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Single Family ResidenceResidential
$347,977$205 / 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 94How 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 $350,000 on Sep 28, 2022

974 STATE ROUTE 81

CLIMAX, NY 12042
3
Beds
2 / 1
Baths
1,700 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.
3 ac
Lot SizeThe size of the land the home sits on, from county records.
1945
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$348K
$327K low$369K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$350,000 · Sep 28, 2022
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.$34,727
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$27,782
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.86%
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.$313,250
TRUSTCO BANK · P · recorded Sep 28, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,285 (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.$102,000 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$32,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$70,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$102,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$247,273

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.8 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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.Cape Cod
CountyGreene
Lot (acres)The size of the land the home sits on, from county records.3.00
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, Basement
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 · 826 ft²

Transaction History(4)

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.

H
Coxsackie-Athens High SchoolB
High · Grades 9–12 · 3.2 mi
M
Coxsackie-Athens Middle SchoolC+
Middle · Grades 4–8 · 3.3 mi
E
Coxsackie Elementary SchoolD
Elementary · Grades KG–4 · 3.3 mi

District: Coxsackie-Athens Central School District

Neighborhood · ZIP 12042These 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.50
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.82
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.83%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.16%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.5%
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.229
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.60 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$87,038
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$108,493
Average tempThe average temperature here across a full year.46°F
Annual precipHow much rain and melted snow falls here in a typical year.41 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

974 State Route 81 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 less per square foot than 73% of homes in Greene County
  • Has a bigger lot than 67% of homes in Greene County
  • Older than 71% of homes in Greene County

What homes are worth in Climax 12042

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

This home
$165K$732K

This home is worth more than 52% of homes in Climax 12042.

How it measures up in Climax 12042

The dot is this home. The mark in the middle is the typical home in Climax 12042.

Estimated value$347,977
CheaperTypical $340,645Pricier

Pricier than 52% of homes nearby

Price per ft²$205
CheaperTypical $218Pricier

Pricier than 35% of homes nearby

Living area1,700 ft²
SmallerTypical 1,549 ft²Bigger

Bigger than 64% of homes nearby

Lot size3 ac
SmallerTypical 2.92 acBigger

Bigger than 52% of homes nearby

Year built1945
OlderTypical 1961Newer

Newer than 39% of homes nearby

How 974 State Route 81 ranks against every home in each area.
MeasureThis homeClimax 12042Greene County
Estimated valuepricier than$347,97752% of homes41% of homes
Price per ft²pricier than$20535% of homes27% of homes
Living areabigger than1,700 ft²64% of homes59% of homes
Lot sizebigger than3 ac52% of homes67% of homes
Year builtnewer than194539% of homes29% of homes

About 974 State Route 81

How much is 974 State Route 81, Climax, NY worth?

The TopHap Estimate for 974 State Route 81, Climax, NY is $347,977 as of Jul 14, 2026. The likely range is $327,213 to $368,741. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 974 State Route 81, Climax, NY last sell?

974 State Route 81, Climax, NY last sold on Sep 28, 2022 for $350,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 974 State Route 81, Climax, NY?

974 State Route 81, Climax, NY has 3 bedrooms, 2 bathrooms, 1,700 square feet of living space and a 3.00-acre lot.

When was 974 State Route 81, Climax, NY built?

974 State Route 81, Climax, NY was built in 1945, making it 81 years old. It is a cape cod home. The building has 2 stories.

What schools serve 974 State Route 81, Climax, NY?

974 State Route 81, Climax, NY is assigned to Coxsackie-Athens High School (high), rated B; Coxsackie-Athens Middle School (middle), rated C+; Coxsackie Elementary School (elementary), rated D. All sit in Coxsackie-Athens Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 974 State Route 81, Climax, NY compare to other homes in Climax 12042?

Among the 165 homes in Climax 12042, it is worth more than 52% of them ($347,977 against a typical $340,645), its price per square foot is higher than 35% of them ($205 against a typical $218), it is bigger than 64% of them (1,700 ft² against a typical 1,549 ft²), its lot is bigger than 52% of them (3 ac against a typical 2.92 ac) and it is newer than 39% of them (1945 against a typical 1961). Measured against all of Greene County, it is worth more than 41% 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 974 State Route 81, Climax, NY?

The 2024 property tax bill for 974 State Route 81, Climax, NY was $4,285. The county assessed it at $102,000.

Closest homes

More homes in Climax 12042

Assigned schools

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