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Residential - Vacant LandResidential
$509,806
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 64How 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 $7,500 on Oct 9, 2024

651 W COTTAGE LN

DE RUYTER, NY 13052
0
Baths
2,614 ft²
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$510K
$328K low$691K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$7,500 · Oct 9, 2024

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$59 (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.$1,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$1,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$1,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$2,760

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.42
39
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.8 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.Residential - Vacant Land
CountyMADISON
Lot (acres)The size of the land the home sits on, from county records.0.06
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

Transaction History(6)

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.

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 more than 93% of homes in De Ruyter 13052
  • Among the smallest lots 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 93% 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$509,806
CheaperTypical $175,560Pricier

Pricier than 93% of homes nearby

Lot size2,614 ft²
SmallerTypical 0.79 acBigger

Smaller than almost all homes nearby

How 651 W Cottage Ln ranks against every home in each area.
MeasureThis homeDe Ruyter 13052Madison County
Estimated valuepricier than$509,80693% of homes92% of homes
Lot sizebigger than2,614 ft²almost no homesalmost no 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 $509,806 as of Oct 21, 2026. The likely range is $328,278 to $691,334. 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 Oct 9, 2024 for $7,500, according to the county's recorded deed. TopHap holds 5 recorded sales for this parcel.

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 93% of them ($509,806 against a typical $175,560) and its lot is bigger than almost none of them (2,614 ft² against a typical 0.79 ac). Measured against all of Madison County, it is worth more than 92% 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 $59. The county assessed it at $1,500.

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Assigned schools

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