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Single Family ResidenceResidential
$307,841$211 / 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 85How 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

12 RUSSELL ST

SAUGERTIES, NY 12477
3
Beds
2
Baths
1,456 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.
0.11 ac
Lot SizeThe size of the land the home sits on, from county records.
1865
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$308K
$262K low$354K 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.$185,841
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$148,673
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.39%
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.$88,000
M&T BANK NA · recorded Jan 6, 2015
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.$34,000
MANUFACTURERS & TRADERS TR

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,934 (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.$210,000 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$68,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$142,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$184,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$210,000

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
CountyUlster
Lot (acres)The size of the land the home sits on, from county records.0.11
HeatingThe type of heating system in the home.Hot Water
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 · 240 ft²

Neighborhood · ZIP 12477These 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.118
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.90%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.20%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.9%
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.20,585
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.288 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$74,893
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$105,238
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.45 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

12 Russell St 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 less than 85% of homes in Saugerties 12477
  • Costs less per square foot than 90% of homes in Saugerties 12477
  • Has a smaller lot than 95% of homes in Saugerties 12477
  • Older than 96% of homes in Saugerties 12477

What homes are worth in Saugerties 12477

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

This home
$206K$1.1M

This home is worth more than 15% of homes in Saugerties 12477.

How it measures up in Saugerties 12477

The dot is this home. The mark in the middle is the typical home in Saugerties 12477.

Estimated value$307,841
CheaperTypical $414,188Pricier

Pricier than 15% of homes nearby

Price per ft²$211
CheaperTypical $277Pricier

Pricier than 10% of homes nearby

Living area1,456 ft²
SmallerTypical 1,542 ft²Bigger

Bigger than 45% of homes nearby

Lot size0.11 ac
SmallerTypical 0.75 acBigger

Bigger than 5% of homes nearby

Year built1865
OlderTypical 1961Newer

Newer than 4% of homes nearby

How 12 Russell St ranks against every home in each area.
MeasureThis homeSaugerties 12477Ulster County
Estimated valuepricier than$307,84115% of homes16% of homes
Price per ft²pricier than$21110% of homes14% of homes
Living areabigger than1,456 ft²45% of homes41% of homes
Lot sizebigger than0.11 ac5% of homes7% of homes
Year builtnewer than18654% of homes4% of homes

About 12 Russell St

How much is 12 Russell St, Saugerties, NY worth?

The TopHap Estimate for 12 Russell St, Saugerties, NY is $307,841 as of Jul 14, 2026. The likely range is $261,540 to $354,142. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 12 Russell St, Saugerties, NY?

12 Russell St, Saugerties, NY has 3 bedrooms, 2 bathrooms, 1,456 square feet of living space and a 0.11-acre lot.

When was 12 Russell St, Saugerties, NY built?

12 Russell St, Saugerties, NY was built in 1865, making it 161 years old. It is a traditional/old home. The building has 2 stories.

How does 12 Russell St, Saugerties, NY compare to other homes in Saugerties 12477?

Among the 7,365 homes in Saugerties 12477, it is worth more than 15% of them ($307,841 against a typical $414,188), its price per square foot is higher than 10% of them ($211 against a typical $277), it is bigger than 45% of them (1,456 ft² against a typical 1,542 ft²), its lot is bigger than 5% of them (0.11 ac against a typical 0.75 ac) and it is newer than 4% of them (1865 against a typical 1961). Measured against all of Ulster County, it is worth more than 16% 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 12 Russell St, Saugerties, NY?

The 2024 property tax bill for 12 Russell St, Saugerties, NY was $4,934. The county assessed it at $210,000.

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