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Single Family ResidenceResidential
$242,148$100 / 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 87How 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

965 RAY RD

PENN RUN, PA 15765
5
Beds
2
Baths
2,412 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.
0.71 ac
Lot SizeThe size of the land the home sits on, from county records.
1990
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
9
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$242K
$212K low$273K 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.$242,148
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$193,718

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,673 (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.$157,400 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$21,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$136,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$157,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$157,400

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.39
1
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.
71
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
93
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
25
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
CountyINDIANA
Lot (acres)The size of the land the home sits on, from county records.0.71
HeatingThe type of heating system in the home.Electric
FireplaceWhether the home has a fireplace, and what kind.Yes
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.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 364 ft²Shed · 98 ft²Porch · 50 ft²

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

E
Penns Manor Area Elementary SchoolB
Elementary · Grades PK–5 · 5.6 mi
M
Penns Manor Area Jr. / Sr. SchoolC+
Middle · Grades 6–12 · 5.6 mi

District: Penns Manor Area School District

Neighborhood · ZIP 15765These 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.123
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.88
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.30

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.12%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.11%
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.1,893
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.48 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$71,862
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$81,427
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.48 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.45%

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

965 Ray 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 more than 73% of homes in Indiana County
  • Costs less per square foot than 75% of homes in Penn Run 15765
  • Bigger than 90% of homes in Penn Run 15765
  • Has a smaller lot than 84% of homes in Penn Run 15765
  • Newer than 82% of homes in Indiana County

What homes are worth in Penn Run 15765

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

This home
$67K$548K

This home is worth more than 64% of homes in Penn Run 15765.

How it measures up in Penn Run 15765

The dot is this home. The mark in the middle is the typical home in Penn Run 15765.

Estimated value$242,148
CheaperTypical $213,068Pricier

Pricier than 64% of homes nearby

Price per ft²$100
CheaperTypical $139Pricier

Pricier than 25% of homes nearby

Living area2,412 ft²
SmallerTypical 1,440 ft²Bigger

Bigger than 90% of homes nearby

Lot size0.71 ac
SmallerTypical 2.35 acBigger

Bigger than 16% of homes nearby

Year built1990
OlderTypical 1977Newer

Newer than 75% of homes nearby

How 965 Ray Rd ranks against every home in each area.
MeasureThis homePenn Run 15765Indiana County
Estimated valuepricier than$242,14864% of homes73% of homes
Price per ft²pricier than$10025% of homes40% of homes
Living areabigger than2,412 ft²90% of homes90% of homes
Lot sizebigger than0.71 ac16% of homes51% of homes
Year builtnewer than199075% of homes82% of homes

About 965 Ray Rd

How much is 965 Ray Rd, Penn Run, PA worth?

The TopHap Estimate for 965 Ray Rd, Penn Run, PA is $242,148 as of Jul 14, 2026. The likely range is $211,643 to $272,653. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 965 Ray Rd, Penn Run, PA last sell?

965 Ray Rd, Penn Run, PA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 965 Ray Rd, Penn Run, PA?

965 Ray Rd, Penn Run, PA has 5 bedrooms, 2 bathrooms, 2,412 square feet of living space and a 0.71-acre lot.

When was 965 Ray Rd, Penn Run, PA built?

965 Ray Rd, Penn Run, PA was built in 1990, making it 36 years old. The building has 1 story.

What schools serve 965 Ray Rd, Penn Run, PA?

965 Ray Rd, Penn Run, PA is assigned to Penns Manor Area Elementary School (elementary), rated B; Penns Manor Area Jr. / Sr. School (middle), rated C+. All sit in Penns Manor Area School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 965 Ray Rd, Penn Run, PA compare to other homes in Penn Run 15765?

Among the 739 homes in Penn Run 15765, it is worth more than 64% of them ($242,148 against a typical $213,068), its price per square foot is higher than 25% of them ($100 against a typical $139), it is bigger than 90% of them (2,412 ft² against a typical 1,440 ft²), its lot is bigger than 16% of them (0.71 ac against a typical 2.35 ac) and it is newer than 75% of them (1990 against a typical 1977). Measured against all of Indiana County, it is worth more than 73% 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 965 Ray Rd, Penn Run, PA?

The 2026 property tax bill for 965 Ray Rd, Penn Run, PA was $2,673. The county assessed it at $157,400.

Closest homes

More homes in Penn Run 15765

Assigned schools

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