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Single Family ResidenceResidential
$249,366$121 / 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 91How 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

641 STATE ROUTE 96

WATERLOO, NY 13165
3
Beds
2
Baths
2,068 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.
0.56 ac
Lot SizeThe size of the land the home sits on, from county records.
1977
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$249K
$227K low$272K 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.$108,866
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$87,093
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.57%
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.$115,500
SENECA FALLS SAVINGS BANK · recorded Feb 1, 2011
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.$25,000
GENERATIONS BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,771 (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.$127,200 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$15,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$111,900
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$127,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$208,500

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.Raised Ranch
CountySENECA
Lot (acres)The size of the land the home sits on, from county records.0.56
HeatingThe type of heating system in the home.Electric
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Basement
PoolWhether the property has a pool, and what kind, such as in-ground.Above-Ground Pool

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.

H
Waterloo High SchoolC-
High · Grades 9–12 · 2.9 mi
M
Waterloo Middle SchoolC+
Middle · Grades 6–8 · 2.9 mi
E
Skoi-Yase School
Elementary · Grades PK–2 · 3.8 mi

District: Waterloo Central School District

Neighborhood · ZIP 13165These 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.115
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 100.43

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.90%
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.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.9,925
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.137 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$63,542
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$84,808
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.35 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.49%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied

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

641 State Route 96 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 more than 81% of homes in Waterloo 13165
  • Bigger than 80% of homes in Waterloo 13165
  • Newer than 74% of homes in Waterloo 13165

What homes are worth in Waterloo 13165

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

This home
$77K$402K

This home is worth more than 81% of homes in Waterloo 13165.

How it measures up in Waterloo 13165

The dot is this home. The mark in the middle is the typical home in Waterloo 13165.

Estimated value$249,366
CheaperTypical $164,993Pricier

Pricier than 81% of homes nearby

Price per ft²$121
CheaperTypical $116Pricier

Pricier than 54% of homes nearby

Living area2,068 ft²
SmallerTypical 1,506 ft²Bigger

Bigger than 80% of homes nearby

Lot size0.56 ac
SmallerTypical 0.57 acBigger

Bigger than 50% of homes nearby

Year built1977
OlderTypical 1952Newer

Newer than 74% of homes nearby

How 641 State Route 96 ranks against every home in each area.
MeasureThis homeWaterloo 13165Seneca County
Estimated valuepricier than$249,36681% of homes64% of homes
Price per ft²pricier than$12154% of homes44% of homes
Living areabigger than2,068 ft²80% of homes78% of homes
Lot sizebigger than0.56 ac50% of homes47% of homes
Year builtnewer than197774% of homes72% of homes

About 641 State Route 96

How much is 641 State Route 96, Waterloo, NY worth?

The TopHap Estimate for 641 State Route 96, Waterloo, NY is $249,366 as of Jul 14, 2026. The likely range is $226,800 to $271,932. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 641 State Route 96, Waterloo, NY last sell?

641 State Route 96, Waterloo, NY last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 641 State Route 96, Waterloo, NY?

641 State Route 96, Waterloo, NY has 3 bedrooms, 2 bathrooms, 2,068 square feet of living space and a 0.56-acre lot.

When was 641 State Route 96, Waterloo, NY built?

641 State Route 96, Waterloo, NY was built in 1977, making it 49 years old. It is a raised ranch home. The building has 1 story.

What schools serve 641 State Route 96, Waterloo, NY?

641 State Route 96, Waterloo, NY is assigned to Waterloo High School (high), rated C-; Waterloo Middle School (middle), rated C+; Skoi-Yase School (elementary). All sit in Waterloo Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 641 State Route 96, Waterloo, NY compare to other homes in Waterloo 13165?

Among the 3,349 homes in Waterloo 13165, it is worth more than 81% of them ($249,366 against a typical $164,993), its price per square foot is higher than 54% of them ($121 against a typical $116), it is bigger than 80% of them (2,068 ft² against a typical 1,506 ft²), its lot is bigger than 50% of them (0.56 ac against a typical 0.57 ac) and it is newer than 74% of them (1977 against a typical 1952). Measured against all of Seneca County, it is worth more than 64% 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 641 State Route 96, Waterloo, NY?

The 2025 property tax bill for 641 State Route 96, Waterloo, NY was $3,771. The county assessed it at $127,200.

Closest homes

More homes in Waterloo 13165

Assigned schools

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