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Rural ResidenceResidential
$2,574,438$813 / 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 55How 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

435 COUNTY ROUTE 13

OLD CHATHAM, NY 12136
3
Beds
4 / 1
Baths
3,168 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.
20.43 ac
Lot SizeThe size of the land the home sits on, from county records.
2022
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

$2.6M
$1.4M low$3.7M 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.$1,924,438
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$1,539,550
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.27%
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.$650,000
UBS BANK USA · 4.2% 1 · recorded Oct 12, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$17,241 (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.$965,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$170,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$795,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$965,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,176,829

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
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
17
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
59
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
89
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.

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Rural Residence
StyleThe architectural style of the home, such as ranch or colonial.Contemporary
CountyColumbia
Lot (acres)The size of the land the home sits on, from county records.20.43
HeatingThe type of heating system in the home.Forced Air
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.In-Ground Vinyl Pool

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

M
Chatham Middle SchoolC-
Middle · Grades 6–8 · 4.8 mi
E
Mary E Dardess Elementary SchoolC+
Elementary · Grades PK–5 · 5.0 mi
H
Chatham High SchoolB+
High · Grades 9–12 · 5.0 mi

District: Chatham Central School District

Neighborhood · ZIP 12136These 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.104
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 100.54

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.80%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.33%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.10%
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.1,012
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.51 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$122,163
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$137,959
Average tempThe average temperature here across a full year.46°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%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.Yes

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

435 County Route 13 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.

  • Among the most valuable homes in Columbia County
  • Costs more per square foot than 98% of homes in Old Chatham 12136
  • Bigger than 92% of homes in Columbia County
  • Has a bigger lot than 91% of homes in Columbia County
  • Among the newest homes in Columbia County

What homes are worth in Old Chatham 12136

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

This home
$259K$2.9M

This home is worth more than 97% of homes in Old Chatham 12136.

How it measures up in Old Chatham 12136

The dot is this home. The mark in the middle is the typical home in Old Chatham 12136.

Estimated value$2,574,438
CheaperTypical $593,564Pricier

Pricier than 97% of homes nearby

Price per ft²$813
CheaperTypical $315Pricier

Pricier than 98% of homes nearby

Living area3,168 ft²
SmallerTypical 2,020 ft²Bigger

Bigger than 85% of homes nearby

Lot size20.43 ac
SmallerTypical 6.2 acBigger

Bigger than 80% of homes nearby

Year built2022
OlderTypical 1970Newer

Newer than 98% of homes nearby

How 435 County Route 13 ranks against every home in each area.
MeasureThis homeOld Chatham 12136Columbia County
Estimated valuepricier than$2,574,43897% of homesalmost all homes
Price per ft²pricier than$81398% of homes98% of homes
Living areabigger than3,168 ft²85% of homes92% of homes
Lot sizebigger than20.43 ac80% of homes91% of homes
Year builtnewer than202298% of homesalmost all homes

About 435 County Route 13

How much is 435 County Route 13, Old Chatham, NY worth?

The TopHap Estimate for 435 County Route 13, Old Chatham, NY is $2,574,438 as of Jul 14, 2026. The likely range is $1,420,758 to $3,728,118. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 435 County Route 13, Old Chatham, NY?

435 County Route 13, Old Chatham, NY has 3 bedrooms, 4 bathrooms, 3,168 square feet of living space and a 20.43-acre lot.

When was 435 County Route 13, Old Chatham, NY built?

435 County Route 13, Old Chatham, NY was built in 2022, making it 4 years old. It is a contemporary home. The building has 2 stories.

What schools serve 435 County Route 13, Old Chatham, NY?

435 County Route 13, Old Chatham, NY is assigned to Chatham Middle School (middle), rated C-; Mary E Dardess Elementary School (elementary), rated C+; Chatham High School (high), rated B+. All sit in Chatham Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 435 County Route 13, Old Chatham, NY compare to other homes in Old Chatham 12136?

Among the 509 homes in Old Chatham 12136, it is worth more than 97% of them ($2,574,438 against a typical $593,564), its price per square foot is higher than 98% of them ($813 against a typical $315), it is bigger than 85% of them (3,168 ft² against a typical 2,020 ft²), its lot is bigger than 80% of them (20.43 ac against a typical 6.2 ac) and it is newer than 98% of them (2022 against a typical 1970). Measured against all of Columbia County, it is worth more than almost all 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 435 County Route 13, Old Chatham, NY?

The 2025 property tax bill for 435 County Route 13, Old Chatham, NY was $17,241. The county assessed it at $965,000.

Closest homes

More homes in Old Chatham 12136

Assigned schools

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