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Single Family ResidentialResidential
$72,872$53 / 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 75How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026

38 WATER ST

LUDLOW, PA 16333
0
Baths
1,368 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.
0.25 ac
Lot SizeThe size of the land the home sits on, from county records.
1920
Year BuiltThe year the home was originally built, according to county records.

Valuation

$73K
$54K low$91K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$782 (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.$21,590 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$5,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$16,590
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$21,590
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$21,590

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 Residential
CountyMcKean
Lot (acres)The size of the land the home sits on, from county records.0.25

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

E
Kane Area Elementary SchoolC+
Elementary · Grades KG–5 · 8.8 mi
M
Kane Area Middle SchoolC-
Middle · Grades 6–8 · 8.8 mi
H
Kane Area High SchoolB-
High · Grades 9–12 · 9.3 mi

District: Kane Area School District

Neighborhood · ZIP 16333These 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.154
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.89
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.28

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.66%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.7.5%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.1%
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.0
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.8 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$59,016
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$70,985
Average tempThe average temperature here across a full year.44°F
Annual precipHow much rain and melted snow falls here in a typical year.45 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.45%

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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

38 Water 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 less than 79% of homes in McKean County
  • Costs less per square foot than 80% of homes in McKean County
  • Has a smaller lot than 69% of homes in Ludlow 16333
  • Older than 73% of homes in McKean County

What homes are worth in Ludlow 16333

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

This home
$37K$370K

This home is worth more than 36% of homes in Ludlow 16333.

How it measures up in Ludlow 16333

The dot is this home. The mark in the middle is the typical home in Ludlow 16333.

Estimated value$72,872
CheaperTypical $84,490Pricier

Pricier than 36% of homes nearby

Price per ft²$53
CheaperTypical $60Pricier

Pricier than 31% of homes nearby

Living area1,368 ft²
SmallerTypical 1,293 ft²Bigger

Bigger than 61% of homes nearby

Lot size0.25 ac
SmallerTypical 0.35 acBigger

Bigger than 31% of homes nearby

Year built1920
OlderTypical 1920Newer

Newer than 70% of homes nearby

How 38 Water St ranks against every home in each area.
MeasureThis homeLudlow 16333McKean County
Estimated valuepricier than$72,87236% of homes21% of homes
Price per ft²pricier than$5331% of homes20% of homes
Living areabigger than1,368 ft²61% of homes53% of homes
Lot sizebigger than0.25 ac31% of homes31% of homes
Year builtnewer than192070% of homes27% of homes

About 38 Water St

How much is 38 Water St, Ludlow, PA worth?

The TopHap Estimate for 38 Water St, Ludlow, PA is $72,872 as of Oct 21, 2026. The likely range is $54,430 to $91,314. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 38 Water St, Ludlow, PA last sell?

38 Water St, Ludlow, PA last sold on Dec 12, 2014, according to the county's recorded deed.

How big is 38 Water St, Ludlow, PA?

38 Water St, Ludlow, PA has 1,368 square feet of living space and a 0.25-acre lot.

When was 38 Water St, Ludlow, PA built?

38 Water St, Ludlow, PA was built in 1920, making it 106 years old.

What schools serve 38 Water St, Ludlow, PA?

38 Water St, Ludlow, PA is assigned to Kane Area Elementary School (elementary), rated C+; Kane Area Middle School (middle), rated C-; Kane Area High School (high), rated B-. All sit in Kane Area School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 38 Water St, Ludlow, PA compare to other homes in Ludlow 16333?

Among the 178 homes in Ludlow 16333, it is worth more than 36% of them ($72,872 against a typical $84,490), its price per square foot is higher than 31% of them ($53 against a typical $60), it is bigger than 61% of them (1,368 ft² against a typical 1,293 ft²), its lot is bigger than 31% of them (0.25 ac against a typical 0.35 ac) and it is newer than 70% of them (1920 against a typical 1920). Measured against all of McKean County, it is worth more than 21% 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 38 Water St, Ludlow, PA?

The 2025 property tax bill for 38 Water St, Ludlow, PA was $782. The county assessed it at $21,590.

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