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Single Family ResidenceResidential
$91,061$105 / 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 84How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

395 COUNTY ROUTE 20

OSWEGO, NY 13126
2
Beds
2 / 1
Baths
864 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.
1.14 ac
Lot SizeThe size of the land the home sits on, from county records.
1995
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

$91K
$76K low$106K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,952 (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.$81,100 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$24,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$57,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$81,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$132,951

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.35
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
15
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
54
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
85
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
21
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
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.Modular
CountyOswego
Lot (acres)The size of the land the home sits on, from county records.1.14
HeatingThe type of heating system in the home.Electric
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
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 · 144 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.

M
Oswego Middle SchoolC
Middle · Grades 7–8 · 2.1 mi
H
Oswego High SchoolC-
High · Grades 9–12 · 2.6 mi
E
Minetto Elementary SchoolC
Elementary · Grades PK–6 · 3.6 mi

District: Oswego City School District

Neighborhood · ZIP 13126These 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.93
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.92
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.44

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.88%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.19%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.17%
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.35,399
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.321 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$68,623
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$86,556
Average tempThe average temperature here across a full year.47°F
Annual precipHow much rain and melted snow falls here in a typical year.42 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.46%

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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

395 County Route 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.

  • Worth less than 91% of homes in Oswego County
  • Smaller than 94% of homes in Oswego 13126
  • Has a bigger lot than 70% of homes in Oswego 13126
  • Newer than 90% of homes in Oswego 13126

What homes are worth in Oswego 13126

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

This home
$62K$431K

This home is worth more than 12% of homes in Oswego 13126.

How it measures up in Oswego 13126

The dot is this home. The mark in the middle is the typical home in Oswego 13126.

Estimated value$91,061
CheaperTypical $165,332Pricier

Pricier than 12% of homes nearby

Price per ft²$105
CheaperTypical $105Pricier

Pricier than 50% of homes nearby

Living area864 ft²
SmallerTypical 1,536 ft²Bigger

Bigger than 6% of homes nearby

Lot size1.14 ac
SmallerTypical 0.42 acBigger

Bigger than 70% of homes nearby

Year built1995
OlderTypical 1946Newer

Newer than 90% of homes nearby

How 395 County Route 20 ranks against every home in each area.
MeasureThis homeOswego 13126Oswego County
Estimated valuepricier than$91,06112% of homes9% of homes
Price per ft²pricier than$10550% of homes40% of homes
Living areabigger than864 ft²6% of homes10% of homes
Lot sizebigger than1.14 ac70% of homes51% of homes
Year builtnewer than199590% of homes83% of homes

About 395 County Route 20

How much is 395 County Route 20, Oswego, NY worth?

The TopHap Estimate for 395 County Route 20, Oswego, NY is $91,061 as of Sep 24, 2026. The likely range is $76,376 to $105,746. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 395 County Route 20, Oswego, NY?

395 County Route 20, Oswego, NY has 2 bedrooms, 2 bathrooms, 864 square feet of living space and a 1.14-acre lot.

When was 395 County Route 20, Oswego, NY built?

395 County Route 20, Oswego, NY was built in 1995, making it 31 years old. It is a modular home. The building has 1 story.

What schools serve 395 County Route 20, Oswego, NY?

395 County Route 20, Oswego, NY is assigned to Oswego Middle School (middle), rated C; Oswego High School (high), rated C-; Minetto Elementary School (elementary), rated C. All sit in Oswego City School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 395 County Route 20, Oswego, NY compare to other homes in Oswego 13126?

Among the 11,482 homes in Oswego 13126, it is worth more than 12% of them ($91,061 against a typical $165,332), its price per square foot is higher than 50% of them ($105 against a typical $105), it is bigger than 6% of them (864 ft² against a typical 1,536 ft²), its lot is bigger than 70% of them (1.14 ac against a typical 0.42 ac) and it is newer than 90% of them (1995 against a typical 1946). Measured against all of Oswego County, it is worth more than 9% 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 395 County Route 20, Oswego, NY?

The 2024 property tax bill for 395 County Route 20, Oswego, NY was $2,952. The county assessed it at $81,100.

More homes on County Route 20

Closest homes

More homes in Oswego 13126

Assigned schools

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