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Single Family ResidenceResidential
$374,920$294 / 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

645 HUDSON RIVER RD

WATERFORD, NY 12188
3
Beds
3 / 1
Baths
1,277 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.
2.77 ac
Lot SizeThe size of the land the home sits on, from county records.
1986
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$375K
$358K low$392K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,290 (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.$141,000 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$44,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$96,900
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$141,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$354,717

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.47
70
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
11
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
63
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
82
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
10
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.43 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%

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
CountySaratoga
Lot (acres)The size of the land the home sits on, from county records.2.77
HeatingThe type of heating system in the home.Electric
CoolingThe type of cooling or air conditioning in the home.Central
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.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 · 236 ft²

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

M
Mechanicville Junior/Senior High SchoolB-
Middle · Grades 6–12 · 4.5 mi
E
Mechanicville Elementary SchoolC-
Elementary · Grades PK–5 · 4.9 mi

District: Mechanicville City School District

Neighborhood · ZIP 12188These 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.118
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.86
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.59

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.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.24%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.8%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.11,507
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.826 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$87,798
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$103,641
Average tempThe average temperature here across a full year.48°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%

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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

645 Hudson River Rd 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 66% of homes in Saratoga County
  • Costs more per square foot than 90% of homes in Waterford 12188
  • Smaller than 83% of homes in Waterford 12188
  • Has a bigger lot than 97% of homes in Waterford 12188
  • Newer than 68% of homes in Waterford 12188

What homes are worth in Waterford 12188

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

This home
$167K$769K

This home is worth more than 59% of homes in Waterford 12188.

How it measures up in Waterford 12188

The dot is this home. The mark in the middle is the typical home in Waterford 12188.

Estimated value$374,920
CheaperTypical $353,337Pricier

Pricier than 59% of homes nearby

Price per ft²$294
CheaperTypical $230Pricier

Pricier than 90% of homes nearby

Living area1,277 ft²
SmallerTypical 1,824 ft²Bigger

Bigger than 17% of homes nearby

Lot size2.77 ac
SmallerTypical 0.36 acBigger

Bigger than 97% of homes nearby

Year built1986
OlderTypical 1970Newer

Newer than 68% of homes nearby

How 645 Hudson River Rd ranks against every home in each area.
MeasureThis homeWaterford 12188Saratoga County
Estimated valuepricier than$374,92059% of homes34% of homes
Price per ft²pricier than$29490% of homes77% of homes
Living areabigger than1,277 ft²17% of homes20% of homes
Lot sizebigger than2.77 ac97% of homes87% of homes
Year builtnewer than198668% of homes54% of homes

About 645 Hudson River Rd

How much is 645 Hudson River Rd, Waterford, NY worth?

The TopHap Estimate for 645 Hudson River Rd, Waterford, NY is $374,920 as of Sep 24, 2026. The likely range is $357,545 to $392,295. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 645 Hudson River Rd, Waterford, NY last sell?

645 Hudson River Rd, Waterford, NY last sold on Oct 24, 2019, according to the county's recorded deed.

How big is 645 Hudson River Rd, Waterford, NY?

645 Hudson River Rd, Waterford, NY has 3 bedrooms, 3 bathrooms, 1,277 square feet of living space and a 2.77-acre lot.

When was 645 Hudson River Rd, Waterford, NY built?

645 Hudson River Rd, Waterford, NY was built in 1986, making it 40 years old. The building has 1 story.

What schools serve 645 Hudson River Rd, Waterford, NY?

645 Hudson River Rd, Waterford, NY is assigned to Mechanicville Junior/Senior High School (middle), rated B-; Mechanicville Elementary School (elementary), rated C-. All sit in Mechanicville City School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 645 Hudson River Rd, Waterford, NY compare to other homes in Waterford 12188?

Among the 3,527 homes in Waterford 12188, it is worth more than 59% of them ($374,920 against a typical $353,337), its price per square foot is higher than 90% of them ($294 against a typical $230), it is bigger than 17% of them (1,277 ft² against a typical 1,824 ft²), its lot is bigger than 97% of them (2.77 ac against a typical 0.36 ac) and it is newer than 68% of them (1986 against a typical 1970). Measured against all of Saratoga County, it is worth more than 34% 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 645 Hudson River Rd, Waterford, NY?

The 2024 property tax bill for 645 Hudson River Rd, Waterford, NY was $5,290. The county assessed it at $141,000.

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