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Single Family ResidenceResidential
$164,736$196 / 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 89How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $31,500 on Jul 10, 1992

432 SPRUCE ST

MONTOURSVILLE, PA 17754
3
Beds
1
Baths
840 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.
0.1 ac
Lot SizeThe size of the land the home sits on, from county records.
1951
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$165K
$147K low$182K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$31,500 · Jul 10, 1992

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,814 (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.$61,300 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$16,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$45,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$61,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$61,300

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.31
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
3
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
64
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
79
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
9
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

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
CountyLycoming
Lot (acres)The size of the land the home sits on, from county records.0.10
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Mat/Raft Foundation (Slab)
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.None

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

H
Montoursville Area Sr High SchoolB-
High · Grades 9–12 · 0.3 mi
E
Lyter Elementary SchoolA
Elementary · Grades KG–4 · 0.4 mi
M
C E Mccall Middle SchoolB-
Middle · Grades 5–8 · 0.8 mi

District: Montoursville Area School District

Neighborhood · ZIP 17754These 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.61
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.94
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.37

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.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.20%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.4%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.12,649
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.261 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$78,214
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$102,083
Average tempThe average temperature here across a full year.49°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.51%

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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

432 Spruce 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 less than 96% of homes in Montoursville 17754
  • Costs more per square foot than 84% of homes in Lycoming County
  • Smaller than 96% of homes in Montoursville 17754
  • Has a smaller lot than 97% of homes in Montoursville 17754
  • Older than 76% of homes in Montoursville 17754

What homes are worth in Montoursville 17754

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

This home
$138K$654K

This home is worth more than 4% of homes in Montoursville 17754.

How it measures up in Montoursville 17754

The dot is this home. The mark in the middle is the typical home in Montoursville 17754.

Estimated value$164,736
CheaperTypical $283,308Pricier

Pricier than 4% of homes nearby

Price per ft²$196
CheaperTypical $182Pricier

Pricier than 65% of homes nearby

Living area840 ft²
SmallerTypical 1,612 ft²Bigger

Bigger than 4% of homes nearby

Lot size0.1 ac
SmallerTypical 0.42 acBigger

Bigger than 3% of homes nearby

Year built1951
OlderTypical 1966Newer

Newer than 24% of homes nearby

How 432 Spruce St ranks against every home in each area.
MeasureThis homeMontoursville 17754Lycoming County
Estimated valuepricier than$164,7364% of homes28% of homes
Price per ft²pricier than$19665% of homes84% of homes
Living areabigger than840 ft²4% of homes7% of homes
Lot sizebigger than0.1 ac3% of homes8% of homes
Year builtnewer than195124% of homes44% of homes

About 432 Spruce St

How much is 432 Spruce St, Montoursville, PA worth?

The TopHap Estimate for 432 Spruce St, Montoursville, PA is $164,736 as of Sep 24, 2026. The likely range is $147,156 to $182,316. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 432 Spruce St, Montoursville, PA last sell?

432 Spruce St, Montoursville, PA last sold on Jul 10, 1992 for $31,500, according to the county's recorded deed.

How big is 432 Spruce St, Montoursville, PA?

432 Spruce St, Montoursville, PA has 3 bedrooms, 1 bathrooms, 840 square feet of living space and a 0.10-acre lot.

When was 432 Spruce St, Montoursville, PA built?

432 Spruce St, Montoursville, PA was built in 1951, making it 75 years old. The building has 1 story.

What schools serve 432 Spruce St, Montoursville, PA?

432 Spruce St, Montoursville, PA is assigned to Montoursville Area Sr High School (high), rated B-; Lyter Elementary School (elementary), rated A; C E Mccall Middle School (middle), rated B-. All sit in Montoursville Area School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 432 Spruce St, Montoursville, PA compare to other homes in Montoursville 17754?

Among the 4,506 homes in Montoursville 17754, it is worth more than 4% of them ($164,736 against a typical $283,308), its price per square foot is higher than 65% of them ($196 against a typical $182), it is bigger than 4% of them (840 ft² against a typical 1,612 ft²), its lot is bigger than 3% of them (0.1 ac against a typical 0.42 ac) and it is newer than 24% of them (1951 against a typical 1966). Measured against all of Lycoming County, it is worth more than 28% 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 432 Spruce St, Montoursville, PA?

The 2026 property tax bill for 432 Spruce St, Montoursville, PA was $1,814. The county assessed it at $61,300.

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