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Single Family ResidenceResidential
$1,736,853$353 / 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 84How 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

645 ROUTE 9D

GARRISON, NY 10524
5
Beds
3
Baths
4,923 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.
3.11 ac
Lot SizeThe size of the land the home sits on, from county records.
1935
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$1.7M
$1.5M low$2M 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.$971,853
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$777,482
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.40%
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.$765,000
STIFEL BANK & TRUST · recorded Jun 28, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$19,586 (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.$452,400 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$208,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$244,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$452,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,475,057

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.40
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
26
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
67
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
92
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
16
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
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.Traditional/Old
CountyPutnam
Lot (acres)The size of the land the home sits on, from county records.3.11
HeatingThe type of heating system in the home.Hot Water
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, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.In-Ground Vinyl Pool
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 162 ft²Porch · 534 ft²

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

H
James I. O'Neill High SchoolB
High · Grades 9–12 · 1.1 mi
E
Garrison SchoolB
Elementary · Grades KG–8 · 2.0 mi

District: Highland Falls-Fort Montgomery Central School District

Neighborhood · ZIP 10524These 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.100
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.103
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.94

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.25%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.2%
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.4,302
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.198 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$121,159
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$147,568
Average tempThe average temperature here across a full year.50°F
Annual precipHow much rain and melted snow falls here in a typical year.51 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.58%

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

645 Route 9d 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.

  • Among the most valuable homes in Putnam County
  • Costs less per square foot than 70% of homes in Garrison 10524
  • Among the largest homes in Putnam County
  • Has a bigger lot than 91% of homes in Putnam County
  • Older than 87% of homes in Putnam County

What homes are worth in Garrison 10524

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

This home
$357K$3.3M

This home is worth more than 88% of homes in Garrison 10524.

How it measures up in Garrison 10524

The dot is this home. The mark in the middle is the typical home in Garrison 10524.

Estimated value$1,736,853
CheaperTypical $767,687Pricier

Pricier than 88% of homes nearby

Price per ft²$353
CheaperTypical $421Pricier

Pricier than 30% of homes nearby

Living area4,923 ft²
SmallerTypical 1,931 ft²Bigger

Bigger than 96% of homes nearby

Lot size3.11 ac
SmallerTypical 1.5 acBigger

Bigger than 74% of homes nearby

Year built1935
OlderTypical 1965Newer

Newer than 14% of homes nearby

How 645 Route 9d ranks against every home in each area.
MeasureThis homeGarrison 10524Putnam County
Estimated valuepricier than$1,736,85388% of homesalmost all homes
Price per ft²pricier than$35330% of homes63% of homes
Living areabigger than4,923 ft²96% of homesalmost all homes
Lot sizebigger than3.11 ac74% of homes91% of homes
Year builtnewer than193514% of homes13% of homes

About 645 Route 9d

How much is 645 Route 9d, Garrison, NY worth?

The TopHap Estimate for 645 Route 9d, Garrison, NY is $1,736,853 as of Jul 14, 2026. The likely range is $1,464,455 to $2,009,251. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 645 Route 9d, Garrison, NY?

645 Route 9d, Garrison, NY has 5 bedrooms, 3 bathrooms, 4,923 square feet of living space and a 3.11-acre lot.

When was 645 Route 9d, Garrison, NY built?

645 Route 9d, Garrison, NY was built in 1935, making it 91 years old. It is a traditional/old home. The building has 2 stories.

What schools serve 645 Route 9d, Garrison, NY?

645 Route 9d, Garrison, NY is assigned to James I. O'Neill High School (high), rated B; Garrison School (elementary), rated B. All sit in Highland Falls-Fort Montgomery Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 645 Route 9d, Garrison, NY compare to other homes in Garrison 10524?

Among the 1,700 homes in Garrison 10524, it is worth more than 88% of them ($1,736,853 against a typical $767,687), its price per square foot is higher than 30% of them ($353 against a typical $421), it is bigger than 96% of them (4,923 ft² against a typical 1,931 ft²), its lot is bigger than 74% of them (3.11 ac against a typical 1.5 ac) and it is newer than 14% of them (1935 against a typical 1965). Measured against all of Putnam County, it is worth more than almost all 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 Route 9d, Garrison, NY?

The 2025 property tax bill for 645 Route 9d, Garrison, NY was $19,586. The county assessed it at $452,400.

Closest homes

More homes in Garrison 10524

Assigned schools

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