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Single Family ResidenceResidential
$795,969$547 / 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

938 ROUTE 35

CROSS RIVER, NY 10518
4
Beds
0
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.
1.4 ac
Lot SizeThe size of the land the home sits on, from county records.
1976
Year BuiltThe year the home was originally built, according to county records.

Valuation

$796K
$747K low$845K 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.$311,969
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$249,575
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.59%
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.$334,000
CITIMORTGAGE INC · recorded Dec 16, 2010
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.$150,000
CITIBANK

Tax & Assessment

Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$50,700 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$10,400
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$40,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$50,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$808,612

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.39
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
22
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
63
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
96
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
16
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
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.Split Level
CountyWESTCHESTER
Lot (acres)The size of the land the home sits on, from county records.1.40
HeatingThe type of heating system in the home.Hot Water
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

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.

M
John Jay Middle SchoolA
Middle · Grades 6–8 · 0.6 mi
H
John Jay High SchoolA
High · Grades 9–12 · 0.6 mi
E
Increase Miller Elementary SchoolA
Elementary · Grades KG–5 · 2.9 mi

District: Katonah-Lewisboro Union Free School District

Neighborhood · ZIP 10518These 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.68
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.111
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.97

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.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.46%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.2%
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.1,062
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.309 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$196,922
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$206,211
Average tempThe average temperature here across a full year.51°F
Annual precipHow much rain and melted snow falls here in a typical year.51 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.55%

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

938 Route 35 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 more per square foot than 86% of homes in Cross River 10518
  • Smaller than 88% of homes in Cross River 10518
  • Has a bigger lot than 91% of homes in Westchester County
  • Newer than 76% of homes in Westchester County

What homes are worth in Cross River 10518

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

This home
$532K$2.5M

This home is worth more than 46% of homes in Cross River 10518.

How it measures up in Cross River 10518

The dot is this home. The mark in the middle is the typical home in Cross River 10518.

Estimated value$795,969
CheaperTypical $857,237Pricier

Pricier than 46% of homes nearby

Price per ft²$547
CheaperTypical $446Pricier

Pricier than 86% of homes nearby

Living area1,456 ft²
SmallerTypical 2,912 ft²Bigger

Bigger than 12% of homes nearby

Lot size1.4 ac
SmallerTypical 0.94 acBigger

Bigger than 76% of homes nearby

Year built1976
OlderTypical 1986Newer

Newer than 29% of homes nearby

How 938 Route 35 ranks against every home in each area.
MeasureThis homeCross River 10518Westchester County
Estimated valuepricier than$795,96946% of homes41% of homes
Price per ft²pricier than$54786% of homes60% of homes
Living areabigger than1,456 ft²12% of homes22% of homes
Lot sizebigger than1.4 ac76% of homes91% of homes
Year builtnewer than197629% of homes76% of homes

About 938 Route 35

How much is 938 Route 35, Cross River, NY worth?

The TopHap Estimate for 938 Route 35, Cross River, NY is $795,969 as of Jul 14, 2026. The likely range is $747,278 to $844,660. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 938 Route 35, Cross River, NY last sell?

938 Route 35, Cross River, NY last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 938 Route 35, Cross River, NY?

938 Route 35, Cross River, NY has 4 bedrooms, 1,456 square feet of living space and a 1.40-acre lot.

When was 938 Route 35, Cross River, NY built?

938 Route 35, Cross River, NY was built in 1976, making it 50 years old. It is a split level home.

What schools serve 938 Route 35, Cross River, NY?

938 Route 35, Cross River, NY is assigned to John Jay Middle School (middle), rated A; John Jay High School (high), rated A; Increase Miller Elementary School (elementary), rated A. All sit in Katonah-Lewisboro Union Free School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 938 Route 35, Cross River, NY compare to other homes in Cross River 10518?

Among the 472 homes in Cross River 10518, it is worth more than 46% of them ($795,969 against a typical $857,237), its price per square foot is higher than 86% of them ($547 against a typical $446), it is bigger than 12% of them (1,456 ft² against a typical 2,912 ft²), its lot is bigger than 76% of them (1.4 ac against a typical 0.94 ac) and it is newer than 29% of them (1976 against a typical 1986). Measured against all of Westchester 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.

More homes on Route 35

Closest homes

More homes in Cross River 10518

Assigned schools

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