Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$299,732$157 / 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 93How 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

396 FLAT ROCK RD

PORT MATILDA, PA 16870
3
Beds
2 / 1
Baths
1,912 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.
1.84 ac
Lot SizeThe size of the land the home sits on, from county records.
1975
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$300K
$280K low$320K 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.$135,732
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$108,586
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.56%
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.$164,000
FIRST NATIONAL BANK OF PENNSYLVANIA · recorded Aug 1, 2019

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,598 (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.$49,465 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$8,885
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$40,580
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$49,465
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$98,930

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.51
88
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
14
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
56
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
88
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
11
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.41 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.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
CountyCentre
Lot (acres)The size of the land the home sits on, from county records.1.84
HeatingThe type of heating system in the home.Electric

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

E
Port Matilda Elementary SchoolB+
Elementary · Grades KG–5 · 3.1 mi
M
Bald Eagle Area Middle School/Sr High SchoolB-
Middle · Grades 6–12 · 17.2 mi

District: Bald Eagle Area School District

Neighborhood · ZIP 16870These 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.57
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.99
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.34

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.25%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.0%
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.6,655
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.92 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$111,238
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$171,014
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.41 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.57%

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

396 Flat Rock 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 less than 77% of homes in Port Matilda 16870
  • Costs less per square foot than 91% of homes in Port Matilda 16870
  • Has a bigger lot than 83% of homes in Centre County
  • Older than 78% of homes in Port Matilda 16870

What homes are worth in Port Matilda 16870

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

This home
$118K$1.2M

This home is worth more than 23% of homes in Port Matilda 16870.

How it measures up in Port Matilda 16870

The dot is this home. The mark in the middle is the typical home in Port Matilda 16870.

Estimated value$299,732
CheaperTypical $436,003Pricier

Pricier than 23% of homes nearby

Price per ft²$157
CheaperTypical $227Pricier

Pricier than 9% of homes nearby

Living area1,912 ft²
SmallerTypical 1,902 ft²Bigger

Bigger than 51% of homes nearby

Lot size1.84 ac
SmallerTypical 1.09 acBigger

Bigger than 69% of homes nearby

Year built1975
OlderTypical 1994Newer

Newer than 22% of homes nearby

How 396 Flat Rock Rd ranks against every home in each area.
MeasureThis homePort Matilda 16870Centre County
Estimated valuepricier than$299,73223% of homes38% of homes
Price per ft²pricier than$1579% of homes19% of homes
Living areabigger than1,912 ft²51% of homes64% of homes
Lot sizebigger than1.84 ac69% of homes83% of homes
Year builtnewer than197522% of homes45% of homes

About 396 Flat Rock Rd

How much is 396 Flat Rock Rd, Port Matilda, PA worth?

The TopHap Estimate for 396 Flat Rock Rd, Port Matilda, PA is $299,732 as of Jul 14, 2026. The likely range is $279,540 to $319,924. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 396 Flat Rock Rd, Port Matilda, PA last sell?

396 Flat Rock Rd, Port Matilda, PA last sold on Mar 17, 2001, according to the county's recorded deed.

How big is 396 Flat Rock Rd, Port Matilda, PA?

396 Flat Rock Rd, Port Matilda, PA has 3 bedrooms, 2 bathrooms, 1,912 square feet of living space and a 1.84-acre lot.

When was 396 Flat Rock Rd, Port Matilda, PA built?

396 Flat Rock Rd, Port Matilda, PA was built in 1975, making it 51 years old. The building has 1 story.

What schools serve 396 Flat Rock Rd, Port Matilda, PA?

396 Flat Rock Rd, Port Matilda, PA is assigned to Port Matilda Elementary School (elementary), rated B+; Bald Eagle Area Middle School/Sr High School (middle), rated B-. All sit in Bald Eagle Area School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 396 Flat Rock Rd, Port Matilda, PA compare to other homes in Port Matilda 16870?

Among the 3,004 homes in Port Matilda 16870, it is worth more than 23% of them ($299,732 against a typical $436,003), its price per square foot is higher than 9% of them ($157 against a typical $227), it is bigger than 51% of them (1,912 ft² against a typical 1,902 ft²), its lot is bigger than 69% of them (1.84 ac against a typical 1.09 ac) and it is newer than 22% of them (1975 against a typical 1994). Measured against all of Centre County, it is worth more than 38% 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 396 Flat Rock Rd, Port Matilda, PA?

The 2026 property tax bill for 396 Flat Rock Rd, Port Matilda, PA was $3,598. The county assessed it at $49,465.

Closest homes

More homes in Port Matilda 16870

Assigned schools

Explore the area

See this home in context

Open 396 Flat Rock Rd 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