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Single Family ResidenceResidential
$170,193$85 / 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 $163,000 on Jun 23, 2025

321 RUTGER ST

UTICA, NY 13501
3
Beds
1
Baths
1,994 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.
2,880 ft²
Lot SizeThe size of the land the home sits on, from county records.
1880
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$170K
$144K low$196K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$163,000 · Jun 23, 2025
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.$34,903
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$27,922
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.79%
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.$135,290
KEY BANK NA · P · recorded Jun 23, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$470 (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.$35,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$2,900
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$32,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$35,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$94,600

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
CountyONEIDA
Lot (acres)The size of the land the home sits on, from county records.0.07
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(4)

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.

H
Thomas R Proctor High SchoolD+
High · Grades 9–12 · 1.2 mi
E
Christopher Columbus Elementary SchoolC+
Elementary · Grades KG–6 · 1.2 mi
M
John F Kennedy Middle SchoolB-
Middle · Grades 7–8 · 2.2 mi

District: Utica City School District

Neighborhood · ZIP 13501These 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.125
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.84
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.45

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.91%
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.26%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.39,660
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.4,507 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$53,176
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$67,901
Average tempThe average temperature here across a full year.46°F
Annual precipHow much rain and melted snow falls here in a typical year.43 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.46%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
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

321 Rutger 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 more than 86% of homes in Cornhill
  • Costs less per square foot than 90% of homes in Oneida County
  • Bigger than 71% of homes in Oneida County
  • Has a smaller lot than 98% of homes in Oneida County
  • Older than 94% of homes in Utica 13501

What homes are worth in Utica 13501

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

This home
$75K$419K

This home is worth more than 35% of homes in Utica 13501.

How it measures up in Utica 13501

The dot is this home. The mark in the middle is the typical home in Utica 13501.

Estimated value$170,193
CheaperTypical $194,929Pricier

Pricier than 35% of homes nearby

Price per ft²$85
CheaperTypical $126Pricier

Pricier than 20% of homes nearby

Living area1,994 ft²
SmallerTypical 1,942 ft²Bigger

Bigger than 52% of homes nearby

Lot size2,880 ft²
SmallerTypical 0.13 acBigger

Bigger than 4% of homes nearby

Year built1880
OlderTypical 1925Newer

Newer than 6% of homes nearby

How 321 Rutger St ranks against every home in each area.
MeasureThis homeCornhillUtica 13501Oneida County
Estimated valuepricier than$170,19386% of homes35% of homes24% of homes
Price per ft²pricier than$8562% of homes20% of homes10% of homes
Living areabigger than1,994 ft²43% of homes52% of homes71% of homes
Lot sizebigger than2,880 ft²6% of homes4% of homes2% of homes
Year builtnewer than188014% of homes6% of homes8% of homes

About 321 Rutger St

How much is 321 Rutger St, Utica, NY worth?

The TopHap Estimate for 321 Rutger St, Utica, NY is $170,193 as of Jul 14, 2026. The likely range is $144,162 to $196,224. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 321 Rutger St, Utica, NY last sell?

321 Rutger St, Utica, NY last sold on Jun 23, 2025 for $163,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 321 Rutger St, Utica, NY?

321 Rutger St, Utica, NY has 3 bedrooms, 1 bathrooms, 1,994 square feet of living space and a 0.07-acre lot.

When was 321 Rutger St, Utica, NY built?

321 Rutger St, Utica, NY was built in 1880, making it 146 years old. It is a traditional/old home. The building has 2 stories.

What schools serve 321 Rutger St, Utica, NY?

321 Rutger St, Utica, NY is assigned to Thomas R Proctor High School (high), rated D+; Christopher Columbus Elementary School (elementary), rated C+; John F Kennedy Middle School (middle), rated B-. All sit in Utica City School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 321 Rutger St, Utica, NY compare to other homes in Utica 13501?

Among the 9,230 homes in Utica 13501, it is worth more than 35% of them ($170,193 against a typical $194,929), its price per square foot is higher than 20% of them ($85 against a typical $126), it is bigger than 52% of them (1,994 ft² against a typical 1,942 ft²), its lot is bigger than 4% of them (2,880 ft² against a typical 0.13 ac) and it is newer than 6% of them (1880 against a typical 1925). Measured against all of Oneida County, it is worth more than 24% 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 321 Rutger St, Utica, NY?

The 2025 property tax bill for 321 Rutger St, Utica, NY was $470. The county assessed it at $35,000.

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Closest homes

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Assigned schools

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