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Single Family ResidenceResidential
$399,615$236 / 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 94How 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

4049 RIVER RD

SCHENECTADY, NY 12309
3
Beds
2
Baths
1,693 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.
0.54 ac
Lot SizeThe size of the land the home sits on, from county records.
1945
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

$400K
$374K low$425K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,718 (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.$124,700 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$24,900
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$99,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$124,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$285,400

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.51
99
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
12
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
63
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
72
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
12
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.197 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.1 percent flood zone

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
CountyALBANY
Lot (acres)The size of the land the home sits on, from county records.0.54
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.No Foundation
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, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.No
ViewThe type of view from the property, or another feature of the site that affects value.View Not Specified
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 817 ft²

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 · 1.2 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

4049 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.

  • Costs more per square foot than 74% of homes in Schenectady 12309
  • Has a bigger lot than 83% of homes in Schenectady 12309
  • Older than 70% of homes in Schenectady 12309

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 52% 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$399,615
CheaperTypical $395,226Pricier

Pricier than 52% of homes nearby

Price per ft²$236
CheaperTypical $211Pricier

Pricier than 74% of homes nearby

Living area1,693 ft²
SmallerTypical 1,908 ft²Bigger

Bigger than 37% of homes nearby

Lot size0.54 ac
SmallerTypical 0.33 acBigger

Bigger than 83% of homes nearby

Year built1945
OlderTypical 1959Newer

Newer than 30% of homes nearby

How 4049 River Rd ranks against every home in each area.
MeasureThis homeSchenectady 12309Albany County
Estimated valuepricier than$399,61552% of homes62% of homes
Price per ft²pricier than$23674% of homes60% of homes
Living areabigger than1,693 ft²37% of homes46% of homes
Lot sizebigger than0.54 ac83% of homes79% of homes
Year builtnewer than194530% of homes35% of homes

About 4049 River Rd

How much is 4049 River Rd, Schenectady, NY worth?

The TopHap Estimate for 4049 River Rd, Schenectady, NY is $399,615 as of Sep 24, 2026. The likely range is $374,456 to $424,774. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4049 River Rd, Schenectady, NY last sell?

4049 River Rd, Schenectady, NY last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 4049 River Rd, Schenectady, NY?

4049 River Rd, Schenectady, NY has 3 bedrooms, 2 bathrooms, 1,693 square feet of living space and a 0.54-acre lot.

When was 4049 River Rd, Schenectady, NY built?

4049 River Rd, Schenectady, NY was built in 1945, making it 81 years old. It is a ranch home. The building has 1 story.

What schools serve 4049 River Rd, Schenectady, NY?

4049 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 4049 River Rd, Schenectady, NY compare to other homes in Schenectady 12309?

Among the 10,846 homes in Schenectady 12309, it is worth more than 52% of them ($399,615 against a typical $395,226), its price per square foot is higher than 74% of them ($236 against a typical $211), it is bigger than 37% of them (1,693 ft² against a typical 1,908 ft²), its lot is bigger than 83% of them (0.54 ac against a typical 0.33 ac) and it is newer than 30% of them (1945 against a typical 1959). Measured against all of Albany County, it is worth more than 62% 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 4049 River Rd, Schenectady, NY?

The 2025 property tax bill for 4049 River Rd, Schenectady, NY was $5,718. The county assessed it at $124,700.

More homes on River Rd

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