Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$771,876$459 / 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 92How 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
Last sold for $500,000 on Apr 29, 2024

91 SERENITY DR

RUBY, NY 12475
3
Beds
2
Baths
1,680 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.
2.29 ac
Lot SizeThe size of the land the home sits on, from county records.
1960
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$772K
$709K low$835K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$500,000 · Apr 29, 2024
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.$592,279
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$473,823
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.24%
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.$172,975
CITIBANK NA · recorded Jan 9, 2014
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.$6,622
CITIBANK NA

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$18,622 (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.$728,000 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$81,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$646,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$638,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$728,000

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.39
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
18
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.
95
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.
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.Contemporary
CountyUlster
Lot (acres)The size of the land the home sits on, from county records.2.29
HeatingThe type of heating system in the home.Forced Air
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Neighborhood · ZIP 12475These 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.13
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.81
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.56

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.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.23%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.230
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.290 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$110,924
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$109,971
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.47 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.Absentee owner
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

91 Serenity Dr 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 95% of homes in Ruby 12475
  • Among the highest price per square foot in Ruby 12475
  • Has a bigger lot than 74% of homes in Ruby 12475

What homes are worth in Ruby 12475

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

This home
$174K$839K

This home is worth more than 95% of homes in Ruby 12475.

How it measures up in Ruby 12475

The dot is this home. The mark in the middle is the typical home in Ruby 12475.

Estimated value$771,876
CheaperTypical $358,599Pricier

Pricier than 95% of homes nearby

Price per ft²$459
CheaperTypical $234Pricier

Pricier than almost all homes nearby

Living area1,680 ft²
SmallerTypical 1,600 ft²Bigger

Bigger than 57% of homes nearby

Lot size2.29 ac
SmallerTypical 1.2 acBigger

Bigger than 74% of homes nearby

Year built1960
OlderTypical 1964Newer

Newer than 50% of homes nearby

How 91 Serenity Dr ranks against every home in each area.
MeasureThis homeRuby 12475Ulster County
Estimated valuepricier than$771,87695% of homes89% of homes
Price per ft²pricier than$459almost all homes93% of homes
Living areabigger than1,680 ft²57% of homes54% of homes
Lot sizebigger than2.29 ac74% of homes71% of homes
Year builtnewer than196050% of homes49% of homes

About 91 Serenity Dr

How much is 91 Serenity Dr, Ruby, NY worth?

The TopHap Estimate for 91 Serenity Dr, Ruby, NY is $771,876 as of Jul 14, 2026. The likely range is $709,212 to $834,540. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 91 Serenity Dr, Ruby, NY last sell?

91 Serenity Dr, Ruby, NY last sold on Apr 29, 2024 for $500,000, according to the county's recorded deed.

How big is 91 Serenity Dr, Ruby, NY?

91 Serenity Dr, Ruby, NY has 3 bedrooms, 2 bathrooms, 1,680 square feet of living space and a 2.29-acre lot.

When was 91 Serenity Dr, Ruby, NY built?

91 Serenity Dr, Ruby, NY was built in 1960, making it 66 years old. It is a contemporary home. The building has 2 stories.

How does 91 Serenity Dr, Ruby, NY compare to other homes in Ruby 12475?

Among the 130 homes in Ruby 12475, it is worth more than 95% of them ($771,876 against a typical $358,599), its price per square foot is higher than almost all of them ($459 against a typical $234), it is bigger than 57% of them (1,680 ft² against a typical 1,600 ft²), its lot is bigger than 74% of them (2.29 ac against a typical 1.2 ac) and it is newer than 50% of them (1960 against a typical 1964). Measured against all of Ulster County, it is worth more than 89% 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 91 Serenity Dr, Ruby, NY?

The 2024 property tax bill for 91 Serenity Dr, Ruby, NY was $18,622. The county assessed it at $728,000.

More homes on Serenity Dr

Closest homes

More homes in Ruby 12475

Explore the area

See this home in context

Open 91 Serenity Dr on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map