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Duplex (2 Units, Any Combination)Residential
Last sold for $658,000 on Mar 9, 2023

45 GRAY ST

AMSTERDAM, NY 12010
6
Beds
2
Baths
2,602 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.
3,041 ft²
Lot SizeThe size of the land the home sits on, from county records.
1865
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$658,000 · Mar 9, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,953 (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.$39,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$2,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$36,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$39,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$114,706

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.28 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.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.Duplex (2 Units, Any Combination)
StyleThe architectural style of the home, such as ranch or colonial.Traditional/Old
CountyMONTGOMERY
Lot (acres)The size of the land the home sits on, from county records.0.07
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
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 · 599 ft²

Transaction History(5)

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
William H Barkley MicrosocietyD+
Elementary · Grades PK–5 · 0.3 mi
M
Wilbur H Lynch Literacy AcademyC-
Middle · Grades 6–8 · 0.9 mi
H
Amsterdam High SchoolD
High · Grades 9–12 · 2.4 mi

District: Amsterdam City School District

Neighborhood · ZIP 12010These 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.97
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.84
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.66

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.87%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.15%
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.1.3%
PopulationHow many people live in this area.30,758
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.230 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$63,310
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$76,860
Average tempThe average temperature here across a full year.46°F
Annual precipHow much rain and melted snow falls here in a typical year.42 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

45 Gray 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.

  • Bigger than 88% of homes in Montgomery County
  • Has a smaller lot than 98% of homes in Montgomery County
  • Older than 96% of homes in Amsterdam 12010

How it measures up in Amsterdam 12010

The dot is this home. The mark in the middle is the typical home in Amsterdam 12010.

Living area2,602 ft²
SmallerTypical 1,738 ft²Bigger

Bigger than 86% of homes nearby

Lot size3,041 ft²
SmallerTypical 0.29 acBigger

Bigger than 3% of homes nearby

Year built1865
OlderTypical 1940Newer

Newer than 4% of homes nearby

How 45 Gray St ranks against every home in each area.
MeasureThis homeAmsterdam 12010Montgomery County
Living areabigger than2,602 ft²86% of homes88% of homes
Lot sizebigger than3,041 ft²3% of homes2% of homes
Year builtnewer than18654% of homes7% of homes

About 45 Gray St

When did 45 Gray St, Amsterdam, NY last sell?

45 Gray St, Amsterdam, NY last sold on Mar 9, 2023 for $658,000, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 45 Gray St, Amsterdam, NY?

45 Gray St, Amsterdam, NY has 6 bedrooms, 2 bathrooms, 2,602 square feet of living space and a 0.07-acre lot.

When was 45 Gray St, Amsterdam, NY built?

45 Gray St, Amsterdam, NY was built in 1865, making it 161 years old. It is a traditional/old home. The building has 2 stories.

What schools serve 45 Gray St, Amsterdam, NY?

45 Gray St, Amsterdam, NY is assigned to William H Barkley Microsociety (elementary), rated D+; Wilbur H Lynch Literacy Academy (middle), rated C-; Amsterdam High School (high), rated D. All sit in Amsterdam City School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 45 Gray St, Amsterdam, NY compare to other homes in Amsterdam 12010?

Among the 9,297 homes in Amsterdam 12010, it is bigger than 86% of them (2,602 ft² against a typical 1,738 ft²), its lot is bigger than 3% of them (3,041 ft² against a typical 0.29 ac) and it is newer than 4% of them (1865 against a typical 1940). 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 Gray St, Amsterdam, NY?

The 2026 property tax bill for 45 Gray St, Amsterdam, NY was $1,953. The county assessed it at $39,000.

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