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Single Family ResidenceResidential
$91,505$55 / 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 86How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026

433 STATE ROUTE 186

SARANAC LAKE, NY 12983
5
Beds
2
Baths
1,658 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.
0.75 ac
Lot SizeThe size of the land the home sits on, from county records.
1969
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

$92K
$79K low$104K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,897 (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.$133,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$39,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$94,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$133,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$203,630

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.139 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%

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
CountyFRANKLIN
Lot (acres)The size of the land the home sits on, from county records.0.75
HeatingThe type of heating system in the home.Electric
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
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 408 ft²

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

H
Saranac Lake High SchoolB
High · Grades 9–12 · 4.2 mi
M
Saranac Lake Middle SchoolB
Middle · Grades 6–8 · 4.5 mi
E
Bloomingdale Elementary SchoolC+
Elementary · Grades KG–5 · 5.3 mi

District: Saranac Lake Central School District

Neighborhood · ZIP 12983These 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.129
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.85
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.135

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.78%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.17%
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.1.1%
PopulationHow many people live in this area.6,688
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.30 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$63,916
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$84,152
Average tempThe average temperature here across a full year.40°F
Annual precipHow much rain and melted snow falls here in a typical year.43 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

433 State Route 186 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 78% of homes in Saranac Lake 12983
  • Costs less per square foot than 84% of homes in Saranac Lake 12983
  • Bigger than 69% of homes in Franklin County

What homes are worth in Saranac Lake 12983

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

This home
$48K$1.1M

This home is worth more than 22% of homes in Saranac Lake 12983.

How it measures up in Saranac Lake 12983

The dot is this home. The mark in the middle is the typical home in Saranac Lake 12983.

Estimated value$91,505
CheaperTypical $167,078Pricier

Pricier than 22% of homes nearby

Price per ft²$55
CheaperTypical $112Pricier

Pricier than 16% of homes nearby

Living area1,658 ft²
SmallerTypical 1,521 ft²Bigger

Bigger than 58% of homes nearby

Lot size0.75 ac
SmallerTypical 0.5 acBigger

Bigger than 60% of homes nearby

Year built1969
OlderTypical 1946Newer

Newer than 62% of homes nearby

How 433 State Route 186 ranks against every home in each area.
MeasureThis homeSaranac Lake 12983Franklin County
Estimated valuepricier than$91,50522% of homes32% of homes
Price per ft²pricier than$5516% of homes21% of homes
Living areabigger than1,658 ft²58% of homes69% of homes
Lot sizebigger than0.75 ac60% of homes40% of homes
Year builtnewer than196962% of homes55% of homes

About 433 State Route 186

How much is 433 State Route 186, Saranac Lake, NY worth?

The TopHap Estimate for 433 State Route 186, Saranac Lake, NY is $91,505 as of Oct 21, 2026. The likely range is $79,022 to $103,988. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 433 State Route 186, Saranac Lake, NY last sell?

433 State Route 186, Saranac Lake, NY last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 433 State Route 186, Saranac Lake, NY?

433 State Route 186, Saranac Lake, NY has 5 bedrooms, 2 bathrooms, 1,658 square feet of living space and a 0.75-acre lot.

When was 433 State Route 186, Saranac Lake, NY built?

433 State Route 186, Saranac Lake, NY was built in 1969, making it 57 years old. It is a raised ranch home. The building has 1 story.

What schools serve 433 State Route 186, Saranac Lake, NY?

433 State Route 186, Saranac Lake, NY is assigned to Saranac Lake High School (high), rated B; Saranac Lake Middle School (middle), rated B; Bloomingdale Elementary School (elementary), rated C+. All sit in Saranac Lake Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 433 State Route 186, Saranac Lake, NY compare to other homes in Saranac Lake 12983?

Among the 3,174 homes in Saranac Lake 12983, it is worth more than 22% of them ($91,505 against a typical $167,078), its price per square foot is higher than 16% of them ($55 against a typical $112), it is bigger than 58% of them (1,658 ft² against a typical 1,521 ft²), its lot is bigger than 60% of them (0.75 ac against a typical 0.5 ac) and it is newer than 62% of them (1969 against a typical 1946). Measured against all of Franklin County, it is worth more than 32% 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 433 State Route 186, Saranac Lake, NY?

The 2026 property tax bill for 433 State Route 186, Saranac Lake, NY was $1,897. The county assessed it at $133,500.

More homes on State Route 186

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