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Rural ResidenceResidential
$183,030$159 / 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 $9,850 on Feb 1, 1993

3091 ROUTE 646

GIFFORD, PA 16732
0
Baths
1,148 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.
11 ac
Lot SizeThe size of the land the home sits on, from county records.
1995
Year BuiltThe year the home was originally built, according to county records.

Valuation

$183K
$168K low$198K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$9,850 · Feb 1, 1993
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.$0
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$0
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.153%
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.$120,000
COUNTRYWIDE BANK FSB · 8.37% 1 · recorded Dec 15, 2006
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.$116,000
NORTHWEST SAVINGS BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,902 (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.$92,410 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$13,290
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$79,120
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$92,410
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$92,410

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.7 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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.Rural Residence
CountyMcKean
Lot (acres)The size of the land the home sits on, from county records.11.00

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

M
Smethport Area Jr.-Sr. High SchoolB
Middle · Grades 7–12 · 8.8 mi
E
Smethport Area Elementary SchoolB
Elementary · Grades PK–6 · 8.9 mi

District: Smethport Area School District

Neighborhood · ZIP 16732These 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.60
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.93
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.90%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.9.4%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.7%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.112
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.47 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$72,769
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$80,944
Average tempThe average temperature here across a full year.44°F
Annual precipHow much rain and melted snow falls here in a typical year.47 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

3091 Route 646 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 88% of homes in Gifford 16732
  • Costs more per square foot than 95% of homes in Gifford 16732
  • Smaller than 66% of homes in Gifford 16732
  • Has a bigger lot than 95% of homes in Gifford 16732
  • Newer than 89% of homes in McKean County

What homes are worth in Gifford 16732

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

This home
$47K$317K

This home is worth more than 88% of homes in Gifford 16732.

How it measures up in Gifford 16732

The dot is this home. The mark in the middle is the typical home in Gifford 16732.

Estimated value$183,030
CheaperTypical $113,058Pricier

Pricier than 88% of homes nearby

Price per ft²$159
CheaperTypical $93Pricier

Pricier than 95% of homes nearby

Living area1,148 ft²
SmallerTypical 1,272 ft²Bigger

Bigger than 34% of homes nearby

Lot size11 ac
SmallerTypical 0.67 acBigger

Bigger than 95% of homes nearby

Year built1995
OlderTypical 1962Newer

Newer than 86% of homes nearby

How 3091 Route 646 ranks against every home in each area.
MeasureThis homeGifford 16732McKean County
Estimated valuepricier than$183,03088% of homes78% of homes
Price per ft²pricier than$15995% of homes93% of homes
Living areabigger than1,148 ft²34% of homes34% of homes
Lot sizebigger than11 ac95% of homes90% of homes
Year builtnewer than199586% of homes89% of homes

About 3091 Route 646

How much is 3091 Route 646, Gifford, PA worth?

The TopHap Estimate for 3091 Route 646, Gifford, PA is $183,030 as of Jul 14, 2026. The likely range is $168,070 to $197,990. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3091 Route 646, Gifford, PA last sell?

3091 Route 646, Gifford, PA last sold on Feb 1, 1993 for $9,850, according to the county's recorded deed.

How big is 3091 Route 646, Gifford, PA?

3091 Route 646, Gifford, PA has 1,148 square feet of living space and a 11.00-acre lot.

When was 3091 Route 646, Gifford, PA built?

3091 Route 646, Gifford, PA was built in 1995, making it 31 years old.

What schools serve 3091 Route 646, Gifford, PA?

3091 Route 646, Gifford, PA is assigned to Smethport Area Jr.-Sr. High School (middle), rated B; Smethport Area Elementary School (elementary), rated B. All sit in Smethport Area School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3091 Route 646, Gifford, PA compare to other homes in Gifford 16732?

Among the 177 homes in Gifford 16732, it is worth more than 88% of them ($183,030 against a typical $113,058), its price per square foot is higher than 95% of them ($159 against a typical $93), it is bigger than 34% of them (1,148 ft² against a typical 1,272 ft²), its lot is bigger than 95% of them (11 ac against a typical 0.67 ac) and it is newer than 86% of them (1995 against a typical 1962). Measured against all of McKean 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 3091 Route 646, Gifford, PA?

The 2025 property tax bill for 3091 Route 646, Gifford, PA was $2,902. The county assessed it at $92,410.

Closest homes

More homes in Gifford 16732

Assigned schools

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