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Single Family ResidenceResidential
$84,076$70 / 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 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

28 MILL ST

RICHFORD, NY 13835
2
Beds
1.5
Baths
1,197 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.
0.57 ac
Lot SizeThe size of the land the home sits on, from county records.
1900
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$84K
$67K low$101K 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.$44,076
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$35,261
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.47%
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.$40,000
CFCU COMMUNITY CREDIT UNION · recorded Sep 25, 2014

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,139 (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.$62,600 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$13,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$48,900
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$62,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$89,429

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.53
100
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
6
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
56
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
90
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
15
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.197 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.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Traditional/Old
CountyTIOGA
Lot (acres)The size of the land the home sits on, from county records.0.57
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.No

Foreclosure Filings(1)

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

H
Newark Valley Senior High SchoolB-
High · Grades 8–12 · 7.9 mi
M
Newark Valley Middle SchoolB-
Middle · Grades 4–7 · 8.5 mi
E
Nathan T Hall SchoolF
Elementary · Grades PK–3 · 8.5 mi

District: Newark Valley Central School District

Neighborhood · ZIP 13835These 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.148
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.94
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.86%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.9.7%
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.1,456
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.33 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$63,532
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$77,298
Average tempThe average temperature here across a full year.45°F
Annual precipHow much rain and melted snow falls here in a typical year.40 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

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

28 Mill 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 Tioga County
  • Costs less per square foot than 92% of homes in Tioga County
  • Smaller than 76% of homes in Tioga County
  • Has a smaller lot than 86% of homes in Richford 13835
  • Older than 80% of homes in Tioga County

What homes are worth in Richford 13835

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

This home
$56K$383K

This home is worth more than 7% of homes in Richford 13835.

How it measures up in Richford 13835

The dot is this home. The mark in the middle is the typical home in Richford 13835.

Estimated value$84,076
CheaperTypical $163,547Pricier

Pricier than 7% of homes nearby

Price per ft²$70
CheaperTypical $110Pricier

Pricier than 16% of homes nearby

Living area1,197 ft²
SmallerTypical 1,344 ft²Bigger

Bigger than 37% of homes nearby

Lot size0.57 ac
SmallerTypical 5 acBigger

Bigger than 14% of homes nearby

Year built1900
OlderTypical 1983Newer

Newer than 21% of homes nearby

How 28 Mill St ranks against every home in each area.
MeasureThis homeRichford 13835Tioga County
Estimated valuepricier than$84,0767% of homes4% of homes
Price per ft²pricier than$7016% of homes8% of homes
Living areabigger than1,197 ft²37% of homes24% of homes
Lot sizebigger than0.57 ac14% of homes36% of homes
Year builtnewer than190021% of homes20% of homes

About 28 Mill St

How much is 28 Mill St, Richford, NY worth?

The TopHap Estimate for 28 Mill St, Richford, NY is $84,076 as of Jul 14, 2026. The likely range is $67,232 to $100,920. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 28 Mill St, Richford, NY last sell?

28 Mill St, Richford, NY last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 28 Mill St, Richford, NY?

28 Mill St, Richford, NY has 2 bedrooms, 1.5 bathrooms, 1,197 square feet of living space and a 0.57-acre lot.

When was 28 Mill St, Richford, NY built?

28 Mill St, Richford, NY was built in 1900, making it 126 years old. It is a traditional/old home. The building has 2 stories.

What schools serve 28 Mill St, Richford, NY?

28 Mill St, Richford, NY is assigned to Newark Valley Senior High School (high), rated B-; Newark Valley Middle School (middle), rated B-; Nathan T Hall School (elementary), rated F. All sit in Newark Valley Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 28 Mill St, Richford, NY compare to other homes in Richford 13835?

Among the 668 homes in Richford 13835, it is worth more than 7% of them ($84,076 against a typical $163,547), its price per square foot is higher than 16% of them ($70 against a typical $110), it is bigger than 37% of them (1,197 ft² against a typical 1,344 ft²), its lot is bigger than 14% of them (0.57 ac against a typical 5 ac) and it is newer than 21% of them (1900 against a typical 1983). Measured against all of Tioga County, it is worth more than 4% 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 28 Mill St, Richford, NY?

The 2025 property tax bill for 28 Mill St, Richford, NY was $4,139. The county assessed it at $62,600.

Closest homes

More homes in Richford 13835

Assigned schools

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