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Single Family ResidenceResidential
$259,664$98 / 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 65How 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

4695 STATE ROUTE 245

NAPLES, NY 14512
3
Beds
1
Baths
2,647 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.
3.8 ac
Lot SizeThe size of the land the home sits on, from county records.
1970
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
5
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$260K
$169K low$350K 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.$109,164
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$87,331
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.54%
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.$110,000
UNITED STATES OF AMERICA · 4.5% · recorded Nov 3, 2005
2nd 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.$40,500
ESL FCU

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,216 (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.$152,000 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$26,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$126,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$119,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$152,000

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.35
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
9
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
57
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
75
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
33
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.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Contemporary
CountyYates
Lot (acres)The size of the land the home sits on, from county records.3.80
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.Above-Ground Pool
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 759 ft²

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

M
Naples High SchoolB
Middle · Grades 7–12 · 4.9 mi
E
Naples Elementary SchoolB+
Elementary · Grades PK–6 · 4.9 mi

District: Naples Central School District

Neighborhood · ZIP 14512These 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.130
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 100.50

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.76%
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.17%
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.4,597
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.44 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$68,370
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$87,000
Average tempThe average temperature here across a full year.45°F
Annual precipHow much rain and melted snow falls here in a typical year.37 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.50%

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

4695 State Route 245 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.

  • Costs less per square foot than 89% of homes in Naples 14512
  • Bigger than 90% of homes in Yates County
  • Has a bigger lot than 68% of homes in Yates County

What homes are worth in Naples 14512

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

This home
$100K$2.2M

This home is worth more than 45% of homes in Naples 14512.

How it measures up in Naples 14512

The dot is this home. The mark in the middle is the typical home in Naples 14512.

Estimated value$259,664
CheaperTypical $280,137Pricier

Pricier than 45% of homes nearby

Price per ft²$98
CheaperTypical $175Pricier

Pricier than 11% of homes nearby

Living area2,647 ft²
SmallerTypical 1,587 ft²Bigger

Bigger than 89% of homes nearby

Lot size3.8 ac
SmallerTypical 4.06 acBigger

Bigger than 49% of homes nearby

Year built1970
OlderTypical 1973Newer

Newer than 48% of homes nearby

How 4695 State Route 245 ranks against every home in each area.
MeasureThis homeNaples 14512Yates County
Estimated valuepricier than$259,66445% of homes41% of homes
Price per ft²pricier than$9811% of homes11% of homes
Living areabigger than2,647 ft²89% of homes90% of homes
Lot sizebigger than3.8 ac49% of homes68% of homes
Year builtnewer than197048% of homes56% of homes

About 4695 State Route 245

How much is 4695 State Route 245, Naples, NY worth?

The TopHap Estimate for 4695 State Route 245, Naples, NY is $259,664 as of Jul 14, 2026. The likely range is $169,239 to $350,089. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 4695 State Route 245, Naples, NY?

4695 State Route 245, Naples, NY has 3 bedrooms, 1 bathrooms, 2,647 square feet of living space and a 3.80-acre lot.

When was 4695 State Route 245, Naples, NY built?

4695 State Route 245, Naples, NY was built in 1970, making it 56 years old. It is a contemporary home. The building has 2 stories.

What schools serve 4695 State Route 245, Naples, NY?

4695 State Route 245, Naples, NY is assigned to Naples High School (middle), rated B; Naples Elementary School (elementary), rated B+. All sit in Naples Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 4695 State Route 245, Naples, NY compare to other homes in Naples 14512?

Among the 2,681 homes in Naples 14512, it is worth more than 45% of them ($259,664 against a typical $280,137), its price per square foot is higher than 11% of them ($98 against a typical $175), it is bigger than 89% of them (2,647 ft² against a typical 1,587 ft²), its lot is bigger than 49% of them (3.8 ac against a typical 4.06 ac) and it is newer than 48% of them (1970 against a typical 1973). Measured against all of Yates County, it is worth more than 41% 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 4695 State Route 245, Naples, NY?

The 2024 property tax bill for 4695 State Route 245, Naples, NY was $4,216. The county assessed it at $152,000.

Closest homes

More homes in Naples 14512

Assigned schools

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