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Single Family ResidenceResidential
$210,444$109 / 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 83How 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

45 RIVER ST

OTEGO, NY 13825
4
Beds
3 / 1
Baths
1,924 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.
0.7 ac
Lot SizeThe size of the land the home sits on, from county records.
1860
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

$210K
$176K low$245K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,834 (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.$150,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$27,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$123,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$150,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$197,368

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.35
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
5
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
57
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
88
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
28
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
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.1970
Lot (acres)The size of the land the home sits on, from county records.0.70
HeatingThe type of heating system in the home.Hot Water
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 453 ft²

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Unatego Junior-Senior High SchoolB-
High · Grades 9–12 · 3.3 mi
M
Unatego Middle SchoolA-
Middle · Grades 6–8 · 3.3 mi
E
Unadilla Elementary SchoolC+
Elementary · Grades PK–5 · 8.6 mi

District: Otego-Unadilla Central School District

Neighborhood · ZIP 13825These 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.93
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.47

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.83%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.13%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.13%
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.3,118
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.55 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$64,745
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$75,021
Average tempThe average temperature here across a full year.45°F
Annual precipHow much rain and melted snow falls here in a typical year.42 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.49%

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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

45 River 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.

  • Costs less per square foot than 81% of homes in Otego 13825
  • Bigger than 75% of homes in Otego 13825
  • Has a smaller lot than 72% of homes in Otego 13825
  • Older than 93% of homes in Otego 13825

What homes are worth in Otego 13825

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

This home
$94K$583K

This home is worth more than 44% of homes in Otego 13825.

How it measures up in Otego 13825

The dot is this home. The mark in the middle is the typical home in Otego 13825.

Estimated value$210,444
CheaperTypical $222,989Pricier

Pricier than 44% of homes nearby

Price per ft²$109
CheaperTypical $145Pricier

Pricier than 19% of homes nearby

Living area1,924 ft²
SmallerTypical 1,492 ft²Bigger

Bigger than 75% of homes nearby

Lot size0.7 ac
SmallerTypical 2.15 acBigger

Bigger than 28% of homes nearby

Year built1860
OlderTypical 1972Newer

Newer than 7% of homes nearby

How 45 River St ranks against every home in each area.
MeasureThis homeOtego 13825Otsego County
Estimated valuepricier than$210,44444% of homes48% of homes
Price per ft²pricier than$10919% of homes27% of homes
Living areabigger than1,924 ft²75% of homes71% of homes
Lot sizebigger than0.7 ac28% of homes39% of homes
Year builtnewer than18607% of homes8% of homes

About 45 River St

How much is 45 River St, Otego, NY worth?

The TopHap Estimate for 45 River St, Otego, NY is $210,444 as of Jul 14, 2026. The likely range is $175,608 to $245,280. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 45 River St, Otego, NY?

45 River St, Otego, NY has 4 bedrooms, 3 bathrooms, 1,924 square feet of living space and a 0.70-acre lot.

When was 45 River St, Otego, NY built?

45 River St, Otego, NY was built in 1860, making it 166 years old. It is a traditional/old home. The building has 2 stories.

What schools serve 45 River St, Otego, NY?

45 River St, Otego, NY is assigned to Unatego Junior-Senior High School (high), rated B-; Unatego Middle School (middle), rated A-; Unadilla Elementary School (elementary), rated C+. All sit in Otego-Unadilla Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 45 River St, Otego, NY compare to other homes in Otego 13825?

Among the 1,463 homes in Otego 13825, it is worth more than 44% of them ($210,444 against a typical $222,989), its price per square foot is higher than 19% of them ($109 against a typical $145), it is bigger than 75% of them (1,924 ft² against a typical 1,492 ft²), its lot is bigger than 28% of them (0.7 ac against a typical 2.15 ac) and it is newer than 7% of them (1860 against a typical 1972). Measured against all of Otsego County, it is worth more than 48% 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 River St, Otego, NY?

The 2024 property tax bill for 45 River St, Otego, NY was $2,834. The county assessed it at $150,000.

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