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Single Family ResidenceResidential
$88,081$114 / 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 91How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

12 RACHEL ST

BERNHARDS BAY, NY 13028
2
Beds
1
Baths
774 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.
0.11 ac
Lot SizeThe size of the land the home sits on, from county records.
1935
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$88K
$80K low$96K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$988 (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.$25,500 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$8,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$17,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$25,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$42,500

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.46
45
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
9
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
54
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
97
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
29
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.8 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.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.Cottage
CountyOswego
Lot (acres)The size of the land the home sits on, from county records.0.12
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Mat/Raft Foundation (Slab)
HeatingThe type of heating system in the home.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

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

E
Aura A. Cole Elementary SchoolD+
Elementary · Grades PK–5 · 7.5 mi
M
Central Square Middle SchoolB
Middle · Grades 6–8 · 12.7 mi
H
Paul V. Moore High SchoolC+
High · Grades 9–12 · 12.8 mi

District: Central Square Central School District

Neighborhood · ZIP 13028These 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.141
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.87
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.42

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.82%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.11%
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.1.3%
PopulationHow many people live in this area.808
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.40 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$73,879
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$88,846
Average tempThe average temperature here across a full year.46°F
Annual precipHow much rain and melted snow falls here in a typical year.46 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.46%

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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

12 Rachel 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 97% of homes in Bernhards Bay 13028
  • Costs less per square foot than 77% of homes in Bernhards Bay 13028
  • Smaller than 93% of homes in Oswego County
  • Has a smaller lot than 98% of homes in Bernhards Bay 13028
  • Older than 75% of homes in Bernhards Bay 13028

What homes are worth in Bernhards Bay 13028

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

This home
$77K$697K

This home is worth more than 3% of homes in Bernhards Bay 13028.

How it measures up in Bernhards Bay 13028

The dot is this home. The mark in the middle is the typical home in Bernhards Bay 13028.

Estimated value$88,081
CheaperTypical $224,550Pricier

Pricier than 3% of homes nearby

Price per ft²$114
CheaperTypical $154Pricier

Pricier than 23% of homes nearby

Living area774 ft²
SmallerTypical 1,284 ft²Bigger

Bigger than 15% of homes nearby

Lot size0.11 ac
SmallerTypical 1.3 acBigger

Bigger than 2% of homes nearby

Year built1935
OlderTypical 1970Newer

Newer than 25% of homes nearby

How 12 Rachel St ranks against every home in each area.
MeasureThis homeBernhards Bay 13028Oswego County
Estimated valuepricier than$88,0813% of homes8% of homes
Price per ft²pricier than$11423% of homes46% of homes
Living areabigger than774 ft²15% of homes7% of homes
Lot sizebigger than0.11 ac2% of homes8% of homes
Year builtnewer than193525% of homes33% of homes

About 12 Rachel St

How much is 12 Rachel St, Bernhards Bay, NY worth?

The TopHap Estimate for 12 Rachel St, Bernhards Bay, NY is $88,081 as of Sep 24, 2026. The likely range is $80,404 to $95,758. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 12 Rachel St, Bernhards Bay, NY?

12 Rachel St, Bernhards Bay, NY has 2 bedrooms, 1 bathrooms, 774 square feet of living space and a 0.12-acre lot.

When was 12 Rachel St, Bernhards Bay, NY built?

12 Rachel St, Bernhards Bay, NY was built in 1935, making it 91 years old. It is a cottage home. The building has 1 story.

What schools serve 12 Rachel St, Bernhards Bay, NY?

12 Rachel St, Bernhards Bay, NY is assigned to Aura A. Cole Elementary School (elementary), rated D+; Central Square Middle School (middle), rated B; Paul V. Moore High School (high), rated C+. All sit in Central Square Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 12 Rachel St, Bernhards Bay, NY compare to other homes in Bernhards Bay 13028?

Among the 775 homes in Bernhards Bay 13028, it is worth more than 3% of them ($88,081 against a typical $224,550), its price per square foot is higher than 23% of them ($114 against a typical $154), it is bigger than 15% of them (774 ft² against a typical 1,284 ft²), its lot is bigger than 2% of them (0.11 ac against a typical 1.3 ac) and it is newer than 25% of them (1935 against a typical 1970). Measured against all of Oswego County, it is worth more than 8% 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 12 Rachel St, Bernhards Bay, NY?

The 2024 property tax bill for 12 Rachel St, Bernhards Bay, NY was $988. The county assessed it at $25,500.

More homes on Rachel St

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Assigned schools

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