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Single Family ResidenceResidential
$249,154$166 / 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 $134,000 on Mar 6, 2014

991 STATE ROUTE 96

WATERLOO, NY 13165
3
Beds
1.5
Baths
1,498 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 ac
Lot SizeThe size of the land the home sits on, from county records.
1971
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$249K
$229K low$269K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$134,000 · Mar 6, 2014
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.$117,582
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$94,066
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.54%
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.$131,572
PLAZA HOME MORTGAGE INC · recorded Mar 6, 2014

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,324 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$138,700 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$17,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$121,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$138,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$227,400

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
CountySENECA
Lot (acres)The size of the land the home sits on, from county records.1.00
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, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.In-Ground Vinyl Pool

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.

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

H
Waterloo High SchoolC-
High · Grades 9–12 · 1.6 mi
M
Waterloo Middle SchoolC+
Middle · Grades 6–8 · 1.7 mi
E
Skoi-Yase School
Elementary · Grades PK–2 · 2.7 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%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied

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

991 State Route 96 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 80% of homes in Waterloo 13165
  • Costs more per square foot than 87% of homes in Waterloo 13165
  • Newer than 68% 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
$76K$407K

This home is worth more than 80% 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$249,154
CheaperTypical $165,069Pricier

Pricier than 80% of homes nearby

Price per ft²$166
CheaperTypical $115Pricier

Pricier than 87% of homes nearby

Living area1,498 ft²
SmallerTypical 1,512 ft²Bigger

Bigger than 49% of homes nearby

Lot size1 ac
SmallerTypical 0.56 acBigger

Bigger than 64% of homes nearby

Year built1971
OlderTypical 1952Newer

Newer than 68% of homes nearby

How 991 State Route 96 ranks against every home in each area.
MeasureThis homeWaterloo 13165Seneca County
Estimated valuepricier than$249,15480% of homes64% of homes
Price per ft²pricier than$16687% of homes71% of homes
Living areabigger than1,498 ft²49% of homes46% of homes
Lot sizebigger than1 ac64% of homes62% of homes
Year builtnewer than197168% of homes67% of homes

About 991 State Route 96

How much is 991 State Route 96, Waterloo, NY worth?

The TopHap Estimate for 991 State Route 96, Waterloo, NY is $249,154 as of Jul 14, 2026. The likely range is $229,200 to $269,108. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 991 State Route 96, Waterloo, NY last sell?

991 State Route 96, Waterloo, NY last sold on Mar 6, 2014 for $134,000, according to the county's recorded deed.

How big is 991 State Route 96, Waterloo, NY?

991 State Route 96, Waterloo, NY has 3 bedrooms, 1.5 bathrooms, 1,498 square feet of living space and a 1.00-acre lot.

When was 991 State Route 96, Waterloo, NY built?

991 State Route 96, Waterloo, NY was built in 1971, making it 55 years old. It is a ranch home. The building has 1 story.

What schools serve 991 State Route 96, Waterloo, NY?

991 State Route 96, Waterloo, NY is assigned to Waterloo High School (high), rated C-; Waterloo Middle School (middle), 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 991 State Route 96, Waterloo, NY compare to other homes in Waterloo 13165?

Among the 3,349 homes in Waterloo 13165, it is worth more than 80% of them ($249,154 against a typical $165,069), its price per square foot is higher than 87% of them ($166 against a typical $115), it is bigger than 49% of them (1,498 ft² against a typical 1,512 ft²), its lot is bigger than 64% of them (1 ac against a typical 0.56 ac) and it is newer than 68% of them (1971 against a typical 1952). Measured against all of Seneca County, it is worth more than 64% 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 991 State Route 96, Waterloo, NY?

The 2025 property tax bill for 991 State Route 96, Waterloo, NY was $4,324. The county assessed it at $138,700.

Closest homes

More homes in Waterloo 13165

Assigned schools

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