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Single Family ResidenceResidential
$150,162
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 80How 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 $90,425 on Jan 25, 2021

20540 ROUTE 14

TROY, PA 16947
4
Beds
5 / 1
Baths
1.03 ac
Lot SizeThe size of the land the home sits on, from county records.
1920
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

$150K
$120K low$180K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$90,425 · Jan 25, 2021
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.$77,822
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$62,258
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.55%
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.$72,340
CITIZENS & NORTHERN BANK · 3.87% 1 · recorded Jan 25, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,303 (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.$21,500 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$21,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$42,990

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.145 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.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.Conventional
CountyBradford
Lot (acres)The size of the land the home sits on, from county records.1.03
HeatingThe type of heating system in the home.None
PoolWhether the property has a pool, and what kind, such as in-ground.No

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
W R. Croman Primary School
Elementary · Grades KG–2 · 0.4 mi
M
Troy Jr. / Sr. High School SchoolB-
Middle · Grades 7–12 · 1.1 mi

District: Troy Area School District

Neighborhood · ZIP 16947These 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.135
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.100
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.32

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.13%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.17%
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.4,555
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.$58,982
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$71,435
Average tempThe average temperature here across a full year.46°F
Annual precipHow much rain and melted snow falls here in a typical year.38 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.51%

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

20540 Route 14 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 77% of homes in Troy 16947
  • Older than 68% of homes in Troy 16947

What homes are worth in Troy 16947

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

This home
$62K$687K

This home is worth more than 23% of homes in Troy 16947.

How it measures up in Troy 16947

The dot is this home. The mark in the middle is the typical home in Troy 16947.

Estimated value$150,162
CheaperTypical $213,629Pricier

Pricier than 23% of homes nearby

Lot size1.03 ac
SmallerTypical 1.58 acBigger

Bigger than 44% of homes nearby

Year built1920
OlderTypical 1969Newer

Newer than 32% of homes nearby

How 20540 Route 14 ranks against every home in each area.
MeasureThis homeTroy 16947Bradford County
Estimated valuepricier than$150,16223% of homes25% of homes
Lot sizebigger than1.03 ac44% of homes52% of homes
Year builtnewer than192032% of homes35% of homes

About 20540 Route 14

How much is 20540 Route 14, Troy, PA worth?

The TopHap Estimate for 20540 Route 14, Troy, PA is $150,162 as of Jul 14, 2026. The likely range is $120,001 to $180,323. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20540 Route 14, Troy, PA last sell?

20540 Route 14, Troy, PA last sold on Jan 25, 2021 for $90,425, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 20540 Route 14, Troy, PA?

20540 Route 14, Troy, PA has 4 bedrooms, 5 bathrooms and a 1.03-acre lot.

When was 20540 Route 14, Troy, PA built?

20540 Route 14, Troy, PA was built in 1920, making it 106 years old. It is a conventional home. The building has 2 stories.

What schools serve 20540 Route 14, Troy, PA?

20540 Route 14, Troy, PA is assigned to W R. Croman Primary School (elementary); Troy Jr. / Sr. High School School (middle), rated B-. All sit in Troy Area School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 20540 Route 14, Troy, PA compare to other homes in Troy 16947?

Among the 2,087 homes in Troy 16947, it is worth more than 23% of them ($150,162 against a typical $213,629), its lot is bigger than 44% of them (1.03 ac against a typical 1.58 ac) and it is newer than 32% of them (1920 against a typical 1969). Measured against all of Bradford County, it is worth more than 25% 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 20540 Route 14, Troy, PA?

The 2025 property tax bill for 20540 Route 14, Troy, PA was $1,303. The county assessed it at $21,500.

Closest homes

More homes in Troy 16947

Assigned schools

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