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Single Family ResidenceResidential
$185,020$136 / 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 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

525 CONGRESS ST

SCHENECTADY, NY 12303
3
Beds
2
Baths
1,362 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.
0.21 ac
Lot SizeThe size of the land the home sits on, from county records.
1900
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$185K
$175K low$195K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,866 (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.$70,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$12,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$58,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$70,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$115,913

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.146 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.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Cottage
CountySCHENECTADY
Lot (acres)The size of the land the home sits on, from county records.0.21
HeatingThe type of heating system in the home.Hot Water
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 · 114 ft²

Transaction History(1)

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
Hamilton Elementary SchoolD
Elementary · Grades PK–5 · 0.5 mi
M
Mont Pleasant Middle SchoolD+
Middle · Grades 6–8 · 0.9 mi
H
Schenectady High SchoolD+
High · Grades 9–12 · 2.4 mi

District: Schenectady City School District

Neighborhood · ZIP 12303These 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.81
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.88
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.58

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.94%
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.13%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.29,755
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,957 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$84,852
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$97,643
Average tempThe average temperature here across a full year.47°F
Annual precipHow much rain and melted snow falls here in a typical year.38 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.52%

Owner Tools

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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

525 Congress 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 90% of homes in Schenectady 12303
  • Costs less per square foot than 90% of homes in Schenectady 12303
  • Smaller than 70% of homes in Schenectady County
  • Has a bigger lot than 82% of homes in Bellevue
  • Older than 93% of homes in Schenectady 12303

What homes are worth in Schenectady 12303

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

This home
$122K$756K

This home is worth more than 10% of homes in Schenectady 12303.

How it measures up in Schenectady 12303

The dot is this home. The mark in the middle is the typical home in Schenectady 12303.

Estimated value$185,020
CheaperTypical $296,567Pricier

Pricier than 10% of homes nearby

Price per ft²$136
CheaperTypical $206Pricier

Pricier than 10% of homes nearby

Living area1,362 ft²
SmallerTypical 1,620 ft²Bigger

Bigger than 31% of homes nearby

Lot size0.21 ac
SmallerTypical 0.23 acBigger

Bigger than 39% of homes nearby

Year built1900
OlderTypical 1952Newer

Newer than 7% of homes nearby

How 525 Congress St ranks against every home in each area.
MeasureThis homeBellevueSchenectady 12303Schenectady County
Estimated valuepricier than$185,02035% of homes10% of homes10% of homes
Price per ft²pricier than$13631% of homes10% of homes11% of homes
Living areabigger than1,362 ft²38% of homes31% of homes30% of homes
Lot sizebigger than0.21 ac82% of homes39% of homes44% of homes
Year builtnewer than190019% of homes7% of homes10% of homes

About 525 Congress St

How much is 525 Congress St, Schenectady, NY worth?

The TopHap Estimate for 525 Congress St, Schenectady, NY is $185,020 as of Sep 24, 2026. The likely range is $175,049 to $194,991. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 525 Congress St, Schenectady, NY last sell?

525 Congress St, Schenectady, NY last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 525 Congress St, Schenectady, NY?

525 Congress St, Schenectady, NY has 3 bedrooms, 2 bathrooms, 1,362 square feet of living space and a 0.21-acre lot.

When was 525 Congress St, Schenectady, NY built?

525 Congress St, Schenectady, NY was built in 1900, making it 126 years old. It is a cottage home. The building has 2 stories.

What schools serve 525 Congress St, Schenectady, NY?

525 Congress St, Schenectady, NY is assigned to Hamilton Elementary School (elementary), rated D; Mont Pleasant Middle School (middle), rated D+; Schenectady High School (high), rated D+. All sit in Schenectady City School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 525 Congress St, Schenectady, NY compare to other homes in Schenectady 12303?

Among the 10,417 homes in Schenectady 12303, it is worth more than 10% of them ($185,020 against a typical $296,567), its price per square foot is higher than 10% of them ($136 against a typical $206), it is bigger than 31% of them (1,362 ft² against a typical 1,620 ft²), its lot is bigger than 39% of them (0.21 ac against a typical 0.23 ac) and it is newer than 7% of them (1900 against a typical 1952). Measured against all of Schenectady County, it is worth more than 10% 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 525 Congress St, Schenectady, NY?

The 2025 property tax bill for 525 Congress St, Schenectady, NY was $3,866. The county assessed it at $70,000.

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