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Seasonal, Cabin, Vacation ResidenceResidential
Last sold for $230,000 on Sep 27, 2017

639 STATE ROUTE 49

BERNHARDS BAY, NY 13028
1
Beds
1
Baths
672 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.
1.66 ac
Lot SizeThe size of the land the home sits on, from county records.
1927
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$230,000 · Sep 27, 2017

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$12,537 (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.$190,000 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$116,900
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$73,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$190,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$316,667

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.42
25
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
9
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
58
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
93
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
29
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.10 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
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.0.2 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.Seasonal, Cabin, Vacation Residence
StyleThe architectural style of the home, such as ranch or colonial.Cottage
CountyOswego
Lot (acres)The size of the land the home sits on, from county records.1.66
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Raised (Unspecified)
HeatingThe type of heating system in the home.Electric
FireplaceWhether the home has a fireplace, and what kind.Yes
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 · 104 ft²Boat access

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
Aura A. Cole Elementary SchoolC-
Elementary · Grades PK–5 · 4.6 mi
M
Central Square Middle SchoolB-
Middle · Grades 6–8 · 10.5 mi
H
Paul V. Moore High SchoolC+
High · Grades 9–12 · 11.4 mi

District: Central Square Central School District

Neighborhood · ZIP 13028These 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.141
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 100.42

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.82%
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.11%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.808
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.40 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$73,879
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$88,846
Average tempThe average temperature here across a full year.46°F
Annual precipHow much rain and melted snow falls here in a typical year.46 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.46%

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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

639 State Route 49 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.

  • Smaller than 96% of homes in Oswego County
  • Older than 82% of homes in Bernhards Bay 13028

How it measures up in Bernhards Bay 13028

The dot is this home. The mark in the middle is the typical home in Bernhards Bay 13028.

Living area672 ft²
SmallerTypical 1,276 ft²Bigger

Bigger than 10% of homes nearby

Lot size1.66 ac
SmallerTypical 1.3 acBigger

Bigger than 56% of homes nearby

Year built1927
OlderTypical 1970Newer

Newer than 18% of homes nearby

How 639 State Route 49 ranks against every home in each area.
MeasureThis homeBernhards Bay 13028Oswego County
Living areabigger than672 ft²10% of homes4% of homes
Lot sizebigger than1.66 ac56% of homes60% of homes
Year builtnewer than192718% of homes29% of homes

About 639 State Route 49

When did 639 State Route 49, Bernhards Bay, NY last sell?

639 State Route 49, Bernhards Bay, NY last sold on Sep 27, 2017 for $230,000, according to the county's recorded deed.

How big is 639 State Route 49, Bernhards Bay, NY?

639 State Route 49, Bernhards Bay, NY has 1 bedrooms, 1 bathrooms, 672 square feet of living space and a 1.66-acre lot.

When was 639 State Route 49, Bernhards Bay, NY built?

639 State Route 49, Bernhards Bay, NY was built in 1927, making it 99 years old. It is a cottage home. The building has 1 story.

What schools serve 639 State Route 49, Bernhards Bay, NY?

639 State Route 49, Bernhards Bay, NY is assigned to Aura A. Cole Elementary School (elementary), rated C-; Central Square Middle School (middle), rated B-; Paul V. Moore High School (high), rated C+. All sit in Central Square Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 639 State Route 49, Bernhards Bay, NY compare to other homes in Bernhards Bay 13028?

Among the 775 homes in Bernhards Bay 13028, it is bigger than 10% of them (672 ft² against a typical 1,276 ft²), its lot is bigger than 56% of them (1.66 ac against a typical 1.3 ac) and it is newer than 18% of them (1927 against a typical 1970). These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 639 State Route 49, Bernhards Bay, NY?

The 2024 property tax bill for 639 State Route 49, Bernhards Bay, NY was $12,537. The county assessed it at $190,000.

More homes on State Route 49

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More homes in Bernhards Bay 13028

Assigned schools

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