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Single Family ResidenceResidential
$397,057$221 / 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 81How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $190,000 on Dec 5, 2003

646 RIVER RD

MONTGOMERY, NY 12549
3
Beds
2 / 1
Baths
1,800 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.
0.8 ac
Lot SizeThe size of the land the home sits on, from county records.
1965
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.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$397K
$324K low$471K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$190,000 · Dec 5, 2003

Tax & Assessment

Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$151,100 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$39,900
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$111,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$151,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$408,400

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.48
25
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
20
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
65
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
94
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
40
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.13 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
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.0.2 percent flood zone

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.Split Level
CountyOrange
Lot (acres)The size of the land the home sits on, from county records.0.80
HeatingThe type of heating system in the home.Hot Water
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
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 36 ft²Porch · 608 ft²

Neighborhood · ZIP 12549These 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.67
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.102
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.77

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.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.20%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.2%
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.12,635
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.310 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$111,473
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$128,283
Average tempThe average temperature here across a full year.49°F
Annual precipHow much rain and melted snow falls here in a typical year.45 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.58%

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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

646 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 75% of homes in Montgomery 12549
  • Costs less per square foot than 80% of homes in Orange County
  • Has a bigger lot than 67% of homes in Orange County
  • Older than 69% of homes in Montgomery 12549

What homes are worth in Montgomery 12549

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

This home
$267K$868K

This home is worth more than 25% of homes in Montgomery 12549.

How it measures up in Montgomery 12549

The dot is this home. The mark in the middle is the typical home in Montgomery 12549.

Estimated value$397,057
CheaperTypical $482,515Pricier

Pricier than 25% of homes nearby

Price per ft²$221
CheaperTypical $254Pricier

Pricier than 22% of homes nearby

Living area1,800 ft²
SmallerTypical 1,970 ft²Bigger

Bigger than 40% of homes nearby

Lot size0.8 ac
SmallerTypical 1 acBigger

Bigger than 44% of homes nearby

Year built1965
OlderTypical 1985Newer

Newer than 31% of homes nearby

How 646 River Rd ranks against every home in each area.
MeasureThis homeMontgomery 12549Orange County
Estimated valuepricier than$397,05725% of homes35% of homes
Price per ft²pricier than$22122% of homes20% of homes
Living areabigger than1,800 ft²40% of homes52% of homes
Lot sizebigger than0.8 ac44% of homes67% of homes
Year builtnewer than196531% of homes40% of homes

About 646 River Rd

How much is 646 River Rd, Montgomery, NY worth?

The TopHap Estimate for 646 River Rd, Montgomery, NY is $397,057 as of Aug 30, 2026. The likely range is $323,593 to $470,521. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 646 River Rd, Montgomery, NY last sell?

646 River Rd, Montgomery, NY last sold on Dec 5, 2003 for $190,000, according to the county's recorded deed.

How big is 646 River Rd, Montgomery, NY?

646 River Rd, Montgomery, NY has 3 bedrooms, 2 bathrooms, 1,800 square feet of living space and a 0.80-acre lot.

When was 646 River Rd, Montgomery, NY built?

646 River Rd, Montgomery, NY was built in 1965, making it 61 years old. It is a split level home. The building has 2 stories.

How does 646 River Rd, Montgomery, NY compare to other homes in Montgomery 12549?

Among the 3,343 homes in Montgomery 12549, it is worth more than 25% of them ($397,057 against a typical $482,515), its price per square foot is higher than 22% of them ($221 against a typical $254), it is bigger than 40% of them (1,800 ft² against a typical 1,970 ft²), its lot is bigger than 44% of them (0.8 ac against a typical 1 ac) and it is newer than 31% of them (1965 against a typical 1985). Measured against all of Orange County, it is worth more than 35% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

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