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Single Family ResidenceResidential
$424,243$190 / 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

646 RIDGE RD

OSWEGO, NY 13126
3
Beds
3 / 1
Baths
2,232 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.
46.75 ac
Lot SizeThe size of the land the home sits on, from county records.
2017
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
4
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$424K
$388K low$460K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$10,126 (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.$278,200 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$58,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$220,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$278,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$456,066

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
99
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
16
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.
87
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
21
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.Colonial
CountyOswego
Lot (acres)The size of the land the home sits on, from county records.46.75
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
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 · 292 ft²

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

M
Oswego Middle SchoolB
Middle · Grades 7–8 · 1.9 mi
E
Minetto Elementary SchoolB
Elementary · Grades PK–6 · 1.9 mi
H
Oswego High SchoolD+
High · Grades 9–12 · 3.3 mi

District: Oswego City School District

Neighborhood · ZIP 13126These 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.93
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.92
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.44

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.88%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.19%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.17%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.35,399
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.321 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$68,623
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$86,556
Average tempThe average temperature here across a full year.47°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.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

646 Ridge 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.

  • Among the most valuable homes in Oswego 13126
  • Costs more per square foot than 96% of homes in Oswego 13126
  • Bigger than 89% of homes in Oswego County
  • Among the largest lots in Oswego 13126
  • Among the newest homes in Oswego 13126

What homes are worth in Oswego 13126

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

This home
$59K$408K

This home is worth more than almost all homes in Oswego 13126.

How it measures up in Oswego 13126

The dot is this home. The mark in the middle is the typical home in Oswego 13126.

Estimated value$424,243
CheaperTypical $161,092Pricier

Pricier than almost all homes nearby

Price per ft²$190
CheaperTypical $104Pricier

Pricier than 96% of homes nearby

Living area2,232 ft²
SmallerTypical 1,534 ft²Bigger

Bigger than 85% of homes nearby

Lot size46.75 ac
SmallerTypical 0.42 acBigger

Bigger than almost all homes nearby

Year built2017
OlderTypical 1941Newer

Newer than almost all homes nearby

How 646 Ridge Rd ranks against every home in each area.
MeasureThis homeOswego 13126Oswego County
Estimated valuepricier than$424,243almost all homes97% of homes
Price per ft²pricier than$19096% of homes90% of homes
Living areabigger than2,232 ft²85% of homes89% of homes
Lot sizebigger than46.75 acalmost all homes97% of homes
Year builtnewer than2017almost all homes98% of homes

About 646 Ridge Rd

How much is 646 Ridge Rd, Oswego, NY worth?

The TopHap Estimate for 646 Ridge Rd, Oswego, NY is $424,243 as of Aug 30, 2026. The likely range is $388,006 to $460,480. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 646 Ridge Rd, Oswego, NY?

646 Ridge Rd, Oswego, NY has 3 bedrooms, 3 bathrooms, 2,232 square feet of living space and a 46.75-acre lot.

When was 646 Ridge Rd, Oswego, NY built?

646 Ridge Rd, Oswego, NY was built in 2017, making it 9 years old. It is a colonial home. The building has 2 stories.

What schools serve 646 Ridge Rd, Oswego, NY?

646 Ridge Rd, Oswego, NY is assigned to Oswego Middle School (middle), rated B; Minetto Elementary School (elementary), rated B; Oswego High School (high), rated D+. All sit in Oswego City School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 646 Ridge Rd, Oswego, NY compare to other homes in Oswego 13126?

Among the 11,486 homes in Oswego 13126, it is worth more than almost all of them ($424,243 against a typical $161,092), its price per square foot is higher than 96% of them ($190 against a typical $104), it is bigger than 85% of them (2,232 ft² against a typical 1,534 ft²), its lot is bigger than almost all of them (46.75 ac against a typical 0.42 ac) and it is newer than almost all of them (2017 against a typical 1941). Measured against all of Oswego County, it is worth more than 97% 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 646 Ridge Rd, Oswego, NY?

The 2024 property tax bill for 646 Ridge Rd, Oswego, NY was $10,126. The county assessed it at $278,200.

More homes on Ridge Rd

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More homes in Oswego 13126

Assigned schools

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