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Rural ResidenceResidential
$161,102$144 / 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 92How 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

641 STATE ROUTE 23

CINCINNATUS, NY 13040
3
Beds
1
Baths
1,120 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.
26.36 ac
Lot SizeThe size of the land the home sits on, from county records.
1978
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$161K
$149K low$174K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$55,702
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$44,562
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.60%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$105,400
CFCU CMNTY CU · recorded Aug 5, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,231 (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.$44,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$16,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$27,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$44,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$151,724

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.51
97
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.
54
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.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.135 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.Rural Residence
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountyChenango
Lot (acres)The size of the land the home sits on, from county records.26.36
HeatingThe type of heating system in the home.None
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 84 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.

H
Cincinnatus High SchoolB+
High · Grades 9–12 · 3.8 mi
M
Cincinnatus Middle SchoolA-
Middle · Grades 5–8 · 3.8 mi
E
Cincinnatus Elementary SchoolB
Elementary · Grades PK–4 · 3.8 mi

District: Cincinnatus Central School District

Neighborhood · ZIP 13040These 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.123
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.89
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.81%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.7.8%
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.2,551
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.28 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$66,474
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$82,641
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%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

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

641 State Route 23 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 more per square foot than 80% of homes in Chenango County
  • Smaller than 71% of homes in Chenango County
  • Has a bigger lot than 87% of homes in Chenango County
  • Newer than 69% of homes in Chenango County

What homes are worth in Cincinnatus 13040

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

This home
$55K$444K

This home is worth more than 56% of homes in Cincinnatus 13040.

How it measures up in Cincinnatus 13040

The dot is this home. The mark in the middle is the typical home in Cincinnatus 13040.

Estimated value$161,102
CheaperTypical $148,699Pricier

Pricier than 56% of homes nearby

Price per ft²$144
CheaperTypical $105Pricier

Pricier than 79% of homes nearby

Living area1,120 ft²
SmallerTypical 1,456 ft²Bigger

Bigger than 30% of homes nearby

Lot size26.36 ac
SmallerTypical 4.46 acBigger

Bigger than 81% of homes nearby

Year built1978
OlderTypical 1970Newer

Newer than 60% of homes nearby

How 641 State Route 23 ranks against every home in each area.
MeasureThis homeCincinnatus 13040Chenango County
Estimated valuepricier than$161,10256% of homes53% of homes
Price per ft²pricier than$14479% of homes80% of homes
Living areabigger than1,120 ft²30% of homes29% of homes
Lot sizebigger than26.36 ac81% of homes87% of homes
Year builtnewer than197860% of homes69% of homes

About 641 State Route 23

How much is 641 State Route 23, Cincinnatus, NY worth?

The TopHap Estimate for 641 State Route 23, Cincinnatus, NY is $161,102 as of Jul 14, 2026. The likely range is $148,665 to $173,539. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 641 State Route 23, Cincinnatus, NY?

641 State Route 23, Cincinnatus, NY has 3 bedrooms, 1 bathrooms, 1,120 square feet of living space and a 26.36-acre lot.

When was 641 State Route 23, Cincinnatus, NY built?

641 State Route 23, Cincinnatus, NY was built in 1978, making it 48 years old. It is a ranch home. The building has 1 story.

What schools serve 641 State Route 23, Cincinnatus, NY?

641 State Route 23, Cincinnatus, NY is assigned to Cincinnatus High School (high), rated B+; Cincinnatus Middle School (middle), rated A-; Cincinnatus Elementary School (elementary), rated B. All sit in Cincinnatus Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 641 State Route 23, Cincinnatus, NY compare to other homes in Cincinnatus 13040?

Among the 1,261 homes in Cincinnatus 13040, it is worth more than 56% of them ($161,102 against a typical $148,699), its price per square foot is higher than 79% of them ($144 against a typical $105), it is bigger than 30% of them (1,120 ft² against a typical 1,456 ft²), its lot is bigger than 81% of them (26.36 ac against a typical 4.46 ac) and it is newer than 60% of them (1978 against a typical 1970). Measured against all of Chenango County, it is worth more than 53% 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 641 State Route 23, Cincinnatus, NY?

The 2025 property tax bill for 641 State Route 23, Cincinnatus, NY was $3,231. The county assessed it at $44,000.

Closest homes

More homes in Cincinnatus 13040

Assigned schools

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