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Single Family ResidenceResidential
$196,210
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 78How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $130,000 on Jan 14, 2021

515 RAY ST

PHILIPSBURG, PA 16866
0
Baths
0.2 ac
Lot SizeThe size of the land the home sits on, from county records.
1976
Year BuiltThe year the home was originally built, according to county records.

Valuation

$196K
$153K low$239K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$130,000 · Jan 14, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,242 (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.$22,550 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$5,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$17,550
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$22,550
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$90,200

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.39
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
10
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
59
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
89
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
39
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
CountyCLEARFIELD
Lot (acres)The size of the land the home sits on, from county records.0.20
PoolWhether the property has a pool, and what kind, such as in-ground.No

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.

M
Philipsburg-Osceola Area Middle SchoolC+
Middle · Grades 6–8 · 0.2 mi
H
Philipsburg-Osceola Area High SchoolB-
High · Grades 9–12 · 1.2 mi
E
Philipsburg Elementary SchoolA-
Elementary · Grades KG–5 · 1.9 mi

District: Philipsburg-Osceola Area School District

Neighborhood · ZIP 16866These 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.128
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.103
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.30

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.90%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.11%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
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.9,813
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.83 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$56,861
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$70,772
Average tempThe average temperature here across a full year.46°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.55%

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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

515 Ray 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 more than 75% of homes in Clearfield County
  • Has a smaller lot than 79% of homes in Clearfield County
  • Newer than 70% of homes in Philipsburg 16866

What homes are worth in Philipsburg 16866

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

This home
$42K$432K

This home is worth more than 73% of homes in Philipsburg 16866.

How it measures up in Philipsburg 16866

The dot is this home. The mark in the middle is the typical home in Philipsburg 16866.

Estimated value$196,210
CheaperTypical $146,052Pricier

Pricier than 73% of homes nearby

Lot size0.2 ac
SmallerTypical 0.34 acBigger

Bigger than 31% of homes nearby

Year built1976
OlderTypical 1954Newer

Newer than 70% of homes nearby

How 515 Ray St ranks against every home in each area.
MeasureThis homePhilipsburg 16866Clearfield County
Estimated valuepricier than$196,21073% of homes75% of homes
Lot sizebigger than0.2 ac31% of homes21% of homes
Year builtnewer than197670% of homes66% of homes

About 515 Ray St

How much is 515 Ray St, Philipsburg, PA worth?

The TopHap Estimate for 515 Ray St, Philipsburg, PA is $196,210 as of Aug 30, 2026. The likely range is $153,154 to $239,266. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 515 Ray St, Philipsburg, PA last sell?

515 Ray St, Philipsburg, PA last sold on Jan 14, 2021 for $130,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

When was 515 Ray St, Philipsburg, PA built?

515 Ray St, Philipsburg, PA was built in 1976, making it 50 years old.

What schools serve 515 Ray St, Philipsburg, PA?

515 Ray St, Philipsburg, PA is assigned to Philipsburg-Osceola Area Middle School (middle), rated C+; Philipsburg-Osceola Area High School (high), rated B-; Philipsburg Elementary School (elementary), rated A-. All sit in Philipsburg-Osceola Area School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 515 Ray St, Philipsburg, PA compare to other homes in Philipsburg 16866?

Among the 3,462 homes in Philipsburg 16866, it is worth more than 73% of them ($196,210 against a typical $146,052), its lot is bigger than 31% of them (0.2 ac against a typical 0.34 ac) and it is newer than 70% of them (1976 against a typical 1954). Measured against all of Clearfield County, it is worth more than 75% 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 515 Ray St, Philipsburg, PA?

The 2026 property tax bill for 515 Ray St, Philipsburg, PA was $2,242. The county assessed it at $22,550.

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