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Single Family ResidenceResidential
$163,552$91 / 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 89How 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

644 STATE ROUTE 49

BERNHARDS BAY, NY 13028
3
Beds
2 / 1
Baths
1,792 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.
0.49 ac
Lot SizeThe size of the land the home sits on, from county records.
1952
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$164K
$145K low$182K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,004 (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.$65,100 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$10,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$55,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$65,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$108,500

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
10
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.9 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.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.Ranch
CountyOswego
Lot (acres)The size of the land the home sits on, from county records.0.49
HeatingThe type of heating system in the home.Forced Air
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 · 72 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
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

644 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.

  • Worth less than 73% of homes in Bernhards Bay 13028
  • Costs less per square foot than 90% of homes in Bernhards Bay 13028
  • Bigger than 78% of homes in Bernhards Bay 13028
  • Has a smaller lot than 72% of homes in Bernhards Bay 13028

What homes are worth in Bernhards Bay 13028

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

This home
$81K$703K

This home is worth more than 27% 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.

Estimated value$163,552
CheaperTypical $222,080Pricier

Pricier than 27% of homes nearby

Price per ft²$91
CheaperTypical $149Pricier

Pricier than 10% of homes nearby

Living area1,792 ft²
SmallerTypical 1,276 ft²Bigger

Bigger than 78% of homes nearby

Lot size0.49 ac
SmallerTypical 1.3 acBigger

Bigger than 28% of homes nearby

Year built1952
OlderTypical 1970Newer

Newer than 38% of homes nearby

How 644 State Route 49 ranks against every home in each area.
MeasureThis homeBernhards Bay 13028Oswego County
Estimated valuepricier than$163,55227% of homes44% of homes
Price per ft²pricier than$9110% of homes29% of homes
Living areabigger than1,792 ft²78% of homes71% of homes
Lot sizebigger than0.49 ac28% of homes33% of homes
Year builtnewer than195238% of homes39% of homes

About 644 State Route 49

How much is 644 State Route 49, Bernhards Bay, NY worth?

The TopHap Estimate for 644 State Route 49, Bernhards Bay, NY is $163,552 as of Jul 14, 2026. The likely range is $145,323 to $181,781. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 644 State Route 49, Bernhards Bay, NY?

644 State Route 49, Bernhards Bay, NY has 3 bedrooms, 2 bathrooms, 1,792 square feet of living space and a 0.49-acre lot.

When was 644 State Route 49, Bernhards Bay, NY built?

644 State Route 49, Bernhards Bay, NY was built in 1952, making it 74 years old. It is a ranch home. The building has 1 story.

What schools serve 644 State Route 49, Bernhards Bay, NY?

644 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 644 State Route 49, Bernhards Bay, NY compare to other homes in Bernhards Bay 13028?

Among the 775 homes in Bernhards Bay 13028, it is worth more than 27% of them ($163,552 against a typical $222,080), its price per square foot is higher than 10% of them ($91 against a typical $149), it is bigger than 78% of them (1,792 ft² against a typical 1,276 ft²), its lot is bigger than 28% of them (0.49 ac against a typical 1.3 ac) and it is newer than 38% of them (1952 against a typical 1970). Measured against all of Oswego County, it is worth more than 44% 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 644 State Route 49, Bernhards Bay, NY?

The 2024 property tax bill for 644 State Route 49, Bernhards Bay, NY was $3,004. The county assessed it at $65,100.

More homes on State Route 49

Closest homes

More homes in Bernhards Bay 13028

Assigned schools

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