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Single Family ResidenceResidential
$293,771$138 / 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
Last sold for $288,000 on May 26, 2026

186 STATE ROUTE 49

CLEVELAND, NY 13042
4
Beds
1.5
Baths
2,126 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.
0.4 ac
Lot SizeThe size of the land the home sits on, from county records.
1862
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$294K
$257K low$331K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$288,000 · May 26, 2026
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.$293,771
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$235,017

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,952 (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.$137,774 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$11,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$126,574
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$137,774
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$250,498

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.43
25
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
11
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
58
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
94
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.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.0.2 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.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Traditional/Old
CountyOSWEGO
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.1960
Lot (acres)The size of the land the home sits on, from county records.0.40
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
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

Transaction History(4)

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
Aura A. Cole Elementary SchoolC-
Elementary · Grades PK–5 · 6.6 mi
M
Central Square Middle SchoolB-
Middle · Grades 6–8 · 12.5 mi
H
Paul V. Moore High SchoolC+
High · Grades 9–12 · 13.4 mi

District: Central Square 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.Absentee owner
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

186 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 86% of homes in Oswego County
  • Costs more per square foot than 65% of homes in Oswego County
  • Bigger than 87% of homes in Cleveland 13042
  • Has a smaller lot than 80% of homes in Cleveland 13042
  • Older than 96% of homes in Cleveland 13042

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
$72K$581K

This home is worth more than 71% 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$293,771
CheaperTypical $223,111Pricier

Pricier than 71% of homes nearby

Price per ft²$138
CheaperTypical $154Pricier

Pricier than 40% of homes nearby

Living area2,126 ft²
SmallerTypical 1,372 ft²Bigger

Bigger than 87% of homes nearby

Lot size0.4 ac
SmallerTypical 1.15 acBigger

Bigger than 20% of homes nearby

Year built1862
OlderTypical 1971Newer

Newer than 4% of homes nearby

How 186 State Route 49 ranks against every home in each area.
MeasureThis homeCleveland 13042Oswego County
Estimated valuepricier than$293,77171% of homes86% of homes
Price per ft²pricier than$13840% of homes65% of homes
Living areabigger than2,126 ft²87% of homes85% of homes
Lot sizebigger than0.4 ac20% of homes28% of homes
Year builtnewer than18624% of homes5% of homes

About 186 State Route 49

How much is 186 State Route 49, Cleveland, NY worth?

The TopHap Estimate for 186 State Route 49, Cleveland, NY is $293,771 as of Jul 14, 2026. The likely range is $256,984 to $330,558. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 186 State Route 49, Cleveland, NY last sell?

186 State Route 49, Cleveland, NY last sold on May 26, 2026 for $288,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 186 State Route 49, Cleveland, NY?

186 State Route 49, Cleveland, NY has 4 bedrooms, 1.5 bathrooms, 2,126 square feet of living space and a 0.40-acre lot.

When was 186 State Route 49, Cleveland, NY built?

186 State Route 49, Cleveland, NY was built in 1862, making it 164 years old. It is a traditional/old home. The building has 2 stories.

What schools serve 186 State Route 49, Cleveland, NY?

186 State Route 49, Cleveland, NY is assigned to Aura A. Cole Elementary School (elementary), rated C-; 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 186 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 71% of them ($293,771 against a typical $223,111), its price per square foot is higher than 40% of them ($138 against a typical $154), it is bigger than 87% of them (2,126 ft² against a typical 1,372 ft²), its lot is bigger than 20% of them (0.4 ac against a typical 1.15 ac) and it is newer than 4% of them (1862 against a typical 1971). Measured against all of Oswego County, it is worth more than 86% 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 186 State Route 49, Cleveland, NY?

The 2025 property tax bill for 186 State Route 49, Cleveland, NY was $4,952. The county assessed it at $137,774.

Closest homes

More homes in Cleveland 13042

Assigned schools

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