Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$285,699$139 / 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 Jul 14, 2026
Last sold for $255,000 on Feb 28, 2025

4 WATROUS ST

GAINES, PA 16921
5
Beds
4 / 2
Baths
2,062 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.
0.31 ac
Lot SizeThe size of the land the home sits on, from county records.
1901
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
10
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$286K
$257K low$314K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$255,000 · Feb 28, 2025
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.$35,725
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$28,580
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.89%
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.$249,974
ROCKET MORTGAGE LLC · recorded Feb 28, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,210 (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.$223,140 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$13,260
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$209,880
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$223,140
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$223,140

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.48
85
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.
51
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
89
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
1
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.96 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%

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
CountyTioga
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2021
Lot (acres)The size of the land the home sits on, from county records.0.31
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Central

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
Galeton Area School
Elementary · Grades PK–12 · 3.2 mi

District: Galeton Area School District

Neighborhood · ZIP 16921These 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.181
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.98
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.37%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.8.9%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.0%
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.664
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.6 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$52,279
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$63,115
Average tempThe average temperature here across a full year.45°F
Annual precipHow much rain and melted snow falls here in a typical year.38 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.51%

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

4 Watrous St 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 65% of homes in Gaines 16921
  • Costs less per square foot than 69% of homes in Gaines 16921
  • Bigger than 91% of homes in Gaines 16921
  • Has a smaller lot than 89% of homes in Gaines 16921
  • Older than 82% of homes in Gaines 16921

What homes are worth in Gaines 16921

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

This home
$75K$597K

This home is worth more than 65% of homes in Gaines 16921.

How it measures up in Gaines 16921

The dot is this home. The mark in the middle is the typical home in Gaines 16921.

Estimated value$285,699
CheaperTypical $226,495Pricier

Pricier than 65% of homes nearby

Price per ft²$139
CheaperTypical $180Pricier

Pricier than 31% of homes nearby

Living area2,062 ft²
SmallerTypical 1,092 ft²Bigger

Bigger than 91% of homes nearby

Lot size0.31 ac
SmallerTypical 2 acBigger

Bigger than 11% of homes nearby

Year built1901
OlderTypical 1965Newer

Newer than 18% of homes nearby

How 4 Watrous St ranks against every home in each area.
MeasureThis homeGaines 16921Tioga County
Estimated valuepricier than$285,69965% of homes63% of homes
Price per ft²pricier than$13931% of homes41% of homes
Living areabigger than2,062 ft²91% of homes80% of homes
Lot sizebigger than0.31 ac11% of homes14% of homes
Year builtnewer than190118% of homes26% of homes

About 4 Watrous St

How much is 4 Watrous St, Gaines, PA worth?

The TopHap Estimate for 4 Watrous St, Gaines, PA is $285,699 as of Jul 14, 2026. The likely range is $257,241 to $314,157. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4 Watrous St, Gaines, PA last sell?

4 Watrous St, Gaines, PA last sold on Feb 28, 2025 for $255,000, according to the county's recorded deed.

How big is 4 Watrous St, Gaines, PA?

4 Watrous St, Gaines, PA has 5 bedrooms, 4 bathrooms, 2,062 square feet of living space and a 0.31-acre lot.

When was 4 Watrous St, Gaines, PA built?

4 Watrous St, Gaines, PA was built in 1901, making it 125 years old. The building has 2 stories.

What schools serve 4 Watrous St, Gaines, PA?

4 Watrous St, Gaines, PA is assigned to Galeton Area School (elementary). All sit in Galeton Area School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 4 Watrous St, Gaines, PA compare to other homes in Gaines 16921?

Among the 707 homes in Gaines 16921, it is worth more than 65% of them ($285,699 against a typical $226,495), its price per square foot is higher than 31% of them ($139 against a typical $180), it is bigger than 91% of them (2,062 ft² against a typical 1,092 ft²), its lot is bigger than 11% of them (0.31 ac against a typical 2 ac) and it is newer than 18% of them (1901 against a typical 1965). Measured against all of Tioga County, it is worth more than 63% 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 4 Watrous St, Gaines, PA?

The 2026 property tax bill for 4 Watrous St, Gaines, PA was $3,210. The county assessed it at $223,140.

Closest homes

More homes in Gaines 16921

Assigned schools

Explore the area

See this home in context

Open 4 Watrous St 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