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Single Family ResidenceResidential
$224,512$89 / 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 94How 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
Last sold for $146,000 on Oct 24, 2017

397 STATE ROUTE 38

HARFORD, NY 13784
3
Beds
2
Baths
2,520 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.
1.83 ac
Lot SizeThe size of the land the home sits on, from county records.
1815
Year BuiltThe year the home was originally built, according to county records.
2
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.

Valuation

$225K
$210K low$239K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$146,000 · Oct 24, 2017
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.$0
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$0
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.156%
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.$248,000
CFCU COMMUNITY CU · R · recorded Dec 23, 2021
2nd 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.$126,700
MANUFACTURERS & TRADERS TRUST CO

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,655 (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.$146,000 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$16,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$129,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$146,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$171,765

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.15 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.Traditional/Old
CountyCortland
Lot (acres)The size of the land the home sits on, from county records.1.83
HeatingThe type of heating system in the home.Hot Water
FireplaceWhether the home has a fireplace, and what kind.Yes
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 · 240 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
Dryden Elementary SchoolC+
Elementary · Grades PK–5 · 5.4 mi
M
Dryden Middle SchoolB
Middle · Grades 6–8 · 6.6 mi
H
Dryden High SchoolB+
High · Grades 9–12 · 6.6 mi

District: Dryden Central School District

Neighborhood · ZIP 13784These 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.81
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.90
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.33

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.93%
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.13%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.39
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.37 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$69,531
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$80,768
Average tempThe average temperature here across a full year.45°F
Annual precipHow much rain and melted snow falls here in a typical year.40 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.49%

Ownership

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

397 State Route 38 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 87% of homes in Harford 13784
  • Costs less per square foot than 83% of homes in Cortland County
  • Bigger than 91% of homes in Harford 13784
  • Has a bigger lot than 68% of homes in Cortland County
  • Among the oldest homes in Cortland County

What homes are worth in Harford 13784

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

This home
$63K$300K

This home is worth more than 87% of homes in Harford 13784.

How it measures up in Harford 13784

The dot is this home. The mark in the middle is the typical home in Harford 13784.

Estimated value$224,512
CheaperTypical $145,217Pricier

Pricier than 87% of homes nearby

Price per ft²$89
CheaperTypical $102Pricier

Pricier than 36% of homes nearby

Living area2,520 ft²
SmallerTypical 1,366 ft²Bigger

Bigger than 91% of homes nearby

Lot size1.83 ac
SmallerTypical 1.54 acBigger

Bigger than 53% of homes nearby

Year built1815
OlderTypical 1954Newer

Older than almost all homes nearby

How 397 State Route 38 ranks against every home in each area.
MeasureThis homeHarford 13784Cortland County
Estimated valuepricier than$224,51287% of homes67% of homes
Price per ft²pricier than$8936% of homes17% of homes
Living areabigger than2,520 ft²91% of homes89% of homes
Lot sizebigger than1.83 ac53% of homes68% of homes
Year builtnewer than1815almost no homesalmost no homes

About 397 State Route 38

How much is 397 State Route 38, Harford, NY worth?

The TopHap Estimate for 397 State Route 38, Harford, NY is $224,512 as of Jul 14, 2026. The likely range is $210,271 to $238,753. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 397 State Route 38, Harford, NY last sell?

397 State Route 38, Harford, NY last sold on Oct 24, 2017 for $146,000, according to the county's recorded deed.

How big is 397 State Route 38, Harford, NY?

397 State Route 38, Harford, NY has 3 bedrooms, 2 bathrooms, 2,520 square feet of living space and a 1.83-acre lot.

When was 397 State Route 38, Harford, NY built?

397 State Route 38, Harford, NY was built in 1815, making it 211 years old. It is a traditional/old home. The building has 2 stories.

What schools serve 397 State Route 38, Harford, NY?

397 State Route 38, Harford, NY is assigned to Dryden Elementary School (elementary), rated C+; Dryden Middle School (middle), rated B; Dryden High School (high), rated B+. All sit in Dryden Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 397 State Route 38, Harford, NY compare to other homes in Harford 13784?

Among the 189 homes in Harford 13784, it is worth more than 87% of them ($224,512 against a typical $145,217), its price per square foot is higher than 36% of them ($89 against a typical $102), it is bigger than 91% of them (2,520 ft² against a typical 1,366 ft²), its lot is bigger than 53% of them (1.83 ac against a typical 1.54 ac) and it is newer than almost none of them (1815 against a typical 1954). Measured against all of Cortland County, it is worth more than 67% 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 397 State Route 38, Harford, NY?

The 2024 property tax bill for 397 State Route 38, Harford, NY was $2,655. The county assessed it at $146,000.

Closest homes

More homes in Harford 13784

Assigned schools

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