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Single Family ResidenceResidential
$151,615$118 / 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 90How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

398 SPEARING STREET EXT

HOWARD, PA 16841
2
Beds
1
Baths
1,280 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.
0.38 ac
Lot SizeThe size of the land the home sits on, from county records.
1850
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

$152K
$137K low$166K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,276 (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.$17,425 (2026)
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.$12,425
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$17,425
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$34,850

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
60
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.
65
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.24 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
CountyCentre
Lot (acres)The size of the land the home sits on, from county records.0.38
HeatingThe type of heating system in the home.Forced Air

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
Howard Elementary SchoolA-
Elementary · Grades KG–5 · 0.6 mi
M
Bald Eagle Area Middle School/Sr High SchoolB-
Middle · Grades 6–12 · 9.1 mi

District: Bald Eagle Area School District

Neighborhood · ZIP 16841These 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.91
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.91
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.88%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.12%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.4%
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.7,143
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.43 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$69,966
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$88,058
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.56%

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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

398 Spearing Street Ext 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 94% of homes in Howard 16841
  • Costs less per square foot than 91% of homes in Centre County
  • Smaller than 71% of homes in Centre County
  • Has a smaller lot than 80% of homes in Howard 16841
  • Among the oldest homes in Howard 16841

What homes are worth in Howard 16841

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

This home
$117K$763K

This home is worth more than 6% of homes in Howard 16841.

How it measures up in Howard 16841

The dot is this home. The mark in the middle is the typical home in Howard 16841.

Estimated value$151,615
CheaperTypical $267,375Pricier

Pricier than 6% of homes nearby

Price per ft²$118
CheaperTypical $178Pricier

Pricier than 13% of homes nearby

Living area1,280 ft²
SmallerTypical 1,440 ft²Bigger

Bigger than 39% of homes nearby

Lot size0.38 ac
SmallerTypical 1.29 acBigger

Bigger than 20% of homes nearby

Year built1850
OlderTypical 1978Newer

Older than almost all homes nearby

How 398 Spearing Street Ext ranks against every home in each area.
MeasureThis homeHoward 16841Centre County
Estimated valuepricier than$151,6156% of homes7% of homes
Price per ft²pricier than$11813% of homes9% of homes
Living areabigger than1,280 ft²39% of homes29% of homes
Lot sizebigger than0.38 ac20% of homes53% of homes
Year builtnewer than1850almost no homesalmost no homes

About 398 Spearing Street Ext

How much is 398 Spearing Street Ext, Howard, PA worth?

The TopHap Estimate for 398 Spearing Street Ext, Howard, PA is $151,615 as of Aug 30, 2026. The likely range is $137,039 to $166,191. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 398 Spearing Street Ext, Howard, PA?

398 Spearing Street Ext, Howard, PA has 2 bedrooms, 1 bathrooms, 1,280 square feet of living space and a 0.38-acre lot.

When was 398 Spearing Street Ext, Howard, PA built?

398 Spearing Street Ext, Howard, PA was built in 1850, making it 176 years old. The building has 2 stories.

What schools serve 398 Spearing Street Ext, Howard, PA?

398 Spearing Street Ext, Howard, PA is assigned to Howard Elementary School (elementary), rated A-; 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 398 Spearing Street Ext, Howard, PA compare to other homes in Howard 16841?

Among the 2,267 homes in Howard 16841, it is worth more than 6% of them ($151,615 against a typical $267,375), its price per square foot is higher than 13% of them ($118 against a typical $178), it is bigger than 39% of them (1,280 ft² against a typical 1,440 ft²), its lot is bigger than 20% of them (0.38 ac against a typical 1.29 ac) and it is newer than almost none of them (1850 against a typical 1978). Measured against all of Centre County, it is worth more than 7% 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 398 Spearing Street Ext, Howard, PA?

The 2026 property tax bill for 398 Spearing Street Ext, Howard, PA was $1,276. The county assessed it at $17,425.

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