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Single Family ResidenceResidential
$159,900$78 / 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 Oct 21, 2026
Last sold for $290,000 on May 16, 2023

651 W COTTAGE LN

DE RUYTER, NY 13052
3
Beds
2.5
Baths
2,050 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.
0.32 ac
Lot SizeThe size of the land the home sits on, from county records.
1960
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$160K
$143K low$177K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$290,000 · May 16, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,258 (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.$185,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$60,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$125,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$185,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$340,386

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.44
53
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.
52
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
83
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.17 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%

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.Cottage
CountyMADISON
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1990
Lot (acres)The size of the land the home sits on, from county records.0.32
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Mat/Raft Foundation (Slab)
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
ViewThe type of view from the property, or another feature of the site that affects value.Waterfront-Not Specified
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 418 ft²

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Foreclosure Filings(3)

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 SchoolC-
Middle · Grades 5–12 · 3.0 mi
E
DeRuyter Elementary SchoolD+
Elementary · Grades PK–4 · 3.0 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

651 W Cottage Ln 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 75% of homes in Madison County
  • Costs less per square foot than 90% of homes in Madison County
  • Bigger than 79% of homes in De Ruyter 13052
  • Has a smaller lot than 73% 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
$61K$699K

This home is worth more than 42% 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$159,900
CheaperTypical $175,560Pricier

Pricier than 42% of homes nearby

Price per ft²$78
CheaperTypical $106Pricier

Pricier than 27% of homes nearby

Living area2,050 ft²
SmallerTypical 1,456 ft²Bigger

Bigger than 79% of homes nearby

Lot size0.32 ac
SmallerTypical 0.79 acBigger

Bigger than 27% of homes nearby

Year built1960
OlderTypical 1958Newer

Newer than 52% of homes nearby

How 651 W Cottage Ln ranks against every home in each area.
MeasureThis homeDe Ruyter 13052Madison County
Estimated valuepricier than$159,90042% of homes25% of homes
Price per ft²pricier than$7827% of homes10% of homes
Living areabigger than2,050 ft²79% of homes74% of homes
Lot sizebigger than0.32 ac27% of homes27% of homes
Year builtnewer than196052% of homes49% of homes

About 651 W Cottage Ln

How much is 651 W Cottage Ln, De Ruyter, NY worth?

The TopHap Estimate for 651 W Cottage Ln, De Ruyter, NY is $159,900 as of Oct 21, 2026. The likely range is $143,037 to $176,763. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 651 W Cottage Ln, De Ruyter, NY last sell?

651 W Cottage Ln, De Ruyter, NY last sold on May 16, 2023 for $290,000, according to the county's recorded deed.

How big is 651 W Cottage Ln, De Ruyter, NY?

651 W Cottage Ln, De Ruyter, NY has 3 bedrooms, 2.5 bathrooms, 2,050 square feet of living space and a 0.32-acre lot.

When was 651 W Cottage Ln, De Ruyter, NY built?

651 W Cottage Ln, De Ruyter, NY was built in 1960, making it 66 years old. It is a cottage home. The building has 2 stories.

What schools serve 651 W Cottage Ln, De Ruyter, NY?

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

How does 651 W Cottage Ln, De Ruyter, NY compare to other homes in De Ruyter 13052?

Among the 1,054 homes in De Ruyter 13052, it is worth more than 42% of them ($159,900 against a typical $175,560), its price per square foot is higher than 27% of them ($78 against a typical $106), it is bigger than 79% of them (2,050 ft² against a typical 1,456 ft²), its lot is bigger than 27% of them (0.32 ac against a typical 0.79 ac) and it is newer than 52% of them (1960 against a typical 1958). Measured against all of Madison County, it is worth more than 25% 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 651 W Cottage Ln, De Ruyter, NY?

The 2026 property tax bill for 651 W Cottage Ln, De Ruyter, NY was $7,258. The county assessed it at $185,000.

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