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Single Family ResidenceResidential
$98,329$72 / 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 85How 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

8581 STATE ROUTE 104

HANNIBAL, NY 13074
3
Beds
2 / 1
Baths
1,364 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.
0.6 ac
Lot SizeThe size of the land the home sits on, from county records.
1959
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$98K
$84K low$113K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$0
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$0
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.113%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$65,025
EMPOWER CU · recorded Nov 19, 2012
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$45,000
NBT BANK NATIONAL ASSOCIATION

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,924 (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.$66,500 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$13,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$53,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$66,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$107,258

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.36
1
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.
55
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.
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.0.60
HeatingThe type of heating system in the home.Forced Air
GarageWhether the property has a garage, and details like whether it is attached to the home.Mixed
PoolWhether the property has a pool, and what kind, such as in-ground.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 137 ft²

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

H
Hannibal High SchoolD-
High · Grades 9–12 · 2.4 mi
E
Fairley SchoolD-
Elementary · Grades PK–4 · 2.8 mi
M
Kenney Middle SchoolC+
Middle · Grades 5–8 · 2.8 mi

District: Hannibal Central School District

Neighborhood · ZIP 13074These 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.109
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.95
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.38

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.90%
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.18%
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.4,724
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.109 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$70,439
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$82,243
Average tempThe average temperature here across a full year.47°F
Annual precipHow much rain and melted snow falls here in a typical year.41 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.46%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

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

8581 State Route 104 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 88% of homes in Hannibal 13074
  • Costs less per square foot than 86% of homes in Oswego County
  • Has a smaller lot than 93% of homes in Hannibal 13074

What homes are worth in Hannibal 13074

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

This home
$59K$393K

This home is worth more than 12% of homes in Hannibal 13074.

How it measures up in Hannibal 13074

The dot is this home. The mark in the middle is the typical home in Hannibal 13074.

Estimated value$98,329
CheaperTypical $165,161Pricier

Pricier than 12% of homes nearby

Price per ft²$72
CheaperTypical $109Pricier

Pricier than 15% of homes nearby

Living area1,364 ft²
SmallerTypical 1,424 ft²Bigger

Bigger than 46% of homes nearby

Lot size0.6 ac
SmallerTypical 2.76 acBigger

Bigger than 7% of homes nearby

Year built1959
OlderTypical 1975Newer

Newer than 36% of homes nearby

How 8581 State Route 104 ranks against every home in each area.
MeasureThis homeHannibal 13074Oswego County
Estimated valuepricier than$98,32912% of homes12% of homes
Price per ft²pricier than$7215% of homes14% of homes
Living areabigger than1,364 ft²46% of homes43% of homes
Lot sizebigger than0.6 ac7% of homes36% of homes
Year builtnewer than195936% of homes43% of homes

About 8581 State Route 104

How much is 8581 State Route 104, Hannibal, NY worth?

The TopHap Estimate for 8581 State Route 104, Hannibal, NY is $98,329 as of Jul 14, 2026. The likely range is $83,685 to $112,973. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 8581 State Route 104, Hannibal, NY?

8581 State Route 104, Hannibal, NY has 3 bedrooms, 2 bathrooms, 1,364 square feet of living space and a 0.60-acre lot.

When was 8581 State Route 104, Hannibal, NY built?

8581 State Route 104, Hannibal, NY was built in 1959, making it 67 years old. It is a ranch home. The building has 1 story.

What schools serve 8581 State Route 104, Hannibal, NY?

8581 State Route 104, Hannibal, NY is assigned to Hannibal High School (high), rated D-; Fairley School (elementary), rated D-; Kenney Middle School (middle), rated C+. All sit in Hannibal Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 8581 State Route 104, Hannibal, NY compare to other homes in Hannibal 13074?

Among the 1,551 homes in Hannibal 13074, it is worth more than 12% of them ($98,329 against a typical $165,161), its price per square foot is higher than 15% of them ($72 against a typical $109), it is bigger than 46% of them (1,364 ft² against a typical 1,424 ft²), its lot is bigger than 7% of them (0.6 ac against a typical 2.76 ac) and it is newer than 36% of them (1959 against a typical 1975). Measured against all of Oswego County, it is worth more than 12% 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 8581 State Route 104, Hannibal, NY?

The 2024 property tax bill for 8581 State Route 104, Hannibal, NY was $2,924. The county assessed it at $66,500.

Closest homes

More homes in Hannibal 13074

Assigned schools

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