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Single Family ResidenceResidential
$671,693$196 / 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 96How 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 $341,866 on Feb 4, 2005

281 SADDLE RIDGE RD

PORT MATILDA, PA 16870
4
Beds
3
Baths
3,429 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.
0.79 ac
Lot SizeThe size of the land the home sits on, from county records.
2004
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
9
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$672K
$647K low$696K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$341,866 · Feb 4, 2005
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.$197,193
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$157,754
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.74%
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.$267,500
WELLS FARGO BANK NA · recorded Jan 21, 2010
2nd 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.$207,000
RELIANCE SAVINGS BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$8,625 (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.$126,525 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$21,440
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$105,085
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$126,525
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$253,050

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.36
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
20
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
63
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
88
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
11
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
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
CountyCentre
Lot (acres)The size of the land the home sits on, from county records.0.79
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes

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
Gray's Woods ElementaryA-
Elementary · Grades KG–5 · 2.1 mi
M
Park Forest Middle SchoolA
Middle · Grades 6–8 · 4.0 mi
H
State College Area High SchoolA+
High · Grades 9–12 · 7.5 mi

District: State College Area School District

Neighborhood · ZIP 16870These 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.57
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 100.34

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.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.25%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.0%
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.6,655
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.92 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$111,238
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$171,014
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.41 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.57%

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

281 Saddle Ridge 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 93% of homes in Centre County
  • Costs less per square foot than 77% of homes in Port Matilda 16870
  • Bigger than 96% of homes in Centre County
  • Has a bigger lot than 70% of homes in Centre County
  • Newer than 83% of homes in Centre County

What homes are worth in Port Matilda 16870

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

This home
$133K$1.3M

This home is worth more than 81% of homes in Port Matilda 16870.

How it measures up in Port Matilda 16870

The dot is this home. The mark in the middle is the typical home in Port Matilda 16870.

Estimated value$671,693
CheaperTypical $440,386Pricier

Pricier than 81% of homes nearby

Price per ft²$196
CheaperTypical $227Pricier

Pricier than 23% of homes nearby

Living area3,429 ft²
SmallerTypical 1,904 ft²Bigger

Bigger than 91% of homes nearby

Lot size0.79 ac
SmallerTypical 1.09 acBigger

Bigger than 35% of homes nearby

Year built2004
OlderTypical 1994Newer

Newer than 76% of homes nearby

How 281 Saddle Ridge Rd ranks against every home in each area.
MeasureThis homePort Matilda 16870Centre County
Estimated valuepricier than$671,69381% of homes93% of homes
Price per ft²pricier than$19623% of homes37% of homes
Living areabigger than3,429 ft²91% of homes96% of homes
Lot sizebigger than0.79 ac35% of homes70% of homes
Year builtnewer than200476% of homes83% of homes

About 281 Saddle Ridge Rd

How much is 281 Saddle Ridge Rd, Port Matilda, PA worth?

The TopHap Estimate for 281 Saddle Ridge Rd, Port Matilda, PA is $671,693 as of Jul 14, 2026. The likely range is $647,339 to $696,047. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 281 Saddle Ridge Rd, Port Matilda, PA last sell?

281 Saddle Ridge Rd, Port Matilda, PA last sold on Feb 4, 2005 for $341,866, according to the county's recorded deed.

How big is 281 Saddle Ridge Rd, Port Matilda, PA?

281 Saddle Ridge Rd, Port Matilda, PA has 4 bedrooms, 3 bathrooms, 3,429 square feet of living space and a 0.79-acre lot.

When was 281 Saddle Ridge Rd, Port Matilda, PA built?

281 Saddle Ridge Rd, Port Matilda, PA was built in 2004, making it 22 years old. The building has 2 stories.

What schools serve 281 Saddle Ridge Rd, Port Matilda, PA?

281 Saddle Ridge Rd, Port Matilda, PA is assigned to Gray's Woods Elementary (elementary), rated A-; Park Forest Middle School (middle), rated A; State College Area High School (high), rated A+. All sit in State College Area School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 281 Saddle Ridge Rd, Port Matilda, PA compare to other homes in Port Matilda 16870?

Among the 3,004 homes in Port Matilda 16870, it is worth more than 81% of them ($671,693 against a typical $440,386), its price per square foot is higher than 23% of them ($196 against a typical $227), it is bigger than 91% of them (3,429 ft² against a typical 1,904 ft²), its lot is bigger than 35% of them (0.79 ac against a typical 1.09 ac) and it is newer than 76% of them (2004 against a typical 1994). Measured against all of Centre County, it is worth more than 93% 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 281 Saddle Ridge Rd, Port Matilda, PA?

The 2026 property tax bill for 281 Saddle Ridge Rd, Port Matilda, PA was $8,625. The county assessed it at $126,525.

Closest homes

More homes in Port Matilda 16870

Assigned schools

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