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Rural ResidenceResidential
$413,868$341 / 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 92How 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 $170,000 on Nov 23, 2015

196 RUFF RD

ANDES, NY 13731
3
Beds
2
Baths
1,215 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.
10.5 ac
Lot SizeThe size of the land the home sits on, from county records.
1989
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.

Valuation

$414K
$382K low$446K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$170,000 · Nov 23, 2015
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.$413,868
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$331,094

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,088 (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.$230,300 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$48,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$181,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$230,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$307,067

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.61
97
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
16
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
53
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
93
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
50
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.97 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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.Ranch
CountyDelaware
Lot (acres)The size of the land the home sits on, from county records.10.50
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, 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 · 460 ft²

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.

E
Andes Central SchoolB
Elementary · Grades PK–12 · 1.2 mi

District: Andes Central School District

Neighborhood · ZIP 13731These 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.143
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.96
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.46

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.47%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.21%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.0%
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.985
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.10 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$78,227
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$95,205
Average tempThe average temperature here across a full year.43°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.49%

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

196 Ruff Rd 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 78% of homes in Delaware County
  • Costs more per square foot than 88% of homes in Delaware County
  • Smaller than 65% of homes in Delaware County
  • Has a bigger lot than 75% of homes in Delaware County
  • Newer than 78% of homes in Andes 13731

What homes are worth in Andes 13731

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

This home
$164K$1.3M

This home is worth more than 48% of homes in Andes 13731.

How it measures up in Andes 13731

The dot is this home. The mark in the middle is the typical home in Andes 13731.

Estimated value$413,868
CheaperTypical $424,023Pricier

Pricier than 48% of homes nearby

Price per ft²$341
CheaperTypical $279Pricier

Pricier than 73% of homes nearby

Living area1,215 ft²
SmallerTypical 1,378 ft²Bigger

Bigger than 40% of homes nearby

Lot size10.5 ac
SmallerTypical 5.97 acBigger

Bigger than 66% of homes nearby

Year built1989
OlderTypical 1975Newer

Newer than 78% of homes nearby

How 196 Ruff Rd ranks against every home in each area.
MeasureThis homeAndes 13731Delaware County
Estimated valuepricier than$413,86848% of homes78% of homes
Price per ft²pricier than$34173% of homes88% of homes
Living areabigger than1,215 ft²40% of homes35% of homes
Lot sizebigger than10.5 ac66% of homes75% of homes
Year builtnewer than198978% of homes78% of homes

About 196 Ruff Rd

How much is 196 Ruff Rd, Andes, NY worth?

The TopHap Estimate for 196 Ruff Rd, Andes, NY is $413,868 as of Jul 14, 2026. The likely range is $382,095 to $445,641. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 196 Ruff Rd, Andes, NY last sell?

196 Ruff Rd, Andes, NY last sold on Nov 23, 2015 for $170,000, according to the county's recorded deed.

How big is 196 Ruff Rd, Andes, NY?

196 Ruff Rd, Andes, NY has 3 bedrooms, 2 bathrooms, 1,215 square feet of living space and a 10.50-acre lot.

When was 196 Ruff Rd, Andes, NY built?

196 Ruff Rd, Andes, NY was built in 1989, making it 37 years old. It is a ranch home. The building has 1 story.

What schools serve 196 Ruff Rd, Andes, NY?

196 Ruff Rd, Andes, NY is assigned to Andes Central School (elementary), rated B. All sit in Andes Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 196 Ruff Rd, Andes, NY compare to other homes in Andes 13731?

Among the 1,241 homes in Andes 13731, it is worth more than 48% of them ($413,868 against a typical $424,023), its price per square foot is higher than 73% of them ($341 against a typical $279), it is bigger than 40% of them (1,215 ft² against a typical 1,378 ft²), its lot is bigger than 66% of them (10.5 ac against a typical 5.97 ac) and it is newer than 78% of them (1989 against a typical 1975). Measured against all of Delaware County, it is worth more than 78% 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 196 Ruff Rd, Andes, NY?

The 2024 property tax bill for 196 Ruff Rd, Andes, NY was $2,088. The county assessed it at $230,300.

More homes on Ruff Rd

Closest homes

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Assigned schools

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