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Single Family ResidenceResidential
$730,949$449 / 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 96How 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 $419,000 on Feb 23, 2004

40 HARDING ST

PEARL RIVER, NY 10965
4
Beds
2 / 1
Baths
1,629 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.
0.45 ac
Lot SizeThe size of the land the home sits on, from county records.
1955
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$731K
$699K low$763K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$419,000 · Feb 23, 2004
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.$440,949
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$352,759
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.41%
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.$190,000
RBS CITIZENS NA · recorded Nov 26, 2010
2nd 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.$100,000
JP MORGAN CHASE BK

Tax & Assessment

Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$176,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$58,800
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$117,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$176,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$551,897

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.Cape Cod
CountyRockland
Lot (acres)The size of the land the home sits on, from county records.0.45
HeatingThe type of heating system in the home.Hot Water
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 403 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
Lincoln Avenue SchoolA-
Elementary · Grades KG–4 · 0.7 mi
H
Pearl River High SchoolA+
High · Grades 8–12 · 1.8 mi
M
Pearl River Middle SchoolB
Middle · Grades 5–7 · 2.3 mi

District: Pearl River Union Free School District

Neighborhood · ZIP 10965These 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.71
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.112
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.112

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.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.28%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.2%
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.15,807
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,914 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$139,939
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$161,425
Average tempThe average temperature here across a full year.52°F
Annual precipHow much rain and melted snow falls here in a typical year.50 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.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

40 Harding St 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.

  • Costs more per square foot than 78% of homes in Rockland County
  • Smaller than 68% of homes in Rockland County
  • Has a bigger lot than 78% of homes in Pearl River 10965
  • Older than 78% of homes in Rockland County

What homes are worth in Pearl River 10965

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

This home
$317K$1.2M

This home is worth more than 55% of homes in Pearl River 10965.

How it measures up in Pearl River 10965

The dot is this home. The mark in the middle is the typical home in Pearl River 10965.

Estimated value$730,949
CheaperTypical $715,342Pricier

Pricier than 55% of homes nearby

Price per ft²$449
CheaperTypical $409Pricier

Pricier than 75% of homes nearby

Living area1,629 ft²
SmallerTypical 1,786 ft²Bigger

Bigger than 40% of homes nearby

Lot size0.45 ac
SmallerTypical 0.32 acBigger

Bigger than 78% of homes nearby

Year built1955
OlderTypical 1957Newer

Newer than 46% of homes nearby

How 40 Harding St ranks against every home in each area.
MeasureThis homePearl River 10965Rockland County
Estimated valuepricier than$730,94955% of homes47% of homes
Price per ft²pricier than$44975% of homes78% of homes
Living areabigger than1,629 ft²40% of homes32% of homes
Lot sizebigger than0.45 ac78% of homes66% of homes
Year builtnewer than195546% of homes22% of homes

About 40 Harding St

How much is 40 Harding St, Pearl River, NY worth?

The TopHap Estimate for 40 Harding St, Pearl River, NY is $730,949 as of Jul 14, 2026. The likely range is $698,936 to $762,962. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 40 Harding St, Pearl River, NY last sell?

40 Harding St, Pearl River, NY last sold on Feb 23, 2004 for $419,000, according to the county's recorded deed.

How big is 40 Harding St, Pearl River, NY?

40 Harding St, Pearl River, NY has 4 bedrooms, 2 bathrooms, 1,629 square feet of living space and a 0.45-acre lot.

When was 40 Harding St, Pearl River, NY built?

40 Harding St, Pearl River, NY was built in 1955, making it 71 years old. It is a cape cod home. The building has 2 stories.

What schools serve 40 Harding St, Pearl River, NY?

40 Harding St, Pearl River, NY is assigned to Lincoln Avenue School (elementary), rated A-; Pearl River High School (high), rated A+; Pearl River Middle School (middle), rated B. All sit in Pearl River Union Free School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 40 Harding St, Pearl River, NY compare to other homes in Pearl River 10965?

Among the 4,696 homes in Pearl River 10965, it is worth more than 55% of them ($730,949 against a typical $715,342), its price per square foot is higher than 75% of them ($449 against a typical $409), it is bigger than 40% of them (1,629 ft² against a typical 1,786 ft²), its lot is bigger than 78% of them (0.45 ac against a typical 0.32 ac) and it is newer than 46% of them (1955 against a typical 1957). Measured against all of Rockland County, it is worth more than 47% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

Closest homes

More homes in Pearl River 10965

Assigned schools

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