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Rural ResidenceResidential
$550,941$280 / 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 91How 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

395 RIVER RD

PUTNAM, CT 06260
3
Beds
2
Baths
1,970 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.
21 ac
Lot SizeThe size of the land the home sits on, from county records.
1999
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$551K
$500K low$602K 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.$480,941
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$384,753
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.12%
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.$70,000
PUTNAM BANK · recorded May 9, 2018

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,916 (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.$313,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$58,400
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$254,600
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$323,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$219,100

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.47
43
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
16
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.
93
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
32
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.10 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.Rural Residence
StyleThe architectural style of the home, such as ranch or colonial.Cape Cod
CountyNORTHEASTERN CONNECTICUT
Lot (acres)The size of the land the home sits on, from county records.21.00
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Hot Water
PoolWhether the property has a pool, and what kind, such as in-ground.No

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.

H
Putnam High SchoolB-
High · Grades 9–12 · 2.9 mi
E
Putnam Elementary SchoolC
Elementary · Grades PK–4 · 3.1 mi
M
Putnam Middle SchoolC+
Middle · Grades 5–8 · 3.2 mi

District: Putnam School District

Neighborhood · ZIP 06260These 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.150
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.107
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.60

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.94%
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.11%
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.9,441
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.472 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$66,120
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$82,210
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.51 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.56%

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

395 River Rd 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 94% of homes in Putnam 06260
  • Costs more per square foot than 75% of homes in Putnam 06260
  • Bigger than 73% of homes in Northeastern Connecticut County
  • Among the largest lots in Putnam 06260
  • Newer than 84% of homes in Putnam 06260

What homes are worth in Putnam 06260

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

This home
$204K$637K

This home is worth more than 94% of homes in Putnam 06260.

How it measures up in Putnam 06260

The dot is this home. The mark in the middle is the typical home in Putnam 06260.

Estimated value$550,941
CheaperTypical $344,860Pricier

Pricier than 94% of homes nearby

Price per ft²$280
CheaperTypical $236Pricier

Pricier than 75% of homes nearby

Living area1,970 ft²
SmallerTypical 1,583 ft²Bigger

Bigger than 72% of homes nearby

Lot size21 ac
SmallerTypical 0.45 acBigger

Bigger than almost all homes nearby

Year built1999
OlderTypical 1962Newer

Newer than 84% of homes nearby

How 395 River Rd ranks against every home in each area.
MeasureThis homePutnam 06260Northeastern Connecticut County
Estimated valuepricier than$550,94194% of homes88% of homes
Price per ft²pricier than$28075% of homes59% of homes
Living areabigger than1,970 ft²72% of homes73% of homes
Lot sizebigger than21 acalmost all homes96% of homes
Year builtnewer than199984% of homes81% of homes

About 395 River Rd

How much is 395 River Rd, Putnam, CT worth?

The TopHap Estimate for 395 River Rd, Putnam, CT is $550,941 as of Jul 14, 2026. The likely range is $499,564 to $602,318. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 395 River Rd, Putnam, CT last sell?

395 River Rd, Putnam, CT last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 395 River Rd, Putnam, CT?

395 River Rd, Putnam, CT has 3 bedrooms, 2 bathrooms, 1,970 square feet of living space and a 21.00-acre lot.

When was 395 River Rd, Putnam, CT built?

395 River Rd, Putnam, CT was built in 1999, making it 27 years old. It is a cape cod home. The building has 2 stories.

What schools serve 395 River Rd, Putnam, CT?

395 River Rd, Putnam, CT is assigned to Putnam High School (high), rated B-; Putnam Elementary School (elementary), rated C; Putnam Middle School (middle), rated C+. All sit in Putnam School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 395 River Rd, Putnam, CT compare to other homes in Putnam 06260?

Among the 2,866 homes in Putnam 06260, it is worth more than 94% of them ($550,941 against a typical $344,860), its price per square foot is higher than 75% of them ($280 against a typical $236), it is bigger than 72% of them (1,970 ft² against a typical 1,583 ft²), its lot is bigger than almost all of them (21 ac against a typical 0.45 ac) and it is newer than 84% of them (1999 against a typical 1962). Measured against all of Northeastern Connecticut County, it is worth more than 88% 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 River Rd, Putnam, CT?

The 2025 property tax bill for 395 River Rd, Putnam, CT was $5,916. The county assessed it at $313,000.

Closest homes

More homes in Putnam 06260

Assigned schools

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