Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$201,278$158 / 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 90How 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

3644 US HIGHWAY 20

RICHFIELD SPRINGS, NY 13439
3
Beds
1
Baths
1,272 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.
1.08 ac
Lot SizeThe size of the land the home sits on, from county records.
1960
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$201K
$182K low$220K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,877 (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.$87,100 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$12,600
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$74,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$87,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$152,807

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
41
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
11
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
60
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
94
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
12
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.9 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.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountyOTSEGO
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1970
Lot (acres)The size of the land the home sits on, from county records.1.08
HeatingThe type of heating system in the home.Hot Water
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 324 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.

E
Richfield Springs Elementary SchoolB
Elementary · Grades PK–6 · 1.3 mi

District: Richfield Springs Central School District

Neighborhood · ZIP 13439These 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.111
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.81
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.53

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.72%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.17%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.18%
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.3,769
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.42 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$58,992
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$80,755
Average tempThe average temperature here across a full year.44°F
Annual precipHow much rain and melted snow falls here in a typical year.44 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.48%

Owner Tools

Do you own this home?
Claim this home

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

3644 Us Highway 20 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.

  • Smaller than 68% of homes in Otsego County

What homes are worth in Richfield Springs 13439

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

This home
$75K$757K

This home is worth more than 46% of homes in Richfield Springs 13439.

How it measures up in Richfield Springs 13439

The dot is this home. The mark in the middle is the typical home in Richfield Springs 13439.

Estimated value$201,278
CheaperTypical $212,624Pricier

Pricier than 46% of homes nearby

Price per ft²$158
CheaperTypical $132Pricier

Pricier than 63% of homes nearby

Living area1,272 ft²
SmallerTypical 1,512 ft²Bigger

Bigger than 35% of homes nearby

Lot size1.08 ac
SmallerTypical 1 acBigger

Bigger than 52% of homes nearby

Year built1960
OlderTypical 1957Newer

Newer than 53% of homes nearby

How 3644 Us Highway 20 ranks against every home in each area.
MeasureThis homeRichfield Springs 13439Otsego County
Estimated valuepricier than$201,27846% of homes44% of homes
Price per ft²pricier than$15863% of homes59% of homes
Living areabigger than1,272 ft²35% of homes32% of homes
Lot sizebigger than1.08 ac52% of homes46% of homes
Year builtnewer than196053% of homes52% of homes

About 3644 Us Highway 20

How much is 3644 Us Highway 20, Richfield Springs, NY worth?

The TopHap Estimate for 3644 Us Highway 20, Richfield Springs, NY is $201,278 as of Jul 14, 2026. The likely range is $182,103 to $220,453. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3644 Us Highway 20, Richfield Springs, NY last sell?

3644 Us Highway 20, Richfield Springs, NY last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 3644 Us Highway 20, Richfield Springs, NY?

3644 Us Highway 20, Richfield Springs, NY has 3 bedrooms, 1 bathrooms, 1,272 square feet of living space and a 1.08-acre lot.

When was 3644 Us Highway 20, Richfield Springs, NY built?

3644 Us Highway 20, Richfield Springs, NY was built in 1960, making it 66 years old. It is a ranch home. The building has 1 story.

What schools serve 3644 Us Highway 20, Richfield Springs, NY?

3644 Us Highway 20, Richfield Springs, NY is assigned to Richfield Springs Elementary School (elementary), rated B. All sit in Richfield Springs Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3644 Us Highway 20, Richfield Springs, NY compare to other homes in Richfield Springs 13439?

Among the 2,097 homes in Richfield Springs 13439, it is worth more than 46% of them ($201,278 against a typical $212,624), its price per square foot is higher than 63% of them ($158 against a typical $132), it is bigger than 35% of them (1,272 ft² against a typical 1,512 ft²), its lot is bigger than 52% of them (1.08 ac against a typical 1 ac) and it is newer than 53% of them (1960 against a typical 1957). Measured against all of Otsego County, it is worth more than 44% 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 3644 Us Highway 20, Richfield Springs, NY?

The 2025 property tax bill for 3644 Us Highway 20, Richfield Springs, NY was $1,877. The county assessed it at $87,100.

More homes on Us Highway 20

Closest homes

More homes in Richfield Springs 13439

Assigned schools

Explore the area

See this home in context

Open 3644 Us Highway 20 on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map