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Single Family ResidenceResidential
$554,720$352 / 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 93How 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

98 SERENITY DR

RUBY, NY 12475
3
Beds
2 / 1
Baths
1,575 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.
1.2 ac
Lot SizeThe size of the land the home sits on, from county records.
1986
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

$555K
$517K low$592K 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.$448,720
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$358,976
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.19%
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.$106,000
HSBC MORTGAGE CORP (USA) · E · recorded Aug 21, 2006

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$9,542 (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.$450,500 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$70,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$380,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$395,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$450,500

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.Ranch
CountyUlster
Lot (acres)The size of the land the home sits on, from county records.1.20
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, Attached
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 · 328 ft²

Transaction History(1)

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.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

98 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 83% of homes in Ruby 12475
  • Costs more per square foot than 93% of homes in Ruby 12475
  • Newer than 79% 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 83% 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$554,720
CheaperTypical $358,599Pricier

Pricier than 83% of homes nearby

Price per ft²$352
CheaperTypical $234Pricier

Pricier than 93% of homes nearby

Living area1,575 ft²
SmallerTypical 1,600 ft²Bigger

Bigger than 47% of homes nearby

Lot size1.2 ac
SmallerTypical 1.2 acBigger

Bigger than 50% of homes nearby

Year built1986
OlderTypical 1960Newer

Newer than 79% of homes nearby

How 98 Serenity Dr ranks against every home in each area.
MeasureThis homeRuby 12475Ulster County
Estimated valuepricier than$554,72083% of homes70% of homes
Price per ft²pricier than$35293% of homes79% of homes
Living areabigger than1,575 ft²47% of homes48% of homes
Lot sizebigger than1.2 ac50% of homes56% of homes
Year builtnewer than198679% of homes74% of homes

About 98 Serenity Dr

How much is 98 Serenity Dr, Ruby, NY worth?

The TopHap Estimate for 98 Serenity Dr, Ruby, NY is $554,720 as of Jul 14, 2026. The likely range is $517,315 to $592,125. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 98 Serenity Dr, Ruby, NY last sell?

98 Serenity Dr, Ruby, NY last sold on Feb 1, 1996, according to the county's recorded deed.

How big is 98 Serenity Dr, Ruby, NY?

98 Serenity Dr, Ruby, NY has 3 bedrooms, 2 bathrooms, 1,575 square feet of living space and a 1.20-acre lot.

When was 98 Serenity Dr, Ruby, NY built?

98 Serenity Dr, Ruby, NY was built in 1986, making it 40 years old. It is a ranch home. The building has 1 story.

How does 98 Serenity Dr, Ruby, NY compare to other homes in Ruby 12475?

Among the 130 homes in Ruby 12475, it is worth more than 83% of them ($554,720 against a typical $358,599), its price per square foot is higher than 93% of them ($352 against a typical $234), it is bigger than 47% of them (1,575 ft² against a typical 1,600 ft²), its lot is bigger than 50% of them (1.2 ac against a typical 1.2 ac) and it is newer than 79% of them (1986 against a typical 1960). Measured against all of Ulster County, it is worth more than 70% 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 98 Serenity Dr, Ruby, NY?

The 2024 property tax bill for 98 Serenity Dr, Ruby, NY was $9,542. The county assessed it at $450,500.

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