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Single Family ResidenceResidential
$137,897$97 / 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 95How 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
Last sold for $104,200 on Oct 25, 2021

45 E JAMES ST

RICHFIELD SPRINGS, NY 13439
3
Beds
1
Baths
1,425 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.
0.16 ac
Lot SizeThe size of the land the home sits on, from county records.
1925
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$138K
$131K low$145K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$104,200 · Oct 25, 2021
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.$32,645
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$26,116
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.67%
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.$105,252
HOME POINT FINANCIAL CORPORATION · P · recorded Oct 25, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,292 (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.$67,900 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$11,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$56,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$67,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$119,123

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.36
10
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
6
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
60
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.
12
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.6 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
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
StyleThe architectural style of the home, such as ranch or colonial.Traditional/Old
CountyOtsego
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1960
Lot (acres)The size of the land the home sits on, from county records.0.16
HeatingThe type of heating system in the home.Hot Water
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 294 ft²

Transaction History(3)

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
Richfield Springs Elementary SchoolB
Elementary · Grades PK–6 · 0.5 mi

District: Richfield Springs Central School District

Neighborhood · ZIP 13439These 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.111
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.81
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.53

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.72%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.17%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.18%
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.3,769
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.42 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$58,992
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$80,755
Average tempThe average temperature here across a full year.44°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.48%

Ownership

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

45 E James 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 83% of homes in Otsego County
  • Costs less per square foot than 80% of homes in Otsego County
  • Has a smaller lot than 92% of homes in Richfield Springs 13439

What homes are worth in Richfield Springs 13439

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

This home
$75K$771K

This home is worth more than 22% of homes in Richfield Springs 13439.

How it measures up in Richfield Springs 13439

The dot is this home. The mark in the middle is the typical home in Richfield Springs 13439.

Estimated value$137,897
CheaperTypical $211,817Pricier

Pricier than 22% of homes nearby

Price per ft²$97
CheaperTypical $132Pricier

Pricier than 30% of homes nearby

Living area1,425 ft²
SmallerTypical 1,500 ft²Bigger

Bigger than 45% of homes nearby

Lot size0.16 ac
SmallerTypical 1 acBigger

Bigger than 8% of homes nearby

Year built1925
OlderTypical 1958Newer

Newer than 37% of homes nearby

How 45 E James St ranks against every home in each area.
MeasureThis homeRichfield Springs 13439Otsego County
Estimated valuepricier than$137,89722% of homes17% of homes
Price per ft²pricier than$9730% of homes20% of homes
Living areabigger than1,425 ft²45% of homes42% of homes
Lot sizebigger than0.16 ac8% of homes9% of homes
Year builtnewer than192537% of homes39% of homes

About 45 E James St

How much is 45 E James St, Richfield Springs, NY worth?

The TopHap Estimate for 45 E James St, Richfield Springs, NY is $137,897 as of Jul 14, 2026. The likely range is $130,925 to $144,869. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 45 E James St, Richfield Springs, NY last sell?

45 E James St, Richfield Springs, NY last sold on Oct 25, 2021 for $104,200, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 45 E James St, Richfield Springs, NY?

45 E James St, Richfield Springs, NY has 3 bedrooms, 1 bathrooms, 1,425 square feet of living space and a 0.16-acre lot.

When was 45 E James St, Richfield Springs, NY built?

45 E James St, Richfield Springs, NY was built in 1925, making it 101 years old. It is a traditional/old home. The building has 2 stories.

What schools serve 45 E James St, Richfield Springs, NY?

45 E James St, Richfield Springs, NY is assigned to Richfield Springs Elementary School (elementary), rated B. All sit in Richfield Springs Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 45 E James St, Richfield Springs, NY compare to other homes in Richfield Springs 13439?

Among the 2,097 homes in Richfield Springs 13439, it is worth more than 22% of them ($137,897 against a typical $211,817), its price per square foot is higher than 30% of them ($97 against a typical $132), it is bigger than 45% of them (1,425 ft² against a typical 1,500 ft²), its lot is bigger than 8% of them (0.16 ac against a typical 1 ac) and it is newer than 37% of them (1925 against a typical 1958). Measured against all of Otsego County, it is worth more than 17% 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 45 E James St, Richfield Springs, NY?

The 2024 property tax bill for 45 E James St, Richfield Springs, NY was $2,292. The county assessed it at $67,900.

Closest homes

More homes in Richfield Springs 13439

Assigned schools

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