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Single Family ResidenceResidential
$62,700$72 / 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 $55,000 on Nov 14, 2013

195 S WATER ST

RURAL VALLEY, PA 16249
3
Beds
1
Baths
874 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.
0.53 ac
Lot SizeThe size of the land the home sits on, from county records.
1890
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$63K
$55K low$71K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$55,000 · Nov 14, 2013
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.$62,700
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$50,160

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,243 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$12,950 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$7,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$5,950
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$37,000

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.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.Colonial
CountyARMSTRONG
Lot (acres)The size of the land the home sits on, from county records.0.53
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, Basement
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.Porch · 184 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
Shannock Valley Elementary SchoolC
Elementary · Grades KG–6 · 0.6 mi
M
West Shamokin Junior-Senior High SchoolB
Middle · Grades 7–12 · 2.7 mi

District: Armstrong School District

Neighborhood · ZIP 16249These 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.75
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.93
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.30

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.91%
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.6.5%
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.2,373
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.73 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$70,200
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$83,718
Average tempThe average temperature here across a full year.49°F
Annual precipHow much rain and melted snow falls here in a typical year.43 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.45%

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

195 S Water 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 96% of homes in Rural Valley 16249
  • Costs less per square foot than 77% of homes in Rural Valley 16249
  • Smaller than 96% of homes in Rural Valley 16249
  • Older than 90% of homes in Armstrong County

What homes are worth in Rural Valley 16249

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

This home
$58K$403K

This home is worth more than 4% of homes in Rural Valley 16249.

How it measures up in Rural Valley 16249

The dot is this home. The mark in the middle is the typical home in Rural Valley 16249.

Estimated value$62,700
CheaperTypical $153,423Pricier

Pricier than 4% of homes nearby

Price per ft²$72
CheaperTypical $109Pricier

Pricier than 23% of homes nearby

Living area874 ft²
SmallerTypical 1,494 ft²Bigger

Bigger than 4% of homes nearby

Lot size0.53 ac
SmallerTypical 1.11 acBigger

Bigger than 36% of homes nearby

Year built1890
OlderTypical 1959Newer

Newer than 11% of homes nearby

How 195 S Water St ranks against every home in each area.
MeasureThis homeRural Valley 16249Armstrong County
Estimated valuepricier than$62,7004% of homes9% of homes
Price per ft²pricier than$7223% of homes27% of homes
Living areabigger than874 ft²4% of homes7% of homes
Lot sizebigger than0.53 ac36% of homes45% of homes
Year builtnewer than189011% of homes10% of homes

About 195 S Water St

How much is 195 S Water St, Rural Valley, PA worth?

The TopHap Estimate for 195 S Water St, Rural Valley, PA is $62,700 as of Jul 14, 2026. The likely range is $54,609 to $70,791. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 195 S Water St, Rural Valley, PA last sell?

195 S Water St, Rural Valley, PA last sold on Nov 14, 2013 for $55,000, according to the county's recorded deed.

How big is 195 S Water St, Rural Valley, PA?

195 S Water St, Rural Valley, PA has 3 bedrooms, 1 bathrooms, 874 square feet of living space and a 0.53-acre lot.

When was 195 S Water St, Rural Valley, PA built?

195 S Water St, Rural Valley, PA was built in 1890, making it 136 years old. It is a colonial home. The building has 1 story.

What schools serve 195 S Water St, Rural Valley, PA?

195 S Water St, Rural Valley, PA is assigned to Shannock Valley Elementary School (elementary), rated C; West Shamokin Junior-Senior High School (middle), rated B. All sit in Armstrong School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 195 S Water St, Rural Valley, PA compare to other homes in Rural Valley 16249?

Among the 871 homes in Rural Valley 16249, it is worth more than 4% of them ($62,700 against a typical $153,423), its price per square foot is higher than 23% of them ($72 against a typical $109), it is bigger than 4% of them (874 ft² against a typical 1,494 ft²), its lot is bigger than 36% of them (0.53 ac against a typical 1.11 ac) and it is newer than 11% of them (1890 against a typical 1959). Measured against all of Armstrong County, it is worth more than 9% 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 195 S Water St, Rural Valley, PA?

The 2026 property tax bill for 195 S Water St, Rural Valley, PA was $1,243. The county assessed it at $12,950.

Closest homes

More homes in Rural Valley 16249

Assigned schools

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