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Apartments (Generic)Residential
Last sold for $1,050,000 on Mar 14, 2019

45 ELM ST

RICHFIELD SPRINGS, NY 13439
0
Baths
12,820 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.
0.99 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

Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$1,050,000 · Mar 14, 2019
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.$735,000
GENESEE REG'L BK · recorded Mar 14, 2019
3rd 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.$190,599

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$23,043 (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.$670,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$20,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$650,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$670,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,175,439

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.
4
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.Apartments (Generic)
CountyOtsego
Lot (acres)The size of the land the home sits on, from county records.0.99
HeatingThe type of heating system in the home.None

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
Richfield Springs Elementary SchoolB
Elementary · Grades PK–6 · 0.3 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

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.Yes

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 Elm 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.

  • Among the largest homes in Richfield Springs 13439
  • Newer than 71% 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.

Living area12,820 ft²
SmallerTypical 1,500 ft²Bigger

Bigger than almost all homes nearby

Lot size0.99 ac
SmallerTypical 1 acBigger

Bigger than 49% of homes nearby

Year built1983
OlderTypical 1958Newer

Newer than 71% of homes nearby

How 45 Elm St ranks against every home in each area.
MeasureThis homeRichfield Springs 13439Otsego County
Living areabigger than12,820 ft²almost all homesalmost all homes
Lot sizebigger than0.99 ac49% of homes44% of homes
Year builtnewer than198371% of homes70% of homes

About 45 Elm St

When did 45 Elm St, Richfield Springs, NY last sell?

45 Elm St, Richfield Springs, NY last sold on Mar 14, 2019 for $1,050,000, according to the county's recorded deed.

How big is 45 Elm St, Richfield Springs, NY?

45 Elm St, Richfield Springs, NY has 12,820 square feet of living space and a 0.99-acre lot.

When was 45 Elm St, Richfield Springs, NY built?

45 Elm St, Richfield Springs, NY was built in 1983, making it 43 years old. The building has 2 stories.

What schools serve 45 Elm St, Richfield Springs, NY?

45 Elm 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 Elm St, Richfield Springs, NY compare to other homes in Richfield Springs 13439?

Among the 2,097 homes in Richfield Springs 13439, it is bigger than almost all of them (12,820 ft² against a typical 1,500 ft²), its lot is bigger than 49% of them (0.99 ac against a typical 1 ac) and it is newer than 71% of them (1983 against a typical 1958). 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 Elm St, Richfield Springs, NY?

The 2024 property tax bill for 45 Elm St, Richfield Springs, NY was $23,043. The county assessed it at $670,000.

Closest homes

More homes in Richfield Springs 13439

Assigned schools

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