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Single Family ResidenceResidential
$839,335$437 / 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
Last sold for $250,000 on Jan 23, 2024

978 ROUTE 35

CROSS RIVER, NY 10518
3
Beds
0
Baths
1,920 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.
1962
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$839K
$782K low$897K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$250,000 · Jan 23, 2024
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.$639,335
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$511,468
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.24%
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.$200,000
CITIBANK NA · recorded Jan 23, 2024

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,589 (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.$49,900 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$10,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$39,900
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$49,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$795,854

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.Cape Cod
CountyWESTCHESTER
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.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 · 0.7 mi
H
John Jay High SchoolA
High · Grades 9–12 · 0.7 mi
E
Increase Miller Elementary SchoolA
Elementary · Grades KG–5 · 3.0 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.Absentee owner

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

978 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 less per square foot than 71% of homes in Westchester County
  • Smaller than 76% of homes in Cross River 10518
  • Has a bigger lot than 87% of homes in Westchester County
  • Older than 80% of homes in Cross River 10518

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
$526K$2.2M

This home is worth more than 48% 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$839,335
CheaperTypical $857,237Pricier

Pricier than 48% of homes nearby

Price per ft²$437
CheaperTypical $446Pricier

Pricier than 45% of homes nearby

Living area1,920 ft²
SmallerTypical 2,914 ft²Bigger

Bigger than 24% of homes nearby

Lot size1 ac
SmallerTypical 0.92 acBigger

Bigger than 54% of homes nearby

Year built1962
OlderTypical 1986Newer

Newer than 20% of homes nearby

How 978 Route 35 ranks against every home in each area.
MeasureThis homeCross River 10518Westchester County
Estimated valuepricier than$839,33548% of homes45% of homes
Price per ft²pricier than$43745% of homes29% of homes
Living areabigger than1,920 ft²24% of homes44% of homes
Lot sizebigger than1 ac54% of homes87% of homes
Year builtnewer than196220% of homes63% of homes

About 978 Route 35

How much is 978 Route 35, Cross River, NY worth?

The TopHap Estimate for 978 Route 35, Cross River, NY is $839,335 as of Jul 14, 2026. The likely range is $781,637 to $897,033. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 978 Route 35, Cross River, NY last sell?

978 Route 35, Cross River, NY last sold on Jan 23, 2024 for $250,000, according to the county's recorded deed.

How big is 978 Route 35, Cross River, NY?

978 Route 35, Cross River, NY has 3 bedrooms, 1,920 square feet of living space and a 1.00-acre lot.

When was 978 Route 35, Cross River, NY built?

978 Route 35, Cross River, NY was built in 1962, making it 64 years old. It is a cape cod home. The building has 1 story.

What schools serve 978 Route 35, Cross River, NY?

978 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 978 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 48% of them ($839,335 against a typical $857,237), its price per square foot is higher than 45% of them ($437 against a typical $446), it is bigger than 24% of them (1,920 ft² against a typical 2,914 ft²), its lot is bigger than 54% of them (1 ac against a typical 0.92 ac) and it is newer than 20% of them (1962 against a typical 1986). Measured against all of Westchester County, it is worth more than 45% 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 978 Route 35, Cross River, NY?

The 2025 property tax bill for 978 Route 35, Cross River, NY was $7,589. The county assessed it at $49,900.

More homes on Route 35

Closest homes

More homes in Cross River 10518

Assigned schools

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See this home in context

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