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Single Family ResidenceResidential
$864,171$255 / 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 88How 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

48 RIVER ST

COOPERSTOWN, NY 13326
4
Beds
3 / 1
Baths
3,388 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.
0.57 ac
Lot SizeThe size of the land the home sits on, from county records.
1814
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$864K
$765K low$964K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$12,630 (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.$517,400 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$121,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$396,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$517,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$739,143

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
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
7
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.
85
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.1985
Lot (acres)The size of the land the home sits on, from county records.0.57
HeatingThe type of heating system in the home.Hot Water
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 472 ft²Porch · 758 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
Cooperstown Elementary SchoolB
Elementary · Grades KG–6 · 0.7 mi
M
Cooperstown Junior/Senior High SchoolA-
Middle · Grades 7–12 · 0.8 mi

District: Cooperstown Central School District

Neighborhood · ZIP 13326These 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.87
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.48

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.71%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.24%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.5%
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.5,145
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.50 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$77,364
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$111,198
Average tempThe average temperature here across a full year.44°F
Annual precipHow much rain and melted snow falls here in a typical year.43 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

48 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.

  • Among the most valuable homes in Otsego County
  • Costs more per square foot than 90% of homes in Otsego County
  • Bigger than 97% of homes in Otsego County
  • Has a smaller lot than 65% of homes in Otsego County
  • Among the oldest homes in Cooperstown 13326

What homes are worth in Cooperstown 13326

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

This home
$139K$1.4M

This home is worth more than 91% of homes in Cooperstown 13326.

How it measures up in Cooperstown 13326

The dot is this home. The mark in the middle is the typical home in Cooperstown 13326.

Estimated value$864,171
CheaperTypical $434,694Pricier

Pricier than 91% of homes nearby

Price per ft²$255
CheaperTypical $235Pricier

Pricier than 59% of homes nearby

Living area3,388 ft²
SmallerTypical 1,778 ft²Bigger

Bigger than 92% of homes nearby

Lot size0.57 ac
SmallerTypical 1.2 acBigger

Bigger than 36% of homes nearby

Year built1814
OlderTypical 1950Newer

Older than almost all homes nearby

How 48 River St ranks against every home in each area.
MeasureThis homeCooperstown 13326Otsego County
Estimated valuepricier than$864,17191% of homesalmost all homes
Price per ft²pricier than$25559% of homes90% of homes
Living areabigger than3,388 ft²92% of homes97% of homes
Lot sizebigger than0.57 ac36% of homes35% of homes
Year builtnewer than1814almost no homes2% of homes

About 48 River St

How much is 48 River St, Cooperstown, NY worth?

The TopHap Estimate for 48 River St, Cooperstown, NY is $864,171 as of Jul 14, 2026. The likely range is $764,745 to $963,597. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 48 River St, Cooperstown, NY last sell?

48 River St, Cooperstown, NY last sold on Oct 16, 2006, according to the county's recorded deed.

How big is 48 River St, Cooperstown, NY?

48 River St, Cooperstown, NY has 4 bedrooms, 3 bathrooms, 3,388 square feet of living space and a 0.57-acre lot.

When was 48 River St, Cooperstown, NY built?

48 River St, Cooperstown, NY was built in 1814, making it 212 years old. It is a traditional/old home. The building has 2 stories.

What schools serve 48 River St, Cooperstown, NY?

48 River St, Cooperstown, NY is assigned to Cooperstown Elementary School (elementary), rated B; Cooperstown Junior/Senior High School (middle), rated A-. All sit in Cooperstown Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 48 River St, Cooperstown, NY compare to other homes in Cooperstown 13326?

Among the 2,708 homes in Cooperstown 13326, it is worth more than 91% of them ($864,171 against a typical $434,694), its price per square foot is higher than 59% of them ($255 against a typical $235), it is bigger than 92% of them (3,388 ft² against a typical 1,778 ft²), its lot is bigger than 36% of them (0.57 ac against a typical 1.2 ac) and it is newer than almost none of them (1814 against a typical 1950). Measured against all of Otsego County, it is worth more than almost all 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 48 River St, Cooperstown, NY?

The 2024 property tax bill for 48 River St, Cooperstown, NY was $12,630. The county assessed it at $517,400.

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