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Single Family ResidenceResidential
$329,368$210 / 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 92How 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
Last sold for $120,500 on Jan 23, 1997

4040 RIVER RD

SCHENECTADY, NY 12309
3
Beds
2
Baths
1,570 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.
0.3 ac
Lot SizeThe size of the land the home sits on, from county records.
1996
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$329K
$305K low$354K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$120,500 · Jan 23, 1997

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$8,918 (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.$215,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$27,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$187,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$215,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$318,500

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.31 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.Raised Ranch
CountySCHENECTADY
Lot (acres)The size of the land the home sits on, from county records.0.30
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, Basement
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
Birchwood Elementary SchoolA
Elementary · Grades KG–5 · 1.1 mi
M
Iroquois Middle SchoolA
Middle · Grades 6–8 · 2.8 mi
H
Niskayuna High SchoolA
High · Grades 9–12 · 4.7 mi

District: Niskayuna Central School District

Neighborhood · ZIP 12309These 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.57
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 100.63

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.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.29%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.9%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.31,226
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,817 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$120,409
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$142,373
Average tempThe average temperature here across a full year.47°F
Annual precipHow much rain and melted snow falls here in a typical year.38 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.52%

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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

4040 River Rd 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 less than 69% of homes in Schenectady 12309
  • Costs more per square foot than 66% of homes in Schenectady County
  • Smaller than 72% of homes in Schenectady 12309
  • Newer than 91% of homes in Schenectady County

What homes are worth in Schenectady 12309

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

This home
$202K$875K

This home is worth more than 31% of homes in Schenectady 12309.

How it measures up in Schenectady 12309

The dot is this home. The mark in the middle is the typical home in Schenectady 12309.

Estimated value$329,368
CheaperTypical $395,226Pricier

Pricier than 31% of homes nearby

Price per ft²$210
CheaperTypical $211Pricier

Pricier than 49% of homes nearby

Living area1,570 ft²
SmallerTypical 1,908 ft²Bigger

Bigger than 28% of homes nearby

Lot size0.3 ac
SmallerTypical 0.33 acBigger

Bigger than 46% of homes nearby

Year built1996
OlderTypical 1959Newer

Newer than 87% of homes nearby

How 4040 River Rd ranks against every home in each area.
MeasureThis homeSchenectady 12309Schenectady County
Estimated valuepricier than$329,36831% of homes63% of homes
Price per ft²pricier than$21049% of homes66% of homes
Living areabigger than1,570 ft²28% of homes45% of homes
Lot sizebigger than0.3 ac46% of homes60% of homes
Year builtnewer than199687% of homes91% of homes

About 4040 River Rd

How much is 4040 River Rd, Schenectady, NY worth?

The TopHap Estimate for 4040 River Rd, Schenectady, NY is $329,368 as of Sep 24, 2026. The likely range is $304,651 to $354,085. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4040 River Rd, Schenectady, NY last sell?

4040 River Rd, Schenectady, NY last sold on Jan 23, 1997 for $120,500, according to the county's recorded deed.

How big is 4040 River Rd, Schenectady, NY?

4040 River Rd, Schenectady, NY has 3 bedrooms, 2 bathrooms, 1,570 square feet of living space and a 0.30-acre lot.

When was 4040 River Rd, Schenectady, NY built?

4040 River Rd, Schenectady, NY was built in 1996, making it 30 years old. It is a raised ranch home. The building has 1 story.

What schools serve 4040 River Rd, Schenectady, NY?

4040 River Rd, Schenectady, NY is assigned to Birchwood Elementary School (elementary), rated A; Iroquois Middle School (middle), rated A; Niskayuna High School (high), rated A. All sit in Niskayuna Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 4040 River Rd, Schenectady, NY compare to other homes in Schenectady 12309?

Among the 10,846 homes in Schenectady 12309, it is worth more than 31% of them ($329,368 against a typical $395,226), its price per square foot is higher than 49% of them ($210 against a typical $211), it is bigger than 28% of them (1,570 ft² against a typical 1,908 ft²), its lot is bigger than 46% of them (0.3 ac against a typical 0.33 ac) and it is newer than 87% of them (1996 against a typical 1959). Measured against all of Schenectady County, it is worth more than 63% 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 4040 River Rd, Schenectady, NY?

The 2026 property tax bill for 4040 River Rd, Schenectady, NY was $8,918. The county assessed it at $215,000.

More homes on River Rd

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Assigned schools

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