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Rural ResidenceResidential
$614,885$431 / 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 Jul 14, 2026

445 RUFF RD

ANDES, NY 13731
3
Beds
1
Baths
1,428 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.
25.1 ac
Lot SizeThe size of the land the home sits on, from county records.
1983
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$615K
$515K low$714K 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.$424,885
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$339,908
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.32%
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.$190,000
M&T BANK NA · recorded Jul 2, 2008

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,454 (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.$381,100 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$105,400
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$275,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$381,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$508,133

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.42
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
15
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
52
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
94
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
50
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.Rural Residence
StyleThe architectural style of the home, such as ranch or colonial.Contemporary
CountyDelaware
Lot (acres)The size of the land the home sits on, from county records.25.10
HeatingThe type of heating system in the home.Electric
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Basement
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 708 ft²

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
Andes Central SchoolB
Elementary · Grades PK–12 · 1.4 mi

District: Andes Central School District

Neighborhood · ZIP 13731These 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.143
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.96
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.46

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.47%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.21%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.0%
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.985
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.10 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$78,227
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$95,205
Average tempThe average temperature here across a full year.43°F
Annual precipHow much rain and melted snow falls here in a typical year.44 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.49%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
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

445 Ruff 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 more than 92% of homes in Delaware County
  • Costs more per square foot than 95% of homes in Delaware County
  • Has a bigger lot than 85% of homes in Delaware County
  • Newer than 67% of homes in Delaware County

What homes are worth in Andes 13731

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

This home
$164K$1.1M

This home is worth more than 79% of homes in Andes 13731.

How it measures up in Andes 13731

The dot is this home. The mark in the middle is the typical home in Andes 13731.

Estimated value$614,885
CheaperTypical $423,435Pricier

Pricier than 79% of homes nearby

Price per ft²$431
CheaperTypical $279Pricier

Pricier than 88% of homes nearby

Living area1,428 ft²
SmallerTypical 1,372 ft²Bigger

Bigger than 52% of homes nearby

Lot size25.1 ac
SmallerTypical 5.84 acBigger

Bigger than 82% of homes nearby

Year built1983
OlderTypical 1975Newer

Newer than 62% of homes nearby

How 445 Ruff Rd ranks against every home in each area.
MeasureThis homeAndes 13731Delaware County
Estimated valuepricier than$614,88579% of homes92% of homes
Price per ft²pricier than$43188% of homes95% of homes
Living areabigger than1,428 ft²52% of homes50% of homes
Lot sizebigger than25.1 ac82% of homes85% of homes
Year builtnewer than198362% of homes67% of homes

About 445 Ruff Rd

How much is 445 Ruff Rd, Andes, NY worth?

The TopHap Estimate for 445 Ruff Rd, Andes, NY is $614,885 as of Jul 14, 2026. The likely range is $515,480 to $714,290. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 445 Ruff Rd, Andes, NY?

445 Ruff Rd, Andes, NY has 3 bedrooms, 1 bathrooms, 1,428 square feet of living space and a 25.10-acre lot.

When was 445 Ruff Rd, Andes, NY built?

445 Ruff Rd, Andes, NY was built in 1983, making it 43 years old. It is a contemporary home. The building has 2 stories.

What schools serve 445 Ruff Rd, Andes, NY?

445 Ruff Rd, Andes, NY is assigned to Andes Central School (elementary), rated B. All sit in Andes Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 445 Ruff Rd, Andes, NY compare to other homes in Andes 13731?

Among the 1,241 homes in Andes 13731, it is worth more than 79% of them ($614,885 against a typical $423,435), its price per square foot is higher than 88% of them ($431 against a typical $279), it is bigger than 52% of them (1,428 ft² against a typical 1,372 ft²), its lot is bigger than 82% of them (25.1 ac against a typical 5.84 ac) and it is newer than 62% of them (1983 against a typical 1975). Measured against all of Delaware County, it is worth more than 92% 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 445 Ruff Rd, Andes, NY?

The 2024 property tax bill for 445 Ruff Rd, Andes, NY was $3,454. The county assessed it at $381,100.

Closest homes

More homes in Andes 13731

Assigned schools

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