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Single Family ResidenceResidential
$192,909$119 / 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 91How 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

589 STATE ROUTE 38

LOCKE, NY 13092
3
Beds
2
Baths
1,624 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.
4 ac
Lot SizeThe size of the land the home sits on, from county records.
1994
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$193K
$176K low$210K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,177 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$106,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$21,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$84,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$106,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$149,296

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.55
100
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
8
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
53
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
83
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
33
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.197 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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.1 percent flood zone

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.Ranch
CountyCayuga
Lot (acres)The size of the land the home sits on, from county records.4.00
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Mat/Raft Foundation (Slab)
HeatingThe type of heating system in the home.Forced Air
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 280 ft²Porch · 84 ft²

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

E
Millard Fillmore Elementary SchoolD+
Elementary · Grades PK–5 · 4.0 mi
M
Moravia Junior-Senior High SchoolB+
Middle · Grades 6–12 · 4.3 mi

District: Moravia Central School District

Neighborhood · ZIP 13092These 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.98
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 100.39

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.89%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.14%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.16%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.2,990
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.62 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$71,950
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$87,297
Average tempThe average temperature here across a full year.46°F
Annual precipHow much rain and melted snow falls here in a typical year.40 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

589 State Route 38 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 68% of homes in Locke 13092
  • Has a bigger lot than 80% of homes in Cayuga County
  • Newer than 84% of homes in Cayuga County

What homes are worth in Locke 13092

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

This home
$81K$497K

This home is worth more than 38% of homes in Locke 13092.

How it measures up in Locke 13092

The dot is this home. The mark in the middle is the typical home in Locke 13092.

Estimated value$192,909
CheaperTypical $217,722Pricier

Pricier than 38% of homes nearby

Price per ft²$119
CheaperTypical $139Pricier

Pricier than 32% of homes nearby

Living area1,624 ft²
SmallerTypical 1,500 ft²Bigger

Bigger than 59% of homes nearby

Lot size4 ac
SmallerTypical 2.76 acBigger

Bigger than 61% of homes nearby

Year built1994
OlderTypical 1976Newer

Newer than 75% of homes nearby

How 589 State Route 38 ranks against every home in each area.
MeasureThis homeLocke 13092Cayuga County
Estimated valuepricier than$192,90938% of homes45% of homes
Price per ft²pricier than$11932% of homes42% of homes
Living areabigger than1,624 ft²59% of homes53% of homes
Lot sizebigger than4 ac61% of homes80% of homes
Year builtnewer than199475% of homes84% of homes

About 589 State Route 38

How much is 589 State Route 38, Locke, NY worth?

The TopHap Estimate for 589 State Route 38, Locke, NY is $192,909 as of Aug 30, 2026. The likely range is $175,772 to $210,046. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 589 State Route 38, Locke, NY?

589 State Route 38, Locke, NY has 3 bedrooms, 2 bathrooms, 1,624 square feet of living space and a 4.00-acre lot.

When was 589 State Route 38, Locke, NY built?

589 State Route 38, Locke, NY was built in 1994, making it 32 years old. It is a ranch home. The building has 1 story.

What schools serve 589 State Route 38, Locke, NY?

589 State Route 38, Locke, NY is assigned to Millard Fillmore Elementary School (elementary), rated D+; Moravia Junior-Senior High School (middle), rated B+. All sit in Moravia Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 589 State Route 38, Locke, NY compare to other homes in Locke 13092?

Among the 964 homes in Locke 13092, it is worth more than 38% of them ($192,909 against a typical $217,722), its price per square foot is higher than 32% of them ($119 against a typical $139), it is bigger than 59% of them (1,624 ft² against a typical 1,500 ft²), its lot is bigger than 61% of them (4 ac against a typical 2.76 ac) and it is newer than 75% of them (1994 against a typical 1976). Measured against all of Cayuga County, it is worth more than 45% 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 589 State Route 38, Locke, NY?

The 2025 property tax bill for 589 State Route 38, Locke, NY was $2,177. The county assessed it at $106,000.

More homes on State Route 38

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More homes in Locke 13092

Assigned schools

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