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Rural ResidenceResidential
$461,342$195 / 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 78How 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

1320 STATE ROUTE 49

CLEVELAND, NY 13042
4
Beds
2
Baths
2,368 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.
2.63 ac
Lot SizeThe size of the land the home sits on, from county records.
1970
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
8
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

$461K
$360K low$562K 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.$280,342
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$224,274
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.38%
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.$181,000
SECNY FCU · recorded Mar 22, 2017

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,458 (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.$128,050 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$45,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$83,050
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$128,050
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$355,694

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.9 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.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.Rural Residence
StyleThe architectural style of the home, such as ranch or colonial.Colonial
CountyOneida
Lot (acres)The size of the land the home sits on, from county records.2.63
HeatingThe type of heating system in the home.Electric
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(1)

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
Camden Middle SchoolB+
Middle · Grades 5–8 · 8.5 mi
H
Camden Senior High SchoolC-
High · Grades 9–12 · 8.9 mi

District: Camden Central School District

Neighborhood · ZIP 13042These 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.107
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.90
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.45

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.77%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.22%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.8%
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.2,713
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.41 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$73,026
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$96,123
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%

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

1320 State Route 49 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 95% of homes in Oneida County
  • Costs more per square foot than 82% of homes in Oneida County
  • Bigger than 93% of homes in Cleveland 13042
  • Has a bigger lot than 84% of homes in Oneida County
  • Newer than 74% of homes in Oneida County

What homes are worth in Cleveland 13042

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

This home
$74K$612K

This home is worth more than 92% of homes in Cleveland 13042.

How it measures up in Cleveland 13042

The dot is this home. The mark in the middle is the typical home in Cleveland 13042.

Estimated value$461,342
CheaperTypical $225,321Pricier

Pricier than 92% of homes nearby

Price per ft²$195
CheaperTypical $155Pricier

Pricier than 68% of homes nearby

Living area2,368 ft²
SmallerTypical 1,369 ft²Bigger

Bigger than 93% of homes nearby

Lot size2.63 ac
SmallerTypical 1.16 acBigger

Bigger than 68% of homes nearby

Year built1970
OlderTypical 1971Newer

Newer than 50% of homes nearby

How 1320 State Route 49 ranks against every home in each area.
MeasureThis homeCleveland 13042Oneida County
Estimated valuepricier than$461,34292% of homes95% of homes
Price per ft²pricier than$19568% of homes82% of homes
Living areabigger than2,368 ft²93% of homes84% of homes
Lot sizebigger than2.63 ac68% of homes84% of homes
Year builtnewer than197050% of homes74% of homes

About 1320 State Route 49

How much is 1320 State Route 49, Cleveland, NY worth?

The TopHap Estimate for 1320 State Route 49, Cleveland, NY is $461,342 as of Jul 14, 2026. The likely range is $360,290 to $562,394. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1320 State Route 49, Cleveland, NY last sell?

1320 State Route 49, Cleveland, NY last sold on Apr 24, 2013, according to the county's recorded deed.

How big is 1320 State Route 49, Cleveland, NY?

1320 State Route 49, Cleveland, NY has 4 bedrooms, 2 bathrooms, 2,368 square feet of living space and a 2.63-acre lot.

When was 1320 State Route 49, Cleveland, NY built?

1320 State Route 49, Cleveland, NY was built in 1970, making it 56 years old. It is a colonial home. The building has 2 stories.

What schools serve 1320 State Route 49, Cleveland, NY?

1320 State Route 49, Cleveland, NY is assigned to Camden Middle School (middle), rated B+; Camden Senior High School (high), rated C-. All sit in Camden Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1320 State Route 49, Cleveland, NY compare to other homes in Cleveland 13042?

Among the 1,384 homes in Cleveland 13042, it is worth more than 92% of them ($461,342 against a typical $225,321), its price per square foot is higher than 68% of them ($195 against a typical $155), it is bigger than 93% of them (2,368 ft² against a typical 1,369 ft²), its lot is bigger than 68% of them (2.63 ac against a typical 1.16 ac) and it is newer than 50% of them (1970 against a typical 1971). Measured against all of Oneida County, it is worth more than 95% 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 1320 State Route 49, Cleveland, NY?

The 2024 property tax bill for 1320 State Route 49, Cleveland, NY was $5,458. The county assessed it at $128,050.

Closest homes

More homes in Cleveland 13042

Assigned schools

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