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Single Family ResidenceResidential
$129,529$53 / 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 89How 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

545 ROUTE 8

COLD BROOK, NY 13324
3
Beds
1
Baths
2,446 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.
2.4 ac
Lot SizeThe size of the land the home sits on, from county records.
1850
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$130K
$116K low$143K 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.$74,529
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$59,623
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.$55,000
FIRST SOURCE FEDERAL CREDIT UNION · recorded Jun 19, 2006

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,236 (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.$108,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$19,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$88,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$108,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$150,209

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.112 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%

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
CountyHerkimer
Lot (acres)The size of the land the home sits on, from county records.2.40
HeatingThe type of heating system in the home.Forced Air
FireplaceWhether the home has a fireplace, and what kind.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 243 ft²

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

E
Poland Elementary SchoolA-
Elementary · Grades PK–5 · 1.6 mi
M
Poland Junior-Senior High SchoolA
Middle · Grades 6–12 · 1.6 mi

District: Poland Central School District

Neighborhood · ZIP 13324These 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.147
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.87
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.60

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.51%
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.8.8%
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.1,838
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.5 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$76,507
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$92,197
Average tempThe average temperature here across a full year.41°F
Annual precipHow much rain and melted snow falls here in a typical year.53 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.47%

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.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

545 Route 8 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 77% of homes in Herkimer County
  • Costs less per square foot than 96% of homes in Herkimer County
  • Bigger than 96% of homes in Cold Brook 13324
  • Has a bigger lot than 73% of homes in Herkimer County
  • Older than 96% of homes in Cold Brook 13324

What homes are worth in Cold Brook 13324

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

This home
$46K$486K

This home is worth more than 33% of homes in Cold Brook 13324.

How it measures up in Cold Brook 13324

The dot is this home. The mark in the middle is the typical home in Cold Brook 13324.

Estimated value$129,529
CheaperTypical $161,975Pricier

Pricier than 33% of homes nearby

Price per ft²$53
CheaperTypical $122Pricier

Pricier than 5% of homes nearby

Living area2,446 ft²
SmallerTypical 1,095 ft²Bigger

Bigger than 96% of homes nearby

Lot size2.4 ac
SmallerTypical 3.5 acBigger

Bigger than 45% of homes nearby

Year built1850
OlderTypical 1973Newer

Newer than 4% of homes nearby

How 545 Route 8 ranks against every home in each area.
MeasureThis homeCold Brook 13324Herkimer County
Estimated valuepricier than$129,52933% of homes23% of homes
Price per ft²pricier than$535% of homes4% of homes
Living areabigger than2,446 ft²96% of homes89% of homes
Lot sizebigger than2.4 ac45% of homes73% of homes
Year builtnewer than18504% of homes4% of homes

About 545 Route 8

How much is 545 Route 8, Cold Brook, NY worth?

The TopHap Estimate for 545 Route 8, Cold Brook, NY is $129,529 as of Jul 14, 2026. The likely range is $115,682 to $143,376. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 545 Route 8, Cold Brook, NY last sell?

545 Route 8, Cold Brook, NY last sold on Sep 12, 1996, according to the county's recorded deed.

How big is 545 Route 8, Cold Brook, NY?

545 Route 8, Cold Brook, NY has 3 bedrooms, 1 bathrooms, 2,446 square feet of living space and a 2.40-acre lot.

When was 545 Route 8, Cold Brook, NY built?

545 Route 8, Cold Brook, NY was built in 1850, making it 176 years old. It is a traditional/old home. The building has 2 stories.

What schools serve 545 Route 8, Cold Brook, NY?

545 Route 8, Cold Brook, NY is assigned to Poland Elementary School (elementary), rated A-; Poland Junior-Senior High School (middle), rated A. All sit in Poland Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 545 Route 8, Cold Brook, NY compare to other homes in Cold Brook 13324?

Among the 1,477 homes in Cold Brook 13324, it is worth more than 33% of them ($129,529 against a typical $161,975), its price per square foot is higher than 5% of them ($53 against a typical $122), it is bigger than 96% of them (2,446 ft² against a typical 1,095 ft²), its lot is bigger than 45% of them (2.4 ac against a typical 3.5 ac) and it is newer than 4% of them (1850 against a typical 1973). Measured against all of Herkimer County, it is worth more than 23% 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 545 Route 8, Cold Brook, NY?

The 2024 property tax bill for 545 Route 8, Cold Brook, NY was $2,236. The county assessed it at $108,000.

Closest homes

More homes in Cold Brook 13324

Assigned schools

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