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Single Family ResidenceResidential
$240,090$119 / 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 84How 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
Last sold for $50,000 on Aug 2, 2007

45 COTTAGE ST

ROSCOE, NY 12776
4
Beds
2
Baths
2,016 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.
0.25 ac
Lot SizeThe size of the land the home sits on, from county records.
1860
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

$240K
$201K low$279K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$50,000 · Aug 2, 2007
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.$240,090
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$192,072

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,658 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$100,000 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$9,800
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$90,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$100,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$279,700

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.72 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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.Traditional/Old
CountySullivan
Lot (acres)The size of the land the home sits on, from county records.0.26
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
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 123 ft²

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

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

E
Roscoe Central SchoolC
Elementary · Grades PK–12 · 0.5 mi

District: Roscoe Central School District

Neighborhood · ZIP 12776These 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.132
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.98
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.44

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.54%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.19%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.11%
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.2,383
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.19 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$57,518
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$88,917
Average tempThe average temperature here across a full year.43°F
Annual precipHow much rain and melted snow falls here in a typical year.48 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

45 Cottage St 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 79% of homes in Sullivan County
  • Costs less per square foot than 95% of homes in Sullivan County
  • Bigger than 76% of homes in Roscoe 12776
  • Has a smaller lot than 91% of homes in Roscoe 12776
  • Among the oldest homes in Sullivan County

What homes are worth in Roscoe 12776

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

This home
$112K$993K

This home is worth more than 30% of homes in Roscoe 12776.

How it measures up in Roscoe 12776

The dot is this home. The mark in the middle is the typical home in Roscoe 12776.

Estimated value$240,090
CheaperTypical $316,860Pricier

Pricier than 30% of homes nearby

Price per ft²$119
CheaperTypical $206Pricier

Pricier than 11% of homes nearby

Living area2,016 ft²
SmallerTypical 1,534 ft²Bigger

Bigger than 76% of homes nearby

Lot size0.25 ac
SmallerTypical 2.46 acBigger

Bigger than 9% of homes nearby

Year built1860
OlderTypical 1960Newer

Newer than 3% of homes nearby

How 45 Cottage St ranks against every home in each area.
MeasureThis homeRoscoe 12776Sullivan County
Estimated valuepricier than$240,09030% of homes21% of homes
Price per ft²pricier than$11911% of homes5% of homes
Living areabigger than2,016 ft²76% of homes75% of homes
Lot sizebigger than0.25 ac9% of homes25% of homes
Year builtnewer than18603% of homesalmost no homes

About 45 Cottage St

How much is 45 Cottage St, Roscoe, NY worth?

The TopHap Estimate for 45 Cottage St, Roscoe, NY is $240,090 as of Jul 14, 2026. The likely range is $200,692 to $279,488. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 45 Cottage St, Roscoe, NY last sell?

45 Cottage St, Roscoe, NY last sold on Aug 2, 2007 for $50,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 45 Cottage St, Roscoe, NY?

45 Cottage St, Roscoe, NY has 4 bedrooms, 2 bathrooms, 2,016 square feet of living space and a 0.26-acre lot.

When was 45 Cottage St, Roscoe, NY built?

45 Cottage St, Roscoe, NY was built in 1860, making it 166 years old. It is a traditional/old home. The building has 2 stories.

What schools serve 45 Cottage St, Roscoe, NY?

45 Cottage St, Roscoe, NY is assigned to Roscoe Central School (elementary), rated C. All sit in Roscoe Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 45 Cottage St, Roscoe, NY compare to other homes in Roscoe 12776?

Among the 1,463 homes in Roscoe 12776, it is worth more than 30% of them ($240,090 against a typical $316,860), its price per square foot is higher than 11% of them ($119 against a typical $206), it is bigger than 76% of them (2,016 ft² against a typical 1,534 ft²), its lot is bigger than 9% of them (0.25 ac against a typical 2.46 ac) and it is newer than 3% of them (1860 against a typical 1960). Measured against all of Sullivan County, it is worth more than 21% 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 45 Cottage St, Roscoe, NY?

The 2024 property tax bill for 45 Cottage St, Roscoe, NY was $5,658. The county assessed it at $100,000.

Closest homes

More homes in Roscoe 12776

Assigned schools

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