265,20188% of homes69% of homes
Price per ft²pricier than$15380% of homes66% of homes
Living areabigger than1,732 ft²65% of homes62% 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 $265,201 as of Sep 24, 2026. The likely range is $237,561 to $292,841. 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 D+; Waterloo High School (high), rated D+. 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 3,350 homes in Waterloo 13165, it is worth more than 88% of them ($265,201 against a typical $166,805), its price per square foot is higher than 80% of them ($153 against a typical $113), it is bigger than 65% of them (1,732 ft² against a typical 1,502 ft²), its lot is bigger than 88% of them (5 ac against a typical 0.57 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 69% 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 2026 property tax bill for 3986 State Route 96, Waterloo, NY was $6,503. The county assessed it at $186,500.

More homes on State Route 96

Closest homes

More homes in Waterloo 13165

Assigned schools

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