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Single Family ResidenceResidential
$296,108$204 / 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 97How 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

4243 STATE ROUTE 85

WESTERLO, NY 12193
3
Beds
2
Baths
1,450 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.
8 ac
Lot SizeThe size of the land the home sits on, from county records.
1994
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$296K
$287K low$306K 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.$296,108
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$236,886

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,708 (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.$1,525 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$1,225
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$1,525
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$262,931

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.37
16
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
7
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
53
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
91
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
21
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.13 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
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.Ranch
CountyALBANY
Lot (acres)The size of the land the home sits on, from county records.8.00
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 · 320 ft²

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

M
Berne-Knox-Westerlo Junior-Senior High SchoolC
Middle · Grades 7–12 · 6.8 mi
E
Berne-Knox-Westerlo Elementary SchoolB
Elementary · Grades PK–6 · 6.9 mi

District: Berne-Knox-Westerlo Central School District

Neighborhood · ZIP 12193These 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.95
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 100.56

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.83%
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.6.1%
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.2,233
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.55 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$79,984
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$95,082
Average tempThe average temperature here across a full year.45°F
Annual precipHow much rain and melted snow falls here in a typical year.44 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

4243 State Route 85 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 70% of homes in Albany County
  • Costs less per square foot than 65% of homes in Albany County
  • Smaller than 68% of homes in Albany County
  • Has a bigger lot than 96% of homes in Albany County
  • Newer than 86% of homes in Albany County

What homes are worth in Westerlo 12193

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

This home
$141K$718K

This home is worth more than 48% of homes in Westerlo 12193.

How it measures up in Westerlo 12193

The dot is this home. The mark in the middle is the typical home in Westerlo 12193.

Estimated value$296,108
CheaperTypical $305,882Pricier

Pricier than 48% of homes nearby

Price per ft²$204
CheaperTypical $188Pricier

Pricier than 61% of homes nearby

Living area1,450 ft²
SmallerTypical 1,564 ft²Bigger

Bigger than 45% of homes nearby

Lot size8 ac
SmallerTypical 5 acBigger

Bigger than 66% of homes nearby

Year built1994
OlderTypical 1975Newer

Newer than 75% of homes nearby

How 4243 State Route 85 ranks against every home in each area.
MeasureThis homeWesterlo 12193Albany County
Estimated valuepricier than$296,10848% of homes30% of homes
Price per ft²pricier than$20461% of homes35% of homes
Living areabigger than1,450 ft²45% of homes32% of homes
Lot sizebigger than8 ac66% of homes96% of homes
Year builtnewer than199475% of homes86% of homes

About 4243 State Route 85

How much is 4243 State Route 85, Westerlo, NY worth?

The TopHap Estimate for 4243 State Route 85, Westerlo, NY is $296,108 as of Jul 14, 2026. The likely range is $286,554 to $305,662. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4243 State Route 85, Westerlo, NY last sell?

4243 State Route 85, Westerlo, NY last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 4243 State Route 85, Westerlo, NY?

4243 State Route 85, Westerlo, NY has 3 bedrooms, 2 bathrooms, 1,450 square feet of living space and a 8.00-acre lot.

When was 4243 State Route 85, Westerlo, NY built?

4243 State Route 85, Westerlo, NY was built in 1994, making it 32 years old. It is a ranch home. The building has 1 story.

What schools serve 4243 State Route 85, Westerlo, NY?

4243 State Route 85, Westerlo, NY is assigned to Berne-Knox-Westerlo Junior-Senior High School (middle), rated C; Berne-Knox-Westerlo Elementary School (elementary), rated B. All sit in Berne-Knox-Westerlo Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 4243 State Route 85, Westerlo, NY compare to other homes in Westerlo 12193?

Among the 951 homes in Westerlo 12193, it is worth more than 48% of them ($296,108 against a typical $305,882), its price per square foot is higher than 61% of them ($204 against a typical $188), it is bigger than 45% of them (1,450 ft² against a typical 1,564 ft²), its lot is bigger than 66% of them (8 ac against a typical 5 ac) and it is newer than 75% of them (1994 against a typical 1975). Measured against all of Albany County, it is worth more than 30% 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 4243 State Route 85, Westerlo, NY?

The 2025 property tax bill for 4243 State Route 85, Westerlo, NY was $1,708. The county assessed it at $1,525.

Closest homes

More homes in Westerlo 12193

Assigned schools

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