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Single Family ResidenceResidential
$207,145
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 69How 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

20 COTTAGE LN

RIDGWAY, PA 15853
3
Beds
1.5
Baths
0.56 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.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$207K
$142K low$272K 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.$99,145
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$79,316
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.59%
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.$108,000
CNB BANK · R · recorded Jun 21, 2016

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,572 (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.$43,600 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$8,950
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$34,650
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$43,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$87,200

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.Bi-Level
CountyELK
Lot (acres)The size of the land the home sits on, from county records.0.56
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Hot Water
CoolingThe type of cooling or air conditioning in the home.None
PoolWhether the property has a pool, and what kind, such as in-ground.No

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Ridgway Area High SchoolB
High · Grades 9–12 · 1.4 mi
M
Ridgway Area Middle SchoolB+
Middle · Grades 6–8 · 1.4 mi
E
Francis S. Grandinetti Elementary SchoolC
Elementary · Grades KG–5 · 2.5 mi

District: Ridgway Area School District

Neighborhood · ZIP 15853These 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.105
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.99
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.33

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.83%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.14%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.11%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.6,392
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.$62,009
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$73,999
Average tempThe average temperature here across a full year.46°F
Annual precipHow much rain and melted snow falls here in a typical year.45 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.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

20 Cottage 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.

  • Worth more than 92% of homes in Ridgway 15853
  • Newer than 78% of homes in Ridgway 15853

What homes are worth in Ridgway 15853

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

This home
$34K$301K

This home is worth more than 92% of homes in Ridgway 15853.

How it measures up in Ridgway 15853

The dot is this home. The mark in the middle is the typical home in Ridgway 15853.

Estimated value$207,145
CheaperTypical $82,851Pricier

Pricier than 92% of homes nearby

Lot size0.56 ac
SmallerTypical 0.33 acBigger

Bigger than 64% of homes nearby

Year built1970
OlderTypical 1948Newer

Newer than 78% of homes nearby

How 20 Cottage Ln ranks against every home in each area.
MeasureThis homeRidgway 15853Elk County
Estimated valuepricier than$207,14592% of homes79% of homes
Lot sizebigger than0.56 ac64% of homes52% of homes
Year builtnewer than197078% of homes66% of homes

About 20 Cottage Ln

How much is 20 Cottage Ln, Ridgway, PA worth?

The TopHap Estimate for 20 Cottage Ln, Ridgway, PA is $207,145 as of Jul 14, 2026. The likely range is $141,951 to $272,339. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20 Cottage Ln, Ridgway, PA last sell?

20 Cottage Ln, Ridgway, PA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 20 Cottage Ln, Ridgway, PA?

20 Cottage Ln, Ridgway, PA has 3 bedrooms, 1.5 bathrooms and a 0.56-acre lot.

When was 20 Cottage Ln, Ridgway, PA built?

20 Cottage Ln, Ridgway, PA was built in 1970, making it 56 years old. It is a bi-level home. The building has 2 stories.

What schools serve 20 Cottage Ln, Ridgway, PA?

20 Cottage Ln, Ridgway, PA is assigned to Ridgway Area High School (high), rated B; Ridgway Area Middle School (middle), rated B+; Francis S. Grandinetti Elementary School (elementary), rated C. All sit in Ridgway Area School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 20 Cottage Ln, Ridgway, PA compare to other homes in Ridgway 15853?

Among the 3,671 homes in Ridgway 15853, it is worth more than 92% of them ($207,145 against a typical $82,851), its lot is bigger than 64% of them (0.56 ac against a typical 0.33 ac) and it is newer than 78% of them (1970 against a typical 1948). Measured against all of Elk County, it is worth more than 79% 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 20 Cottage Ln, Ridgway, PA?

The 2026 property tax bill for 20 Cottage Ln, Ridgway, PA was $3,572. The county assessed it at $43,600.

Closest homes

More homes in Ridgway 15853

Assigned schools

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