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Rural ResidenceResidential
$125,093$53 / 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 Sep 24, 2026
Last sold for $43,000 on Oct 11, 1995

645 UNION VALLEY RD

DE RUYTER, NY 13052
4
Beds
1
Baths
2,370 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.
19.28 ac
Lot SizeThe size of the land the home sits on, from county records.
1870
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$125K
$111K low$139K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$43,000 · Oct 11, 1995

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,190 (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.$44,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$19,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$25,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$44,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$123,611

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.30
1
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.
51
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
84
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.
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.Rural Residence
StyleThe architectural style of the home, such as ranch or colonial.Traditional/Old
CountyCHENANGO
Lot (acres)The size of the land the home sits on, from county records.19.28
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
PoolWhether the property has a pool, and what kind, such as in-ground.No

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

M
DeRuyter Middle/High SchoolB+
Middle · Grades 5–12 · 5.7 mi
E
DeRuyter Elementary SchoolC-
Elementary · Grades PK–4 · 5.7 mi

District: Deruyter Central School District

Neighborhood · ZIP 13052These 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.151
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.86
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.43

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.75%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.13%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.13%
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.1,324
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.22 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$75,568
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$82,177
Average tempThe average temperature here across a full year.44°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.48%

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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

645 Union Valley Rd 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 74% of homes in De Ruyter 13052
  • Costs less per square foot than 91% of homes in De Ruyter 13052
  • Bigger than 90% of homes in De Ruyter 13052
  • Has a bigger lot than 88% of homes in De Ruyter 13052
  • Older than 87% of homes in De Ruyter 13052

What homes are worth in De Ruyter 13052

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

This home
$60K$645K

This home is worth more than 26% of homes in De Ruyter 13052.

How it measures up in De Ruyter 13052

The dot is this home. The mark in the middle is the typical home in De Ruyter 13052.

Estimated value$125,093
CheaperTypical $172,349Pricier

Pricier than 26% of homes nearby

Price per ft²$53
CheaperTypical $103Pricier

Pricier than 9% of homes nearby

Living area2,370 ft²
SmallerTypical 1,456 ft²Bigger

Bigger than 90% of homes nearby

Lot size19.28 ac
SmallerTypical 0.79 acBigger

Bigger than 88% of homes nearby

Year built1870
OlderTypical 1957Newer

Newer than 13% of homes nearby

How 645 Union Valley Rd ranks against every home in each area.
MeasureThis homeDe Ruyter 13052Chenango County
Estimated valuepricier than$125,09326% of homes37% of homes
Price per ft²pricier than$539% of homes12% of homes
Living areabigger than2,370 ft²90% of homes87% of homes
Lot sizebigger than19.28 ac88% of homes84% of homes
Year builtnewer than187013% of homes13% of homes

About 645 Union Valley Rd

How much is 645 Union Valley Rd, De Ruyter, NY worth?

The TopHap Estimate for 645 Union Valley Rd, De Ruyter, NY is $125,093 as of Sep 24, 2026. The likely range is $111,499 to $138,687. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 645 Union Valley Rd, De Ruyter, NY last sell?

645 Union Valley Rd, De Ruyter, NY last sold on Oct 11, 1995 for $43,000, according to the county's recorded deed.

How big is 645 Union Valley Rd, De Ruyter, NY?

645 Union Valley Rd, De Ruyter, NY has 4 bedrooms, 1 bathrooms, 2,370 square feet of living space and a 19.28-acre lot.

When was 645 Union Valley Rd, De Ruyter, NY built?

645 Union Valley Rd, De Ruyter, NY was built in 1870, making it 156 years old. It is a traditional/old home. The building has 2 stories.

What schools serve 645 Union Valley Rd, De Ruyter, NY?

645 Union Valley Rd, De Ruyter, NY is assigned to DeRuyter Middle/High School (middle), rated B+; DeRuyter Elementary School (elementary), rated C-. All sit in Deruyter Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 645 Union Valley Rd, De Ruyter, NY compare to other homes in De Ruyter 13052?

Among the 1,052 homes in De Ruyter 13052, it is worth more than 26% of them ($125,093 against a typical $172,349), its price per square foot is higher than 9% of them ($53 against a typical $103), it is bigger than 90% of them (2,370 ft² against a typical 1,456 ft²), its lot is bigger than 88% of them (19.28 ac against a typical 0.79 ac) and it is newer than 13% of them (1870 against a typical 1957). Measured against all of Chenango County, it is worth more than 37% 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 645 Union Valley Rd, De Ruyter, NY?

The 2026 property tax bill for 645 Union Valley Rd, De Ruyter, NY was $3,190. The county assessed it at $44,500.

More homes on Union Valley Rd

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Assigned schools

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