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Single Family ResidenceResidential
$176,027$123 / 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 88How 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 $220,000 on Nov 14, 2023

102 WATROUS ST

GAINES, PA 16921
3
Beds
2 / 1
Baths
1,434 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.
0.28 ac
Lot SizeThe size of the land the home sits on, from county records.
1901
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$176K
$156K low$197K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$220,000 · Nov 14, 2023
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.$0
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$0
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.138%
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.$216,015
FREEDOM MORTGAGE CORP · recorded Nov 14, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,809 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$125,760 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$12,240
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$113,520
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$125,760
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$125,760

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.49
91
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
13
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
52
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
91
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
1
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.197 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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.1 percent flood zone

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
CountyTioga
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.2023
Lot (acres)The size of the land the home sits on, from county records.0.28
HeatingThe type of heating system in the home.Hot Water
CoolingThe type of cooling or air conditioning in the home.None

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.

E
Galeton Area School
Elementary · Grades PK–12 · 3.4 mi

District: Galeton Area School District

Neighborhood · ZIP 16921These 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.181
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.98
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.33

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.37%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.8.9%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.0%
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.664
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.6 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$52,279
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$63,115
Average tempThe average temperature here across a full year.45°F
Annual precipHow much rain and melted snow falls here in a typical year.38 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.51%

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

102 Watrous 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 70% of homes in Gaines 16921
  • Costs less per square foot than 77% of homes in Gaines 16921
  • Bigger than 70% of homes in Gaines 16921
  • Has a smaller lot than 90% of homes in Gaines 16921
  • Older than 82% of homes in Gaines 16921

What homes are worth in Gaines 16921

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

This home
$75K$597K

This home is worth more than 30% of homes in Gaines 16921.

How it measures up in Gaines 16921

The dot is this home. The mark in the middle is the typical home in Gaines 16921.

Estimated value$176,027
CheaperTypical $226,106Pricier

Pricier than 30% of homes nearby

Price per ft²$123
CheaperTypical $180Pricier

Pricier than 23% of homes nearby

Living area1,434 ft²
SmallerTypical 1,092 ft²Bigger

Bigger than 70% of homes nearby

Lot size0.28 ac
SmallerTypical 1.96 acBigger

Bigger than 10% of homes nearby

Year built1901
OlderTypical 1965Newer

Newer than 18% of homes nearby

How 102 Watrous St ranks against every home in each area.
MeasureThis homeGaines 16921Tioga County
Estimated valuepricier than$176,02730% of homes30% of homes
Price per ft²pricier than$12323% of homes32% of homes
Living areabigger than1,434 ft²70% of homes46% of homes
Lot sizebigger than0.28 ac10% of homes11% of homes
Year builtnewer than190118% of homes26% of homes

About 102 Watrous St

How much is 102 Watrous St, Gaines, PA worth?

The TopHap Estimate for 102 Watrous St, Gaines, PA is $176,027 as of Jul 14, 2026. The likely range is $155,541 to $196,513. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 102 Watrous St, Gaines, PA last sell?

102 Watrous St, Gaines, PA last sold on Nov 14, 2023 for $220,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 102 Watrous St, Gaines, PA?

102 Watrous St, Gaines, PA has 3 bedrooms, 2 bathrooms, 1,434 square feet of living space and a 0.28-acre lot.

When was 102 Watrous St, Gaines, PA built?

102 Watrous St, Gaines, PA was built in 1901, making it 125 years old. The building has 2 stories.

What schools serve 102 Watrous St, Gaines, PA?

102 Watrous St, Gaines, PA is assigned to Galeton Area School (elementary). All sit in Galeton Area School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 102 Watrous St, Gaines, PA compare to other homes in Gaines 16921?

Among the 707 homes in Gaines 16921, it is worth more than 30% of them ($176,027 against a typical $226,106), its price per square foot is higher than 23% of them ($123 against a typical $180), it is bigger than 70% of them (1,434 ft² against a typical 1,092 ft²), its lot is bigger than 10% of them (0.28 ac against a typical 1.96 ac) and it is newer than 18% of them (1901 against a typical 1965). Measured against all of Tioga County, it is worth more than 30% 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 102 Watrous St, Gaines, PA?

The 2026 property tax bill for 102 Watrous St, Gaines, PA was $1,809. The county assessed it at $125,760.

Closest homes

More homes in Gaines 16921

Assigned schools

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