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Single Family ResidenceResidential
$204,310
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 72How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026
Last sold for $60,000 on Aug 8, 2014

440 SPRUCE ST

SAINT MARYS, PA 15857
3
Beds
2
Baths
0.15 ac
Lot SizeThe size of the land the home sits on, from county records.
1910
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$204K
$147K low$262K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$60,000 · Aug 8, 2014

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,214 (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.$26,000 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$2,750
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$23,250
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$26,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$52,000

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Conventional
CountyELK
Lot (acres)The size of the land the home sits on, from county records.0.15
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.None
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.

E
South St. Marys Street Elementary SchoolC
Elementary · Grades KG–5 · 0.3 mi
H
Saint Marys Area High SchoolB-
High · Grades 9–12 · 1.4 mi
M
Saint Marys Area Middle SchoolD+
Middle · Grades 6–8 · 1.6 mi

District: St. Marys Area School District

Neighborhood · ZIP 15857These 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.101
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.100
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.31

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.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.14%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.6%
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.12,538
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.111 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$65,218
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$80,067
Average tempThe average temperature here across a full year.45°F
Annual precipHow much rain and melted snow falls here in a typical year.45 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.45%

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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

440 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 more than 68% of homes in Elk County
  • Has a smaller lot than 86% of homes in Saint Marys 15857
  • Older than 84% of homes in Saint Marys 15857

What homes are worth in Saint Marys 15857

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

This home
$92K$646K

This home is worth more than 43% of homes in Saint Marys 15857.

How it measures up in Saint Marys 15857

The dot is this home. The mark in the middle is the typical home in Saint Marys 15857.

Estimated value$204,310
CheaperTypical $223,445Pricier

Pricier than 43% of homes nearby

Lot size0.15 ac
SmallerTypical 0.43 acBigger

Bigger than 14% of homes nearby

Year built1910
OlderTypical 1957Newer

Newer than 16% of homes nearby

How 440 Spruce St ranks against every home in each area.
MeasureThis homeSaint Marys 15857Elk County
Estimated valuepricier than$204,31043% of homes68% of homes
Lot sizebigger than0.15 ac14% of homes16% of homes
Year builtnewer than191016% of homes20% of homes

About 440 Spruce St

How much is 440 Spruce St, Saint Marys, PA worth?

The TopHap Estimate for 440 Spruce St, Saint Marys, PA is $204,310 as of Oct 21, 2026. The likely range is $146,749 to $261,871. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 440 Spruce St, Saint Marys, PA last sell?

440 Spruce St, Saint Marys, PA last sold on Aug 8, 2014 for $60,000, according to the county's recorded deed.

How big is 440 Spruce St, Saint Marys, PA?

440 Spruce St, Saint Marys, PA has 3 bedrooms, 2 bathrooms and a 0.15-acre lot.

When was 440 Spruce St, Saint Marys, PA built?

440 Spruce St, Saint Marys, PA was built in 1910, making it 116 years old. It is a conventional home. The building has 2 stories.

What schools serve 440 Spruce St, Saint Marys, PA?

440 Spruce St, Saint Marys, PA is assigned to South St. Marys Street Elementary School (elementary), rated C; Saint Marys Area High School (high), rated B-; Saint Marys Area Middle School (middle), rated D+. All sit in St. Marys Area School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 440 Spruce St, Saint Marys, PA compare to other homes in Saint Marys 15857?

Among the 6,131 homes in Saint Marys 15857, it is worth more than 43% of them ($204,310 against a typical $223,445), its lot is bigger than 14% of them (0.15 ac against a typical 0.43 ac) and it is newer than 16% of them (1910 against a typical 1957). Measured against all of Elk County, it is worth more than 68% 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 440 Spruce St, Saint Marys, PA?

The 2026 property tax bill for 440 Spruce St, Saint Marys, PA was $2,214. The county assessed it at $26,000.

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Assigned schools

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