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Single Family ResidenceResidential
$159,380$125 / 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 71How 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 $115,000

965 RIVER RD

SCHENECTADY, NY 12306
2
Beds
1
Baths
1,272 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.
0.23 ac
Lot SizeThe size of the land the home sits on, from county records.
1905
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$159K
$114K low$205K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$115,000

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.$125,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$5,800
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$119,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$125,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$192,300

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.33
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
9
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.
83
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
12
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.Traditional/Old
CountySchenectady
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.1960
Lot (acres)The size of the land the home sits on, from county records.0.23
HeatingThe type of heating system in the home.Forced Air
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 200 ft²

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

E
Jefferson Elementary SchoolB
Elementary · Grades KG–4 · 4.8 mi
M
Schalmont Middle SchoolD+
Middle · Grades 5–8 · 5.3 mi
H
Schalmont High SchoolC+
High · Grades 9–12 · 5.3 mi

District: Schalmont Central School District

Neighborhood · ZIP 12306These 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.91
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.83
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.63

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.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.18%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.0%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.29,520
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.673 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$81,840
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$91,973
Average tempThe average temperature here across a full year.47°F
Annual precipHow much rain and melted snow falls here in a typical year.40 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.52%

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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

965 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.

  • Among the least valuable homes in Schenectady 12306
  • Costs less per square foot than 97% of homes in Schenectady 12306
  • Smaller than 77% of homes in Schenectady County
  • Older than 93% of homes in Schenectady 12306

What homes are worth in Schenectady 12306

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

This home
$162K$574K

This home is worth less than almost all homes in Schenectady 12306.

How it measures up in Schenectady 12306

The dot is this home. The mark in the middle is the typical home in Schenectady 12306.

Estimated value$159,380
CheaperTypical $275,157Pricier

Cheaper than almost all homes nearby

Price per ft²$125
CheaperTypical $195Pricier

Pricier than 3% of homes nearby

Living area1,272 ft²
SmallerTypical 1,532 ft²Bigger

Bigger than 29% of homes nearby

Lot size0.23 ac
SmallerTypical 0.24 acBigger

Bigger than 48% of homes nearby

Year built1905
OlderTypical 1950Newer

Newer than 7% of homes nearby

How 965 River Rd ranks against every home in each area.
MeasureThis homeSchenectady 12306Schenectady County
Estimated valuepricier than$159,380almost no homes6% of homes
Price per ft²pricier than$1253% of homes8% of homes
Living areabigger than1,272 ft²29% of homes23% of homes
Lot sizebigger than0.23 ac48% of homes50% of homes
Year builtnewer than19057% of homes12% of homes

About 965 River Rd

How much is 965 River Rd, Schenectady, NY worth?

The TopHap Estimate for 965 River Rd, Schenectady, NY is $159,380 as of Jul 14, 2026. The likely range is $113,902 to $204,858. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 965 River Rd, Schenectady, NY last sell?

965 River Rd, Schenectady, NY last sold for $115,000, according to the county's recorded deed.

How big is 965 River Rd, Schenectady, NY?

965 River Rd, Schenectady, NY has 2 bedrooms, 1 bathrooms, 1,272 square feet of living space and a 0.23-acre lot.

When was 965 River Rd, Schenectady, NY built?

965 River Rd, Schenectady, NY was built in 1905, making it 121 years old. It is a traditional/old home. The building has 2 stories.

What schools serve 965 River Rd, Schenectady, NY?

965 River Rd, Schenectady, NY is assigned to Jefferson Elementary School (elementary), rated B; Schalmont Middle School (middle), rated D+; Schalmont High School (high), rated C+. All sit in Schalmont Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 965 River Rd, Schenectady, NY compare to other homes in Schenectady 12306?

Among the 9,724 homes in Schenectady 12306, it is worth more than almost none of them ($159,380 against a typical $275,157), its price per square foot is higher than 3% of them ($125 against a typical $195), it is bigger than 29% of them (1,272 ft² against a typical 1,532 ft²), its lot is bigger than 48% of them (0.23 ac against a typical 0.24 ac) and it is newer than 7% of them (1905 against a typical 1950). Measured against all of Schenectady County, it is worth more than 6% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

More homes on River Rd

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More homes in Schenectady 12306

Assigned schools

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