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Single Family ResidenceResidential
$302,506$104 / 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 85How 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 $191,000 on Sep 21, 2009

312 RIVER RD

MOUNT UPTON, NY 13809
2 / 1
Baths
2,896 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.
5.03 ac
Lot SizeThe size of the land the home sits on, from county records.
1830
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$303K
$256K low$349K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$191,000 · Sep 21, 2009
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.$117,406
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$93,925
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.64%
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.$185,100
QUICKEN LNS · recorded Jan 10, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,908 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$110,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$13,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$96,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$110,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$268,293

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.43
39
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
7
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
59
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
86
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
28
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.8 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.0.2 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
CountyOtsego
Lot (acres)The size of the land the home sits on, from county records.5.03
HeatingThe type of heating system in the home.Forced Air
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 64 ft²

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.

M
Gilbertsville Mount Upton Junior Senior High SchoolC
Middle · Grades 7–12 · 4.4 mi
E
Gilbertsville-Mount Upton Elementary SchoolB-
Elementary · Grades PK–6 · 4.4 mi

District: Gilbertsville-Mount Upton Central School District

Neighborhood · ZIP 13809These 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.109
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.88
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.40

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.79%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.5.6%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.15%
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.1,519
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.49 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$57,653
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$85,972
Average tempThe average temperature here across a full year.45°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.49%

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

312 River 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 90% of homes in Mount Upton 13809
  • Costs less per square foot than 76% of homes in Otsego County
  • Bigger than 97% of homes in Mount Upton 13809
  • Has a bigger lot than 68% of homes in Otsego County
  • Older than 97% of homes in Otsego County

What homes are worth in Mount Upton 13809

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

This home
$57K$407K

This home is worth more than 90% of homes in Mount Upton 13809.

How it measures up in Mount Upton 13809

The dot is this home. The mark in the middle is the typical home in Mount Upton 13809.

Estimated value$302,506
CheaperTypical $154,167Pricier

Pricier than 90% of homes nearby

Price per ft²$104
CheaperTypical $104Pricier

Pricier than 51% of homes nearby

Living area2,896 ft²
SmallerTypical 1,404 ft²Bigger

Bigger than 97% of homes nearby

Lot size5.03 ac
SmallerTypical 2.3 acBigger

Bigger than 64% of homes nearby

Year built1830
OlderTypical 1969Newer

Newer than 4% of homes nearby

How 312 River Rd ranks against every home in each area.
MeasureThis homeMount Upton 13809Otsego County
Estimated valuepricier than$302,50690% of homes72% of homes
Price per ft²pricier than$10451% of homes24% of homes
Living areabigger than2,896 ft²97% of homes94% of homes
Lot sizebigger than5.03 ac64% of homes68% of homes
Year builtnewer than18304% of homes3% of homes

About 312 River Rd

How much is 312 River Rd, Mount Upton, NY worth?

The TopHap Estimate for 312 River Rd, Mount Upton, NY is $302,506 as of Jul 14, 2026. The likely range is $256,452 to $348,560. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 312 River Rd, Mount Upton, NY last sell?

312 River Rd, Mount Upton, NY last sold on Sep 21, 2009 for $191,000, according to the county's recorded deed.

How big is 312 River Rd, Mount Upton, NY?

312 River Rd, Mount Upton, NY has 2 bathrooms, 2,896 square feet of living space and a 5.03-acre lot.

When was 312 River Rd, Mount Upton, NY built?

312 River Rd, Mount Upton, NY was built in 1830, making it 196 years old. It is a traditional/old home. The building has 2 stories.

What schools serve 312 River Rd, Mount Upton, NY?

312 River Rd, Mount Upton, NY is assigned to Gilbertsville Mount Upton Junior Senior High School (middle), rated C; Gilbertsville-Mount Upton Elementary School (elementary), rated B-. All sit in Gilbertsville-Mount Upton Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 312 River Rd, Mount Upton, NY compare to other homes in Mount Upton 13809?

Among the 699 homes in Mount Upton 13809, it is worth more than 90% of them ($302,506 against a typical $154,167), its price per square foot is higher than 51% of them ($104 against a typical $104), it is bigger than 97% of them (2,896 ft² against a typical 1,404 ft²), its lot is bigger than 64% of them (5.03 ac against a typical 2.3 ac) and it is newer than 4% of them (1830 against a typical 1969). Measured against all of Otsego County, it is worth more than 72% 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 312 River Rd, Mount Upton, NY?

The 2024 property tax bill for 312 River Rd, Mount Upton, NY was $3,908. The county assessed it at $110,000.

Closest homes

More homes in Mount Upton 13809

Assigned schools

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