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Single Family ResidenceResidential
$204,821$140 / 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 90How 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 $121,000 on Jun 16, 2022

85 SWIFT ST

WATERLOO, NY 13165
3
Beds
1
Baths
1,464 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.
6.9 ac
Lot SizeThe size of the land the home sits on, from county records.
1920
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$205K
$183K low$226K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$121,000 · Jun 16, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,122 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$121,600 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$43,900
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$77,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$121,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$199,300

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
61
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
14
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
62
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
70
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
33
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.25 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
StyleThe architectural style of the home, such as ranch or colonial.Traditional/Old
CountySENECA
Lot (acres)The size of the land the home sits on, from county records.6.90
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 · 121 ft²

Transaction History(3)

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
Waterloo Middle SchoolC+
Middle · Grades 6–8 · 0.7 mi
H
Waterloo High SchoolC-
High · Grades 9–12 · 0.7 mi
E
Skoi-Yase School
Elementary · Grades PK–2 · 1.2 mi

District: Waterloo Central School District

Neighborhood · ZIP 13165These 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.115
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.90
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.43

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.14%
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.1.0%
PopulationHow many people live in this area.9,925
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.137 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$63,542
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$84,808
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.35 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.49%

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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

85 Swift 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.

  • Worth more than 73% of homes in Waterloo 13165
  • Costs more per square foot than 77% of homes in Waterloo 13165
  • Has a bigger lot than 90% of homes in Waterloo 13165
  • Older than 65% of homes in Waterloo 13165

What homes are worth in Waterloo 13165

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

This home
$82K$417K

This home is worth more than 73% of homes in Waterloo 13165.

How it measures up in Waterloo 13165

The dot is this home. The mark in the middle is the typical home in Waterloo 13165.

Estimated value$204,821
CheaperTypical $158,892Pricier

Pricier than 73% of homes nearby

Price per ft²$140
CheaperTypical $108Pricier

Pricier than 77% of homes nearby

Living area1,464 ft²
SmallerTypical 1,510 ft²Bigger

Bigger than 47% of homes nearby

Lot size6.9 ac
SmallerTypical 0.57 acBigger

Bigger than 90% of homes nearby

Year built1920
OlderTypical 1952Newer

Newer than 35% of homes nearby

How 85 Swift St ranks against every home in each area.
MeasureThis homeWaterloo 13165Seneca County
Estimated valuepricier than$204,82173% of homes55% of homes
Price per ft²pricier than$14077% of homes61% of homes
Living areabigger than1,464 ft²47% of homes44% of homes
Lot sizebigger than6.9 ac90% of homes88% of homes
Year builtnewer than192035% of homes37% of homes

About 85 Swift St

How much is 85 Swift St, Waterloo, NY worth?

The TopHap Estimate for 85 Swift St, Waterloo, NY is $204,821 as of Aug 30, 2026. The likely range is $183,388 to $226,254. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 85 Swift St, Waterloo, NY last sell?

85 Swift St, Waterloo, NY last sold on Jun 16, 2022 for $121,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 85 Swift St, Waterloo, NY?

85 Swift St, Waterloo, NY has 3 bedrooms, 1 bathrooms, 1,464 square feet of living space and a 6.90-acre lot.

When was 85 Swift St, Waterloo, NY built?

85 Swift St, Waterloo, NY was built in 1920, making it 106 years old. It is a traditional/old home. The building has 1 story.

What schools serve 85 Swift St, Waterloo, NY?

85 Swift St, Waterloo, NY is assigned to Waterloo Middle School (middle), rated C+; Waterloo High School (high), rated C-; Skoi-Yase School (elementary). All sit in Waterloo Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 85 Swift St, Waterloo, NY compare to other homes in Waterloo 13165?

Among the 3,350 homes in Waterloo 13165, it is worth more than 73% of them ($204,821 against a typical $158,892), its price per square foot is higher than 77% of them ($140 against a typical $108), it is bigger than 47% of them (1,464 ft² against a typical 1,510 ft²), its lot is bigger than 90% of them (6.9 ac against a typical 0.57 ac) and it is newer than 35% of them (1920 against a typical 1952). Measured against all of Seneca County, it is worth more than 55% 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 85 Swift St, Waterloo, NY?

The 2026 property tax bill for 85 Swift St, Waterloo, NY was $6,122. The county assessed it at $121,600.

More homes on Swift St

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Assigned schools

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