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Single Family ResidenceResidential
$331,407$356 / 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

703 STATE ROUTE 203

SPENCERTOWN, NY 12165
3
Beds
2
Baths
930 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.
0.9 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

$331K
$296K low$367K 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.$301,407
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$241,126
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.9%
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.$30,000
TD BANKNORTH NA · E · recorded Jan 10, 2006

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,574 (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.$155,100 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$34,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$121,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$155,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$250,161

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.38
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
21
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
57
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
93
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
21
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

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.Ranch
CountyColumbia
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1985
Lot (acres)The size of the land the home sits on, from county records.0.90
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Mat/Raft Foundation (Slab)
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, Detached
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Shed · 704 ft²Porch · 249 ft²

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.

M
Chatham Middle SchoolC-
Middle · Grades 6–8 · 4.4 mi
E
Mary E Dardess Elementary SchoolC+
Elementary · Grades PK–5 · 4.6 mi
H
Chatham High SchoolB+
High · Grades 9–12 · 4.7 mi

District: Chatham Central School District

Neighborhood · ZIP 12165These 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.145
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.85
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.53

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.74%
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.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.57
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.35 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$91,790
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$110,987
Average tempThe average temperature here across a full year.46°F
Annual precipHow much rain and melted snow falls here in a typical year.46 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.52%

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

703 State Route 203 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 93% of homes in Spencertown 12165
  • Costs more per square foot than 72% of homes in Columbia County
  • Smaller than 93% of homes in Spencertown 12165
  • Has a smaller lot than 82% of homes in Spencertown 12165
  • Newer than 65% of homes in Columbia County

What homes are worth in Spencertown 12165

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

This home
$293K$1.6M

This home is worth more than 7% of homes in Spencertown 12165.

How it measures up in Spencertown 12165

The dot is this home. The mark in the middle is the typical home in Spencertown 12165.

Estimated value$331,407
CheaperTypical $556,431Pricier

Pricier than 7% of homes nearby

Price per ft²$356
CheaperTypical $298Pricier

Pricier than 68% of homes nearby

Living area930 ft²
SmallerTypical 1,800 ft²Bigger

Bigger than 7% of homes nearby

Lot size0.9 ac
SmallerTypical 3.7 acBigger

Bigger than 18% of homes nearby

Year built1977
OlderTypical 1976Newer

Newer than 55% of homes nearby

How 703 State Route 203 ranks against every home in each area.
MeasureThis homeSpencertown 12165Columbia County
Estimated valuepricier than$331,4077% of homes22% of homes
Price per ft²pricier than$35668% of homes72% of homes
Living areabigger than930 ft²7% of homes8% of homes
Lot sizebigger than0.9 ac18% of homes37% of homes
Year builtnewer than197755% of homes65% of homes

About 703 State Route 203

How much is 703 State Route 203, Spencertown, NY worth?

The TopHap Estimate for 703 State Route 203, Spencertown, NY is $331,407 as of Jul 14, 2026. The likely range is $295,959 to $366,855. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 703 State Route 203, Spencertown, NY?

703 State Route 203, Spencertown, NY has 3 bedrooms, 2 bathrooms, 930 square feet of living space and a 0.90-acre lot.

When was 703 State Route 203, Spencertown, NY built?

703 State Route 203, Spencertown, NY was built in 1977, making it 49 years old. It is a ranch home. The building has 1 story.

What schools serve 703 State Route 203, Spencertown, NY?

703 State Route 203, Spencertown, NY is assigned to Chatham Middle School (middle), rated C-; Mary E Dardess Elementary School (elementary), rated C+; Chatham High School (high), rated B+. All sit in Chatham Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 703 State Route 203, Spencertown, NY compare to other homes in Spencertown 12165?

Among the 144 homes in Spencertown 12165, it is worth more than 7% of them ($331,407 against a typical $556,431), its price per square foot is higher than 68% of them ($356 against a typical $298), it is bigger than 7% of them (930 ft² against a typical 1,800 ft²), its lot is bigger than 18% of them (0.9 ac against a typical 3.7 ac) and it is newer than 55% of them (1977 against a typical 1976). Measured against all of Columbia County, it is worth more than 22% 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 703 State Route 203, Spencertown, NY?

The 2025 property tax bill for 703 State Route 203, Spencertown, NY was $3,574. The county assessed it at $155,100.

Closest homes

More homes in Spencertown 12165

Assigned schools

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