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Single Family ResidenceResidential
$277,038$163 / 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 94How 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

982 COUNTY ROUTE 3

HANNIBAL, NY 13074
3
Beds
2
Baths
1,700 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.
4 ac
Lot SizeThe size of the land the home sits on, from county records.
1998
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$277K
$260K low$294K 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.$147,038
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$117,630
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.46%
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.$130,000
EMPOWER CU · recorded Dec 28, 2015

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,556 (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.$162,200 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$21,800
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$140,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$162,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$261,613

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.
14
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.
90
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.Contemporary
CountyOswego
Lot (acres)The size of the land the home sits on, from county records.4.00
HeatingThe type of heating system in the home.Forced Air
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.Porch · 144 ft²

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

E
Fairley SchoolD-
Elementary · Grades PK–4 · 3.0 mi
H
Hannibal High SchoolD-
High · Grades 9–12 · 3.2 mi
M
Kenney Middle SchoolC+
Middle · Grades 5–8 · 3.3 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

982 County Route 3 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 87% of homes in Hannibal 13074
  • Costs more per square foot than 80% of homes in Oswego County
  • Bigger than 71% of homes in Hannibal 13074
  • Has a bigger lot than 76% of homes in Oswego County
  • Newer than 87% 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 87% 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$277,038
CheaperTypical $165,161Pricier

Pricier than 87% of homes nearby

Price per ft²$163
CheaperTypical $109Pricier

Pricier than 79% of homes nearby

Living area1,700 ft²
SmallerTypical 1,424 ft²Bigger

Bigger than 71% of homes nearby

Lot size4 ac
SmallerTypical 2.76 acBigger

Bigger than 59% of homes nearby

Year built1998
OlderTypical 1975Newer

Newer than 87% of homes nearby

How 982 County Route 3 ranks against every home in each area.
MeasureThis homeHannibal 13074Oswego County
Estimated valuepricier than$277,03887% of homes84% of homes
Price per ft²pricier than$16379% of homes80% of homes
Living areabigger than1,700 ft²71% of homes66% of homes
Lot sizebigger than4 ac59% of homes76% of homes
Year builtnewer than199887% of homes86% of homes

About 982 County Route 3

How much is 982 County Route 3, Hannibal, NY worth?

The TopHap Estimate for 982 County Route 3, Hannibal, NY is $277,038 as of Jul 14, 2026. The likely range is $259,628 to $294,448. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 982 County Route 3, Hannibal, NY?

982 County Route 3, Hannibal, NY has 3 bedrooms, 2 bathrooms, 1,700 square feet of living space and a 4.00-acre lot.

When was 982 County Route 3, Hannibal, NY built?

982 County Route 3, Hannibal, NY was built in 1998, making it 28 years old. It is a contemporary home. The building has 2 stories.

What schools serve 982 County Route 3, Hannibal, NY?

982 County Route 3, Hannibal, NY is assigned to Fairley School (elementary), rated D-; Hannibal High School (high), 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 982 County Route 3, Hannibal, NY compare to other homes in Hannibal 13074?

Among the 1,551 homes in Hannibal 13074, it is worth more than 87% of them ($277,038 against a typical $165,161), its price per square foot is higher than 79% of them ($163 against a typical $109), it is bigger than 71% of them (1,700 ft² against a typical 1,424 ft²), its lot is bigger than 59% of them (4 ac against a typical 2.76 ac) and it is newer than 87% of them (1998 against a typical 1975). Measured against all of Oswego County, it is worth more than 84% 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 982 County Route 3, Hannibal, NY?

The 2024 property tax bill for 982 County Route 3, Hannibal, NY was $6,556. The county assessed it at $162,200.

Closest homes

More homes in Hannibal 13074

Assigned schools

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