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Rural ResidenceResidential
$132,989$123 / 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 62How 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

4312 ROUTE 98

FRANKLINVILLE, NY 14737
3
Beds
1
Baths
1,080 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.
109.67 ac
Lot SizeThe size of the land the home sits on, from county records.
1948
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$133K
$82K low$184K 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.$82,694
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$66,155
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.35%
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.$50,295
KEY BANK NA · R · recorded Aug 16, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,481 (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.$320,700 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$222,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$98,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$320,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$320,700

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.144 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%

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.Traditional/Old
CountyCattaraugus
Lot (acres)The size of the land the home sits on, from county records.109.67
HeatingThe type of heating system in the home.Forced Air
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.

E
Franklinville Elementary SchoolD+
Elementary · Grades PK–5 · 6.6 mi
M
Franklinville Junior-Senior High SchoolB+
Middle · Grades 6–12 · 6.6 mi

District: Franklinville Central School District

Neighborhood · ZIP 14737These 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.112
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 100.52

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.74%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.8.7%
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.1.2%
PopulationHow many people live in this area.4,253
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.38 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$57,337
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$70,022
Average tempThe average temperature here across a full year.44°F
Annual precipHow much rain and melted snow falls here in a typical year.43 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.48%

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

4312 Route 98 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.

  • Costs more per square foot than 67% of homes in Franklinville 14737
  • Smaller than 76% of homes in Cattaraugus County
  • Has a bigger lot than 98% of homes in Cattaraugus County
  • Older than 66% of homes in Franklinville 14737

What homes are worth in Franklinville 14737

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

This home
$55K$472K

This home is worth more than 42% of homes in Franklinville 14737.

How it measures up in Franklinville 14737

The dot is this home. The mark in the middle is the typical home in Franklinville 14737.

Estimated value$132,989
CheaperTypical $147,340Pricier

Pricier than 42% of homes nearby

Price per ft²$123
CheaperTypical $98Pricier

Pricier than 67% of homes nearby

Living area1,080 ft²
SmallerTypical 1,342 ft²Bigger

Bigger than 35% of homes nearby

Lot size109.67 ac
SmallerTypical 4 acBigger

Bigger than 97% of homes nearby

Year built1948
OlderTypical 1972Newer

Newer than 34% of homes nearby

How 4312 Route 98 ranks against every home in each area.
MeasureThis homeFranklinville 14737Cattaraugus County
Estimated valuepricier than$132,98942% of homes41% of homes
Price per ft²pricier than$12367% of homes66% of homes
Living areabigger than1,080 ft²35% of homes24% of homes
Lot sizebigger than109.67 ac97% of homes98% of homes
Year builtnewer than194834% of homes45% of homes

About 4312 Route 98

How much is 4312 Route 98, Franklinville, NY worth?

The TopHap Estimate for 4312 Route 98, Franklinville, NY is $132,989 as of Jul 14, 2026. The likely range is $82,101 to $183,877. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4312 Route 98, Franklinville, NY last sell?

4312 Route 98, Franklinville, NY last sold on Feb 9, 2024, according to the county's recorded deed.

How big is 4312 Route 98, Franklinville, NY?

4312 Route 98, Franklinville, NY has 3 bedrooms, 1 bathrooms, 1,080 square feet of living space and a 109.67-acre lot.

When was 4312 Route 98, Franklinville, NY built?

4312 Route 98, Franklinville, NY was built in 1948, making it 78 years old. It is a traditional/old home. The building has 2 stories.

What schools serve 4312 Route 98, Franklinville, NY?

4312 Route 98, Franklinville, NY is assigned to Franklinville Elementary School (elementary), rated D+; Franklinville Junior-Senior High School (middle), rated B+. All sit in Franklinville Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 4312 Route 98, Franklinville, NY compare to other homes in Franklinville 14737?

Among the 2,320 homes in Franklinville 14737, it is worth more than 42% of them ($132,989 against a typical $147,340), its price per square foot is higher than 67% of them ($123 against a typical $98), it is bigger than 35% of them (1,080 ft² against a typical 1,342 ft²), its lot is bigger than 97% of them (109.67 ac against a typical 4 ac) and it is newer than 34% of them (1948 against a typical 1972). Measured against all of Cattaraugus County, it is worth more than 41% 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 4312 Route 98, Franklinville, NY?

The 2024 property tax bill for 4312 Route 98, Franklinville, NY was $4,481. The county assessed it at $320,700.

Closest homes

More homes in Franklinville 14737

Assigned schools

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