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Single Family ResidenceResidential
$144,888$60 / 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 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

45 STATE ST

OXFORD, NY 13830
5
Beds
2
Baths
2,397 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.
1.57 ac
Lot SizeThe size of the land the home sits on, from county records.
1900
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

$145K
$135K low$155K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,262 (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.$54,900 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$17,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$37,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$54,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$148,378

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.32
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.
60
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
90
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
7
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
CountyCHENANGO
Lot (acres)The size of the land the home sits on, from county records.1.57
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
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 · 401 ft²

Transaction History(2)

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.

H
Oxford Academy High SchoolB
High · Grades 9–12 · 0.3 mi
E
Oxford Academy Primary SchoolD
Elementary · Grades PK–4 · 0.3 mi
M
Oxford Academy Middle SchoolC-
Middle · Grades 5–8 · 0.6 mi

District: Oxford Academy and Central School District

Neighborhood · ZIP 13830These 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.120
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.95
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.42

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.80%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.7.7%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.15%
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.4,890
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.45 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$63,388
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$81,341
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 State 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 83% of homes in Chenango County
  • Bigger than 87% of homes in Oxford 13830
  • Older than 68% of homes in Chenango County

What homes are worth in Oxford 13830

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

This home
$54K$396K

This home is worth more than 53% of homes in Oxford 13830.

How it measures up in Oxford 13830

The dot is this home. The mark in the middle is the typical home in Oxford 13830.

Estimated value$144,888
CheaperTypical $140,020Pricier

Pricier than 53% of homes nearby

Price per ft²$60
CheaperTypical $92Pricier

Pricier than 22% of homes nearby

Living area2,397 ft²
SmallerTypical 1,352 ft²Bigger

Bigger than 87% of homes nearby

Lot size1.57 ac
SmallerTypical 1.7 acBigger

Bigger than 49% of homes nearby

Year built1900
OlderTypical 1960Newer

Newer than 34% of homes nearby

How 45 State St ranks against every home in each area.
MeasureThis homeOxford 13830Chenango County
Estimated valuepricier than$144,88853% of homes47% of homes
Price per ft²pricier than$6022% of homes17% of homes
Living areabigger than2,397 ft²87% of homes87% of homes
Lot sizebigger than1.57 ac49% of homes50% of homes
Year builtnewer than190034% of homes32% of homes

About 45 State St

How much is 45 State St, Oxford, NY worth?

The TopHap Estimate for 45 State St, Oxford, NY is $144,888 as of Sep 24, 2026. The likely range is $135,165 to $154,611. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 45 State St, Oxford, NY last sell?

45 State St, Oxford, NY last sold on Jan 1, 1900, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 45 State St, Oxford, NY?

45 State St, Oxford, NY has 5 bedrooms, 2 bathrooms, 2,397 square feet of living space and a 1.57-acre lot.

When was 45 State St, Oxford, NY built?

45 State St, Oxford, NY was built in 1900, making it 126 years old. It is a traditional/old home. The building has 2 stories.

What schools serve 45 State St, Oxford, NY?

45 State St, Oxford, NY is assigned to Oxford Academy High School (high), rated B; Oxford Academy Primary School (elementary), rated D; Oxford Academy Middle School (middle), rated C-. All sit in Oxford Academy and Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 45 State St, Oxford, NY compare to other homes in Oxford 13830?

Among the 2,268 homes in Oxford 13830, it is worth more than 53% of them ($144,888 against a typical $140,020), its price per square foot is higher than 22% of them ($60 against a typical $92), it is bigger than 87% of them (2,397 ft² against a typical 1,352 ft²), its lot is bigger than 49% of them (1.57 ac against a typical 1.7 ac) and it is newer than 34% of them (1900 against a typical 1960). Measured against all of Chenango County, it is worth more than 47% 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 State St, Oxford, NY?

The 2026 property tax bill for 45 State St, Oxford, NY was $5,262. The county assessed it at $54,900.

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