Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$155,646$147 / 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 84How 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 $62,000 on Jun 21, 2010

438 SETTLERS RIDGE RD

OSTERBURG, PA 16667
0
Baths
1,056 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.
0.49 ac
Lot SizeThe size of the land the home sits on, from county records.
1978
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$156K
$130K low$181K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$62,000 · Jun 21, 2010

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,077 (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.$79,200 (2026)
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.$62,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$79,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$79,200

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.45
43
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
10
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
71
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
87
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
18
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.10 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
CountyBEDFORD
Lot (acres)The size of the land the home sits on, from county records.0.49
PoolWhether the property has a pool, and what kind, such as in-ground.No

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.

H
Chestnut Ridge Senior High SchoolB
High · Grades 8–12 · 5.1 mi
E
Central Elementary School
Elementary · Grades PK–4 · 5.2 mi
M
Chestnut Ridge Middle SchoolB-
Middle · Grades 5–7 · 5.7 mi

District: Chestnut Ridge School District

Neighborhood · ZIP 16667These 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.105
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.35

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.91%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.6.4%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.9%
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.1,486
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.81 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$59,522
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$82,260
Average tempThe average temperature here across a full year.49°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.57%

Owner Tools

Do you own this home?
Claim this home

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

438 Settlers Ridge Rd 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 82% of homes in Osterburg 16667
  • Smaller than 82% of homes in Osterburg 16667
  • Has a smaller lot than 84% of homes in Osterburg 16667

What homes are worth in Osterburg 16667

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

This home
$98K$652K

This home is worth more than 18% of homes in Osterburg 16667.

How it measures up in Osterburg 16667

The dot is this home. The mark in the middle is the typical home in Osterburg 16667.

Estimated value$155,646
CheaperTypical $227,428Pricier

Pricier than 18% of homes nearby

Price per ft²$147
CheaperTypical $149Pricier

Pricier than 49% of homes nearby

Living area1,056 ft²
SmallerTypical 1,486 ft²Bigger

Bigger than 18% of homes nearby

Lot size0.49 ac
SmallerTypical 1.58 acBigger

Bigger than 16% of homes nearby

Year built1978
OlderTypical 1970Newer

Newer than 63% of homes nearby

How 438 Settlers Ridge Rd ranks against every home in each area.
MeasureThis homeOsterburg 16667Bedford County
Estimated valuepricier than$155,64618% of homes28% of homes
Price per ft²pricier than$14749% of homes51% of homes
Living areabigger than1,056 ft²18% of homes23% of homes
Lot sizebigger than0.49 ac16% of homes30% of homes
Year builtnewer than197863% of homes62% of homes

About 438 Settlers Ridge Rd

How much is 438 Settlers Ridge Rd, Osterburg, PA worth?

The TopHap Estimate for 438 Settlers Ridge Rd, Osterburg, PA is $155,646 as of Sep 24, 2026. The likely range is $130,078 to $181,214. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 438 Settlers Ridge Rd, Osterburg, PA last sell?

438 Settlers Ridge Rd, Osterburg, PA last sold on Jun 21, 2010 for $62,000, according to the county's recorded deed.

How big is 438 Settlers Ridge Rd, Osterburg, PA?

438 Settlers Ridge Rd, Osterburg, PA has 1,056 square feet of living space and a 0.49-acre lot.

When was 438 Settlers Ridge Rd, Osterburg, PA built?

438 Settlers Ridge Rd, Osterburg, PA was built in 1978, making it 48 years old. The building has 1 story.

What schools serve 438 Settlers Ridge Rd, Osterburg, PA?

438 Settlers Ridge Rd, Osterburg, PA is assigned to Chestnut Ridge Senior High School (high), rated B; Central Elementary School (elementary); Chestnut Ridge Middle School (middle), rated B-. All sit in Chestnut Ridge School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 438 Settlers Ridge Rd, Osterburg, PA compare to other homes in Osterburg 16667?

Among the 603 homes in Osterburg 16667, it is worth more than 18% of them ($155,646 against a typical $227,428), its price per square foot is higher than 49% of them ($147 against a typical $149), it is bigger than 18% of them (1,056 ft² against a typical 1,486 ft²), its lot is bigger than 16% of them (0.49 ac against a typical 1.58 ac) and it is newer than 63% of them (1978 against a typical 1970). Measured against all of Bedford 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 438 Settlers Ridge Rd, Osterburg, PA?

The 2026 property tax bill for 438 Settlers Ridge Rd, Osterburg, PA was $1,077. The county assessed it at $79,200.

More homes on Settlers Ridge Rd

Closest homes

More homes in Osterburg 16667

Assigned schools

Explore the area

See this home in context

Open 438 Settlers Ridge Rd 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