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Single Family ResidenceResidential
$243,727$152 / 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 89How 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

346 ROUTE 38

HARFORD, NY 13784
1
Beds
2 / 1
Baths
1,600 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.
3 ac
Lot SizeThe size of the land the home sits on, from county records.
2010
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
4
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$244K
$218K low$270K 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.$163,727
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$130,982
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.31%
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.$80,000
TOMPKINS TRUST CO · R · recorded Mar 11, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,637 (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.$200,000 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$18,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$181,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$200,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$235,294

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.96 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.Ranch
CountyCortland
Lot (acres)The size of the land the home sits on, from county records.3.00
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Mat/Raft Foundation (Slab)
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

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

E
Dryden Elementary SchoolC+
Elementary · Grades PK–5 · 5.8 mi
M
Dryden Middle SchoolB
Middle · Grades 6–8 · 7.0 mi
H
Dryden High SchoolB+
High · Grades 9–12 · 7.0 mi

District: Dryden Central School District

Neighborhood · ZIP 13784These 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.81
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.90
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.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.10%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.13%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.39
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.37 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$69,531
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$80,768
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
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

346 Route 38 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 92% of homes in Harford 13784
  • Costs more per square foot than 91% of homes in Harford 13784
  • Bigger than 66% of homes in Harford 13784
  • Has a bigger lot than 76% of homes in Cortland County
  • Newer than 98% of homes in Harford 13784

What homes are worth in Harford 13784

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

This home
$63K$300K

This home is worth more than 92% of homes in Harford 13784.

How it measures up in Harford 13784

The dot is this home. The mark in the middle is the typical home in Harford 13784.

Estimated value$243,727
CheaperTypical $145,217Pricier

Pricier than 92% of homes nearby

Price per ft²$152
CheaperTypical $102Pricier

Pricier than 91% of homes nearby

Living area1,600 ft²
SmallerTypical 1,366 ft²Bigger

Bigger than 66% of homes nearby

Lot size3 ac
SmallerTypical 1.54 acBigger

Bigger than 67% of homes nearby

Year built2010
OlderTypical 1954Newer

Newer than 98% of homes nearby

How 346 Route 38 ranks against every home in each area.
MeasureThis homeHarford 13784Cortland County
Estimated valuepricier than$243,72792% of homes73% of homes
Price per ft²pricier than$15291% of homes69% of homes
Living areabigger than1,600 ft²66% of homes53% of homes
Lot sizebigger than3 ac67% of homes76% of homes
Year builtnewer than201098% of homes96% of homes

About 346 Route 38

How much is 346 Route 38, Harford, NY worth?

The TopHap Estimate for 346 Route 38, Harford, NY is $243,727 as of Jul 14, 2026. The likely range is $217,777 to $269,677. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 346 Route 38, Harford, NY last sell?

346 Route 38, Harford, NY last sold on Feb 11, 2014, according to the county's recorded deed.

How big is 346 Route 38, Harford, NY?

346 Route 38, Harford, NY has 1 bedrooms, 2 bathrooms, 1,600 square feet of living space and a 3.00-acre lot.

When was 346 Route 38, Harford, NY built?

346 Route 38, Harford, NY was built in 2010, making it 16 years old. It is a ranch home. The building has 1 story.

What schools serve 346 Route 38, Harford, NY?

346 Route 38, Harford, NY is assigned to Dryden Elementary School (elementary), rated C+; Dryden Middle School (middle), rated B; Dryden High School (high), rated B+. All sit in Dryden Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 346 Route 38, Harford, NY compare to other homes in Harford 13784?

Among the 189 homes in Harford 13784, it is worth more than 92% of them ($243,727 against a typical $145,217), its price per square foot is higher than 91% of them ($152 against a typical $102), it is bigger than 66% of them (1,600 ft² against a typical 1,366 ft²), its lot is bigger than 67% of them (3 ac against a typical 1.54 ac) and it is newer than 98% of them (2010 against a typical 1954). Measured against all of Cortland County, it is worth more than 73% 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 346 Route 38, Harford, NY?

The 2024 property tax bill for 346 Route 38, Harford, NY was $3,637. The county assessed it at $200,000.

Closest homes

More homes in Harford 13784

Assigned schools

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