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Single Family ResidenceResidential
$806,714$425 / 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 93How 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

150 LOCUST LN

RICHFIELD SPRINGS, NY 13439
3
Beds
2
Baths
1,900 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.
0.38 ac
Lot SizeThe size of the land the home sits on, from county records.
1990
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$807K
$752K low$862K 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.$606,714
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$485,371
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.21%
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.$200,000
CITIZENS BANK · recorded Jan 27, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,720 (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.$343,600 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$150,900
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$192,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$343,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$602,807

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.34
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
8
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
60
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.
12
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.11 in
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.Contemporary
CountyOtsego
Lot (acres)The size of the land the home sits on, from county records.0.38
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
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 794 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.

E
Richfield Springs Elementary SchoolB
Elementary · Grades PK–6 · 1.6 mi

District: Richfield Springs Central School District

Neighborhood · ZIP 13439These 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.111
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.81
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.53

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.72%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.17%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.18%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.3,769
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.42 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$58,992
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$80,755
Average tempThe average temperature here across a full year.44°F
Annual precipHow much rain and melted snow falls here in a typical year.44 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.48%

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

150 Locust Ln 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.

  • Among the most valuable homes in Richfield Springs 13439
  • Among the highest price per square foot in Otsego County
  • Bigger than 71% of homes in Richfield Springs 13439
  • Has a smaller lot than 73% of homes in Otsego County
  • Newer than 79% of homes in Otsego County

What homes are worth in Richfield Springs 13439

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

This home
$73K$757K

This home is worth more than almost all homes in Richfield Springs 13439.

How it measures up in Richfield Springs 13439

The dot is this home. The mark in the middle is the typical home in Richfield Springs 13439.

Estimated value$806,714
CheaperTypical $211,817Pricier

Pricier than almost all homes nearby

Price per ft²$425
CheaperTypical $132Pricier

Pricier than 98% of homes nearby

Living area1,900 ft²
SmallerTypical 1,500 ft²Bigger

Bigger than 71% of homes nearby

Lot size0.38 ac
SmallerTypical 1 acBigger

Bigger than 28% of homes nearby

Year built1990
OlderTypical 1957Newer

Newer than 78% of homes nearby

How 150 Locust Ln ranks against every home in each area.
MeasureThis homeRichfield Springs 13439Otsego County
Estimated valuepricier than$806,714almost all homesalmost all homes
Price per ft²pricier than$42598% of homesalmost all homes
Living areabigger than1,900 ft²71% of homes69% of homes
Lot sizebigger than0.38 ac28% of homes27% of homes
Year builtnewer than199078% of homes79% of homes

About 150 Locust Ln

How much is 150 Locust Ln, Richfield Springs, NY worth?

The TopHap Estimate for 150 Locust Ln, Richfield Springs, NY is $806,714 as of Jul 14, 2026. The likely range is $751,849 to $861,579. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 150 Locust Ln, Richfield Springs, NY last sell?

150 Locust Ln, Richfield Springs, NY last sold on Jan 30, 2020, according to the county's recorded deed.

How big is 150 Locust Ln, Richfield Springs, NY?

150 Locust Ln, Richfield Springs, NY has 3 bedrooms, 2 bathrooms, 1,900 square feet of living space and a 0.38-acre lot.

When was 150 Locust Ln, Richfield Springs, NY built?

150 Locust Ln, Richfield Springs, NY was built in 1990, making it 36 years old. It is a contemporary home. The building has 2 stories.

What schools serve 150 Locust Ln, Richfield Springs, NY?

150 Locust Ln, Richfield Springs, NY is assigned to Richfield Springs Elementary School (elementary), rated B. All sit in Richfield Springs Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 150 Locust Ln, Richfield Springs, NY compare to other homes in Richfield Springs 13439?

Among the 2,097 homes in Richfield Springs 13439, it is worth more than almost all of them ($806,714 against a typical $211,817), its price per square foot is higher than 98% of them ($425 against a typical $132), it is bigger than 71% of them (1,900 ft² against a typical 1,500 ft²), its lot is bigger than 28% of them (0.38 ac against a typical 1 ac) and it is newer than 78% of them (1990 against a typical 1957). Measured against all of Otsego County, it is worth more than almost all 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 150 Locust Ln, Richfield Springs, NY?

The 2024 property tax bill for 150 Locust Ln, Richfield Springs, NY was $7,720. The county assessed it at $343,600.

Closest homes

More homes in Richfield Springs 13439

Assigned schools

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