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Single Family ResidenceResidential
$1,497,630$299 / 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 90How 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
Last sold for $92,500 on Jan 10, 2017

98 RIVER RD

ESSEX, CT 06426
4
Beds
4.5
Baths
5,008 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.
3.67 ac
Lot SizeThe size of the land the home sits on, from county records.
1951
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
7
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

$1.5M
$1.3M low$1.7M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$92,500 · Jan 10, 2017
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.$367,630
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$294,104
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.71%
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.$500,000
BANK OF AMERICA · recorded Jan 9, 2009
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.$380,000
MORTGAGE MASTER INC
3rd 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.$250,000

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$16,419 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$881,300 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$273,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$607,600
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$881,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$616,910

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.
19
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
53
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.
16
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.Contemporary
CountyLOWER CONNECTICUT RIVER VALLEY
Lot (acres)The size of the land the home sits on, from county records.3.67
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.No Foundation
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Yes
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

Transaction History(7)

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.

E
Essex Elementary SchoolB+
Elementary · Grades PK–6 · 2.0 mi
H
Valley Regional High SchoolB
High · Grades 9–12 · 2.8 mi
M
John Winthrop Middle SchoolC
Middle · Grades 7–8 · 3.3 mi

District: Regional High School District 04

Neighborhood · ZIP 06426These 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.62
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.117
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.56

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.91%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.38%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.7%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.3,344
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.470 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$103,732
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$142,978
Average tempThe average temperature here across a full year.50°F
Annual precipHow much rain and melted snow falls here in a typical year.50 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.56%

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

98 River 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 98% of homes in Lower Connecticut River Valley County
  • Costs less per square foot than 92% of homes in Essex 06426
  • Among the largest homes in Lower Connecticut River Valley County
  • Has a bigger lot than 94% of homes in Essex 06426
  • Older than 75% of homes in Lower Connecticut River Valley County

What homes are worth in Essex 06426

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

This home
$322K$3.2M

This home is worth more than 86% of homes in Essex 06426.

How it measures up in Essex 06426

The dot is this home. The mark in the middle is the typical home in Essex 06426.

Estimated value$1,497,630
CheaperTypical $865,467Pricier

Pricier than 86% of homes nearby

Price per ft²$299
CheaperTypical $421Pricier

Pricier than 8% of homes nearby

Living area5,008 ft²
SmallerTypical 2,088 ft²Bigger

Bigger than 96% of homes nearby

Lot size3.67 ac
SmallerTypical 0.76 acBigger

Bigger than 94% of homes nearby

Year built1951
OlderTypical 1967Newer

Newer than 33% of homes nearby

How 98 River Rd ranks against every home in each area.
MeasureThis homeEssex 06426Lower Connecticut River Valley County
Estimated valuepricier than$1,497,63086% of homes98% of homes
Price per ft²pricier than$2998% of homes54% of homes
Living areabigger than5,008 ft²96% of homesalmost all homes
Lot sizebigger than3.67 ac94% of homes91% of homes
Year builtnewer than195133% of homes25% of homes

About 98 River Rd

How much is 98 River Rd, Essex, CT worth?

The TopHap Estimate for 98 River Rd, Essex, CT is $1,497,630 as of Jul 14, 2026. The likely range is $1,344,024 to $1,651,236. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 98 River Rd, Essex, CT last sell?

98 River Rd, Essex, CT last sold on Jan 10, 2017 for $92,500, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 98 River Rd, Essex, CT?

98 River Rd, Essex, CT has 4 bedrooms, 4.5 bathrooms, 5,008 square feet of living space and a 3.67-acre lot.

When was 98 River Rd, Essex, CT built?

98 River Rd, Essex, CT was built in 1951, making it 75 years old. It is a contemporary home. The building has 2 stories.

What schools serve 98 River Rd, Essex, CT?

98 River Rd, Essex, CT is assigned to Essex Elementary School (elementary), rated B+; Valley Regional High School (high), rated B; John Winthrop Middle School (middle), rated C. All sit in Regional High School District 04. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 98 River Rd, Essex, CT compare to other homes in Essex 06426?

Among the 1,545 homes in Essex 06426, it is worth more than 86% of them ($1,497,630 against a typical $865,467), its price per square foot is higher than 8% of them ($299 against a typical $421), it is bigger than 96% of them (5,008 ft² against a typical 2,088 ft²), its lot is bigger than 94% of them (3.67 ac against a typical 0.76 ac) and it is newer than 33% of them (1951 against a typical 1967). Measured against all of Lower Connecticut River Valley County, it is worth more than 98% 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 98 River Rd, Essex, CT?

The 2025 property tax bill for 98 River Rd, Essex, CT was $16,419. The county assessed it at $881,300.

Closest homes

More homes in Essex 06426

Assigned schools

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