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Single Family ResidenceResidential
$444,295$329 / 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

82 LOWER JAMES ST

ROSENDALE, NY 12472
3
Beds
2
Baths
1,350 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.
1.8 ac
Lot SizeThe size of the land the home sits on, from county records.
2008
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.
4
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$444K
$395K low$493K 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.$189,593
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$151,674
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.56%
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.$154,702
BANK OF AMERICA · recorded Aug 6, 2009
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.$100,000
BANK OF AMERICA

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$8,183 (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.$244,100 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$59,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$185,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$244,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$387,460

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.197 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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.1 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.Cape Cod
CountyUlster
Lot (acres)The size of the land the home sits on, from county records.1.80
HeatingThe type of heating system in the home.Hot Water
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
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 · 140 ft²

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

E
Robert R Graves SchoolC+
Elementary · Grades KG–4 · 5.5 mi
M
J Watson Bailey Middle SchoolC+
Middle · Grades 5–8 · 6.4 mi
H
Kingston High SchoolC
High · Grades 9–12 · 6.6 mi

District: Kingston City School District

Neighborhood · ZIP 12472These 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.157
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.84
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.68

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.87%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.30%
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.1.1%
PopulationHow many people live in this area.1,125
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.297 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$67,405
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$99,030
Average tempThe average temperature here across a full year.49°F
Annual precipHow much rain and melted snow falls here in a typical year.48 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

82 Lower James St 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.

  • Costs more per square foot than 72% of homes in Rosendale 12472
  • Smaller than 67% of homes in Ulster County
  • Has a bigger lot than 80% of homes in Rosendale 12472
  • Newer than 96% of homes in Rosendale 12472

What homes are worth in Rosendale 12472

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

This home
$196K$894K

This home is worth more than 61% of homes in Rosendale 12472.

How it measures up in Rosendale 12472

The dot is this home. The mark in the middle is the typical home in Rosendale 12472.

Estimated value$444,295
CheaperTypical $416,814Pricier

Pricier than 61% of homes nearby

Price per ft²$329
CheaperTypical $287Pricier

Pricier than 72% of homes nearby

Living area1,350 ft²
SmallerTypical 1,534 ft²Bigger

Bigger than 37% of homes nearby

Lot size1.8 ac
SmallerTypical 0.52 acBigger

Bigger than 80% of homes nearby

Year built2008
OlderTypical 1940Newer

Newer than 96% of homes nearby

How 82 Lower James St ranks against every home in each area.
MeasureThis homeRosendale 12472Ulster County
Estimated valuepricier than$444,29561% of homes50% of homes
Price per ft²pricier than$32972% of homes72% of homes
Living areabigger than1,350 ft²37% of homes33% of homes
Lot sizebigger than1.8 ac80% of homes65% of homes
Year builtnewer than200896% of homes95% of homes

About 82 Lower James St

How much is 82 Lower James St, Rosendale, NY worth?

The TopHap Estimate for 82 Lower James St, Rosendale, NY is $444,295 as of Jul 14, 2026. The likely range is $395,153 to $493,437. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 82 Lower James St, Rosendale, NY?

82 Lower James St, Rosendale, NY has 3 bedrooms, 2 bathrooms, 1,350 square feet of living space and a 1.80-acre lot.

When was 82 Lower James St, Rosendale, NY built?

82 Lower James St, Rosendale, NY was built in 2008, making it 18 years old. It is a cape cod home. The building has 2 stories.

What schools serve 82 Lower James St, Rosendale, NY?

82 Lower James St, Rosendale, NY is assigned to Robert R Graves School (elementary), rated C+; J Watson Bailey Middle School (middle), rated C+; Kingston High School (high), rated C. All sit in Kingston City School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 82 Lower James St, Rosendale, NY compare to other homes in Rosendale 12472?

Among the 577 homes in Rosendale 12472, it is worth more than 61% of them ($444,295 against a typical $416,814), its price per square foot is higher than 72% of them ($329 against a typical $287), it is bigger than 37% of them (1,350 ft² against a typical 1,534 ft²), its lot is bigger than 80% of them (1.8 ac against a typical 0.52 ac) and it is newer than 96% of them (2008 against a typical 1940). Measured against all of Ulster County, it is worth more than 50% 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 82 Lower James St, Rosendale, NY?

The 2024 property tax bill for 82 Lower James St, Rosendale, NY was $8,183. The county assessed it at $244,100.

More homes on Lower James St

Closest homes

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Assigned schools

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