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Single Family ResidenceResidential
$190,194$131 / 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 79How 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

12962 STATE ROUTE 18

HOLGATE, OH 43527
2
Beds
1
Baths
1,450 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.
1.13 ac
Lot SizeThe size of the land the home sits on, from county records.
1960
Year BuiltThe year the home was originally built, according to county records.
1
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.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$190K
$150K low$230K 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.$130,963
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$104,770
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.31%
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.$59,231
THE HUNTINGTON NATIONAL BANK · recorded Mar 20, 2024

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,436 (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.$51,510 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$8,840
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$42,670
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$51,510
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$147,170

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.15
35
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
17
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
27
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.6 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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
CountyHENRY
Lot (acres)The size of the land the home sits on, from county records.1.13
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Shingle
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
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, Attached
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 · 196 ft²Shed · 120 ft²Porch · 30 ft²

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
Holgate High SchoolB
Middle · Grades 6–12 · 0.4 mi
E
Holgate Elementary SchoolB
Elementary · Grades KG–5 · 0.4 mi

District: Holgate Local School District

Neighborhood · ZIP 43527These 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.100
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.175
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.48

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.13%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.2%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.5%
PopulationHow many people live in this area.2,267
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.47 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$77,577
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$103,007
Average tempThe average temperature here across a full year.50°F
Annual precipHow much rain and melted snow falls here in a typical year.35 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.52%

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

12962 State Route 18 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 more than 69% of homes in Holgate 43527
  • Costs more per square foot than 85% of homes in Holgate 43527
  • Newer than 66% of homes in Holgate 43527

What homes are worth in Holgate 43527

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

This home
$48K$406K

This home is worth more than 69% of homes in Holgate 43527.

How it measures up in Holgate 43527

The dot is this home. The mark in the middle is the typical home in Holgate 43527.

Estimated value$190,194
CheaperTypical $146,355Pricier

Pricier than 69% of homes nearby

Price per ft²$131
CheaperTypical $91Pricier

Pricier than 85% of homes nearby

Living area1,450 ft²
SmallerTypical 1,595 ft²Bigger

Bigger than 38% of homes nearby

Lot size1.13 ac
SmallerTypical 0.57 acBigger

Bigger than 63% of homes nearby

Year built1960
OlderTypical 1937Newer

Newer than 66% of homes nearby

How 12962 State Route 18 ranks against every home in each area.
MeasureThis homeHolgate 43527Henry County
Estimated valuepricier than$190,19469% of homes50% of homes
Price per ft²pricier than$13185% of homes62% of homes
Living areabigger than1,450 ft²38% of homes39% of homes
Lot sizebigger than1.13 ac63% of homes63% of homes
Year builtnewer than196066% of homes52% of homes

About 12962 State Route 18

How much is 12962 State Route 18, Holgate, OH worth?

The TopHap Estimate for 12962 State Route 18, Holgate, OH is $190,194 as of Jul 14, 2026. The likely range is $150,239 to $230,149. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 12962 State Route 18, Holgate, OH last sell?

12962 State Route 18, Holgate, OH last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 12962 State Route 18, Holgate, OH?

12962 State Route 18, Holgate, OH has 2 bedrooms, 1 bathrooms, 1,450 square feet of living space and a 1.13-acre lot.

When was 12962 State Route 18, Holgate, OH built?

12962 State Route 18, Holgate, OH was built in 1960, making it 66 years old. The building has 1 story.

What schools serve 12962 State Route 18, Holgate, OH?

12962 State Route 18, Holgate, OH is assigned to Holgate High School (middle), rated B; Holgate Elementary School (elementary), rated B. All sit in Holgate Local School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 12962 State Route 18, Holgate, OH compare to other homes in Holgate 43527?

Among the 964 homes in Holgate 43527, it is worth more than 69% of them ($190,194 against a typical $146,355), its price per square foot is higher than 85% of them ($131 against a typical $91), it is bigger than 38% of them (1,450 ft² against a typical 1,595 ft²), its lot is bigger than 63% of them (1.13 ac against a typical 0.57 ac) and it is newer than 66% of them (1960 against a typical 1937). Measured against all of Henry County, it is worth more than 50% 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 12962 State Route 18, Holgate, OH?

The 2025 property tax bill for 12962 State Route 18, Holgate, OH was $1,436. The county assessed it at $51,510.

Closest homes

More homes in Holgate 43527

Assigned schools

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