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Single Family ResidenceResidential
$439,838$170 / 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 66How 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

3481 ROUTE 6

GAINES, PA 16921
3
Beds
4 / 2
Baths
2,594 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.
1.86 ac
Lot SizeThe size of the land the home sits on, from county records.
1998
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$440K
$292K low$588K 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.$299,838
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$239,870
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.37%
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.$140,000
CITIZENS & NORTHERN BANK · recorded Aug 16, 2024

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,236 (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.$224,950 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$23,320
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$201,630
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$224,950
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$224,950

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.197 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
CountyTioga
Lot (acres)The size of the land the home sits on, from county records.1.86
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.Hot Water
CoolingThe type of cooling or air conditioning in the home.None

Transaction History(2)

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
Galeton Area School
Elementary · Grades PK–12 · 7.2 mi

District: Galeton Area School District

Neighborhood · ZIP 16921These 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.181
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.98
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.37%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.8.9%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.0%
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.664
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.6 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$52,279
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$63,115
Average tempThe average temperature here across a full year.45°F
Annual precipHow much rain and melted snow falls here in a typical year.38 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.51%

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

3481 Route 6 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 91% of homes in Gaines 16921
  • Bigger than 96% of homes in Gaines 16921
  • Newer than 86% of homes in Gaines 16921

What homes are worth in Gaines 16921

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

This home
$75K$599K

This home is worth more than 91% of homes in Gaines 16921.

How it measures up in Gaines 16921

The dot is this home. The mark in the middle is the typical home in Gaines 16921.

Estimated value$439,838
CheaperTypical $226,495Pricier

Pricier than 91% of homes nearby

Price per ft²$170
CheaperTypical $180Pricier

Pricier than 45% of homes nearby

Living area2,594 ft²
SmallerTypical 1,092 ft²Bigger

Bigger than 96% of homes nearby

Lot size1.86 ac
SmallerTypical 2 acBigger

Bigger than 48% of homes nearby

Year built1998
OlderTypical 1965Newer

Newer than 86% of homes nearby

How 3481 Route 6 ranks against every home in each area.
MeasureThis homeGaines 16921Tioga County
Estimated valuepricier than$439,83891% of homes87% of homes
Price per ft²pricier than$17045% of homes58% of homes
Living areabigger than2,594 ft²96% of homes92% of homes
Lot sizebigger than1.86 ac48% of homes46% of homes
Year builtnewer than199886% of homes81% of homes

About 3481 Route 6

How much is 3481 Route 6, Gaines, PA worth?

The TopHap Estimate for 3481 Route 6, Gaines, PA is $439,838 as of Jul 14, 2026. The likely range is $291,941 to $587,735. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 3481 Route 6, Gaines, PA?

3481 Route 6, Gaines, PA has 3 bedrooms, 4 bathrooms, 2,594 square feet of living space and a 1.86-acre lot.

When was 3481 Route 6, Gaines, PA built?

3481 Route 6, Gaines, PA was built in 1998, making it 28 years old. The building has 2 stories.

What schools serve 3481 Route 6, Gaines, PA?

3481 Route 6, Gaines, PA is assigned to Galeton Area School (elementary). All sit in Galeton Area School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3481 Route 6, Gaines, PA compare to other homes in Gaines 16921?

Among the 707 homes in Gaines 16921, it is worth more than 91% of them ($439,838 against a typical $226,495), its price per square foot is higher than 45% of them ($170 against a typical $180), it is bigger than 96% of them (2,594 ft² against a typical 1,092 ft²), its lot is bigger than 48% of them (1.86 ac against a typical 2 ac) and it is newer than 86% of them (1998 against a typical 1965). Measured against all of Tioga County, it is worth more than 87% 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 3481 Route 6, Gaines, PA?

The 2026 property tax bill for 3481 Route 6, Gaines, PA was $3,236. The county assessed it at $224,950.

Closest homes

More homes in Gaines 16921

Assigned schools

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