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Single Family ResidenceResidential
$186,375$165 / 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 87How 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

1195 RAY RD

PENN RUN, PA 15765
3
Beds
1.5
Baths
1,130 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.
1968
Year BuiltThe year the home was originally built, according to county records.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$186K
$162K low$210K 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.$106,375
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$85,100
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.44%
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.$80,000
FIRST NATIONAL BANK OF PENNSYLVANIA · recorded Mar 18, 2016

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,110 (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.$124,200 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$16,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$108,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$124,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$124,200

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.
7
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
71
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
92
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
25
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
CountyINDIANA
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.1990
Lot (acres)The size of the land the home sits on, from county records.1.00
HeatingThe type of heating system in the home.Electric
CoolingThe type of cooling or air conditioning in the home.None
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Basement
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.Deck · 216 ft²Porch · 120 ft²

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

E
Penns Manor Area Elementary SchoolB
Elementary · Grades PK–5 · 5.8 mi
M
Penns Manor Area Jr. / Sr. SchoolC+
Middle · Grades 6–12 · 5.8 mi

District: Penns Manor Area School District

Neighborhood · ZIP 15765These 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.123
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.88
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.30

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.12%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.11%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.1,893
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.48 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$71,862
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$81,427
Average tempThe average temperature here across a full year.48°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.45%

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

1195 Ray Rd 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 78% of homes in Indiana County
  • Smaller than 75% of homes in Indiana County
  • Has a smaller lot than 71% of homes in Penn Run 15765
  • Older than 67% of homes in Penn Run 15765

What homes are worth in Penn Run 15765

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

This home
$67K$548K

This home is worth more than 40% of homes in Penn Run 15765.

How it measures up in Penn Run 15765

The dot is this home. The mark in the middle is the typical home in Penn Run 15765.

Estimated value$186,375
CheaperTypical $212,659Pricier

Pricier than 40% of homes nearby

Price per ft²$165
CheaperTypical $138Pricier

Pricier than 68% of homes nearby

Living area1,130 ft²
SmallerTypical 1,450 ft²Bigger

Bigger than 27% of homes nearby

Lot size1 ac
SmallerTypical 2.33 acBigger

Bigger than 29% of homes nearby

Year built1968
OlderTypical 1977Newer

Newer than 33% of homes nearby

How 1195 Ray Rd ranks against every home in each area.
MeasureThis homePenn Run 15765Indiana County
Estimated valuepricier than$186,37540% of homes56% of homes
Price per ft²pricier than$16568% of homes78% of homes
Living areabigger than1,130 ft²27% of homes25% of homes
Lot sizebigger than1 ac29% of homes59% of homes
Year builtnewer than196833% of homes52% of homes

About 1195 Ray Rd

How much is 1195 Ray Rd, Penn Run, PA worth?

The TopHap Estimate for 1195 Ray Rd, Penn Run, PA is $186,375 as of Jul 14, 2026. The likely range is $162,447 to $210,303. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1195 Ray Rd, Penn Run, PA last sell?

1195 Ray Rd, Penn Run, PA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 1195 Ray Rd, Penn Run, PA?

1195 Ray Rd, Penn Run, PA has 3 bedrooms, 1.5 bathrooms, 1,130 square feet of living space and a 1.00-acre lot.

When was 1195 Ray Rd, Penn Run, PA built?

1195 Ray Rd, Penn Run, PA was built in 1968, making it 58 years old. It is a split level home.

What schools serve 1195 Ray Rd, Penn Run, PA?

1195 Ray Rd, Penn Run, PA is assigned to Penns Manor Area Elementary School (elementary), rated B; Penns Manor Area Jr. / Sr. School (middle), rated C+. All sit in Penns Manor Area School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1195 Ray Rd, Penn Run, PA compare to other homes in Penn Run 15765?

Among the 739 homes in Penn Run 15765, it is worth more than 40% of them ($186,375 against a typical $212,659), its price per square foot is higher than 68% of them ($165 against a typical $138), it is bigger than 27% of them (1,130 ft² against a typical 1,450 ft²), its lot is bigger than 29% of them (1 ac against a typical 2.33 ac) and it is newer than 33% of them (1968 against a typical 1977). Measured against all of Indiana County, it is worth more than 56% 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 1195 Ray Rd, Penn Run, PA?

The 2026 property tax bill for 1195 Ray Rd, Penn Run, PA was $2,110. The county assessed it at $124,200.

Closest homes

More homes in Penn Run 15765

Assigned schools

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