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Single Family ResidenceResidential
$265,572$231 / 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

45 ROCK RIDGE AVE

MONTICELLO, NY 12701
4
Beds
1
Baths
1,152 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.
0.31 ac
Lot SizeThe size of the land the home sits on, from county records.
1975
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$266K
$226K low$305K 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.$205,572
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$164,458
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.21%
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.$60,000
WALDEN FEDERAL SAVINGS & LOAN · recorded Jan 13, 1999

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,526 (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.$83,900 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$21,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$62,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$83,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$186,444

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.Contemporary
CountySullivan
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.1997
Lot (acres)The size of the land the home sits on, from county records.0.31
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.Patio · 150 ft²

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

E
George L Cooke School
Elementary · Grades PK–2 · 0.8 mi
H
Monticello High SchoolD+
High · Grades 9–12 · 1.7 mi
M
Robert J Kaiser Middle SchoolD+
Middle · Grades 6–8 · 1.7 mi

District: Monticello Central School District

Neighborhood · ZIP 12701These 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.122
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.94
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.59

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.69%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.15%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.21%
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.13,270
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.214 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$61,443
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$87,782
Average tempThe average temperature here across a full year.46°F
Annual precipHow much rain and melted snow falls here in a typical year.48 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

45 Rock Ridge Ave 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 72% of homes in Sullivan County
  • Smaller than 71% of homes in Sullivan County
  • Has a smaller lot than 71% of homes in Sullivan County

What homes are worth in Monticello 12701

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

This home
$115K$852K

This home is worth more than 36% of homes in Monticello 12701.

How it measures up in Monticello 12701

The dot is this home. The mark in the middle is the typical home in Monticello 12701.

Estimated value$265,572
CheaperTypical $313,847Pricier

Pricier than 36% of homes nearby

Price per ft²$231
CheaperTypical $212Pricier

Pricier than 59% of homes nearby

Living area1,152 ft²
SmallerTypical 1,420 ft²Bigger

Bigger than 31% of homes nearby

Lot size0.31 ac
SmallerTypical 0.34 acBigger

Bigger than 46% of homes nearby

Year built1975
OlderTypical 1965Newer

Newer than 59% of homes nearby

How 45 Rock Ridge Ave ranks against every home in each area.
MeasureThis homeMonticello 12701Sullivan County
Estimated valuepricier than$265,57236% of homes28% of homes
Price per ft²pricier than$23159% of homes52% of homes
Living areabigger than1,152 ft²31% of homes29% of homes
Lot sizebigger than0.31 ac46% of homes29% of homes
Year builtnewer than197559% of homes55% of homes

About 45 Rock Ridge Ave

How much is 45 Rock Ridge Ave, Monticello, NY worth?

The TopHap Estimate for 45 Rock Ridge Ave, Monticello, NY is $265,572 as of Jul 14, 2026. The likely range is $225,698 to $305,446. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 45 Rock Ridge Ave, Monticello, NY?

45 Rock Ridge Ave, Monticello, NY has 4 bedrooms, 1 bathrooms, 1,152 square feet of living space and a 0.31-acre lot.

When was 45 Rock Ridge Ave, Monticello, NY built?

45 Rock Ridge Ave, Monticello, NY was built in 1975, making it 51 years old. It is a contemporary home. The building has 2 stories.

What schools serve 45 Rock Ridge Ave, Monticello, NY?

45 Rock Ridge Ave, Monticello, NY is assigned to George L Cooke School (elementary); Monticello High School (high), rated D+; Robert J Kaiser Middle School (middle), rated D+. All sit in Monticello Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 45 Rock Ridge Ave, Monticello, NY compare to other homes in Monticello 12701?

Among the 4,415 homes in Monticello 12701, it is worth more than 36% of them ($265,572 against a typical $313,847), its price per square foot is higher than 59% of them ($231 against a typical $212), it is bigger than 31% of them (1,152 ft² against a typical 1,420 ft²), its lot is bigger than 46% of them (0.31 ac against a typical 0.34 ac) and it is newer than 59% of them (1975 against a typical 1965). Measured against all of Sullivan County, it is worth more than 28% 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 45 Rock Ridge Ave, Monticello, NY?

The 2024 property tax bill for 45 Rock Ridge Ave, Monticello, NY was $5,526. The county assessed it at $83,900.

More homes on Rock Ridge Ave

Closest homes

More homes in Monticello 12701

Assigned schools

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