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Single Family ResidenceResidential
$420,998$105 / 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 80How 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

9849 STATE ROUTE 28

POLAND, NY 13431
3
Beds
2 / 1
Baths
4,000 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.
12.4 ac
Lot SizeThe size of the land the home sits on, from county records.
2002
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$421K
$335K low$507K 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.154%
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.$420,000
AMERICU CREDIT UNION · recorded Jul 2, 2007
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.$223,000
AMERICU CREDIT UNION

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,043 (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.$325,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$47,800
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$277,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$325,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$452,017

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.197 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.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Colonial
CountyHerkimer
Lot (acres)The size of the land the home sits on, from county records.12.40
HeatingThe type of heating system in the home.Forced Air
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.Garage, Basement

Transaction History(1)

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
Poland Junior-Senior High SchoolA
Middle · Grades 6–12 · 3.8 mi
E
Poland Elementary SchoolA-
Elementary · Grades PK–5 · 3.8 mi

District: Poland Central School District

Neighborhood · ZIP 13431These 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.110
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.85
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.55

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.16%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.8%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.1,880
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.56 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$85,747
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$97,125
Average tempThe average temperature here across a full year.44°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.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.Yes

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

9849 State Route 28 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 92% of homes in Herkimer County
  • Costs less per square foot than 77% of homes in Poland 13431
  • Among the largest homes in Poland 13431
  • Has a bigger lot than 89% of homes in Herkimer County
  • Newer than 90% of homes in Herkimer County

What homes are worth in Poland 13431

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

This home
$87K$500K

This home is worth more than 91% of homes in Poland 13431.

How it measures up in Poland 13431

The dot is this home. The mark in the middle is the typical home in Poland 13431.

Estimated value$420,998
CheaperTypical $222,712Pricier

Pricier than 91% of homes nearby

Price per ft²$105
CheaperTypical $139Pricier

Pricier than 23% of homes nearby

Living area4,000 ft²
SmallerTypical 1,638 ft²Bigger

Bigger than almost all homes nearby

Lot size12.4 ac
SmallerTypical 2.4 acBigger

Bigger than 81% of homes nearby

Year built2002
OlderTypical 1972Newer

Newer than 86% of homes nearby

How 9849 State Route 28 ranks against every home in each area.
MeasureThis homePoland 13431Herkimer County
Estimated valuepricier than$420,99891% of homes92% of homes
Price per ft²pricier than$10523% of homes37% of homes
Living areabigger than4,000 ft²almost all homesalmost all homes
Lot sizebigger than12.4 ac81% of homes89% of homes
Year builtnewer than200286% of homes90% of homes

About 9849 State Route 28

How much is 9849 State Route 28, Poland, NY worth?

The TopHap Estimate for 9849 State Route 28, Poland, NY is $420,998 as of Jul 14, 2026. The likely range is $335,107 to $506,889. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 9849 State Route 28, Poland, NY?

9849 State Route 28, Poland, NY has 3 bedrooms, 2 bathrooms, 4,000 square feet of living space and a 12.40-acre lot.

When was 9849 State Route 28, Poland, NY built?

9849 State Route 28, Poland, NY was built in 2002, making it 24 years old. It is a colonial home. The building has 2 stories.

What schools serve 9849 State Route 28, Poland, NY?

9849 State Route 28, Poland, NY is assigned to Poland Junior-Senior High School (middle), rated A; Poland Elementary School (elementary), rated A-. All sit in Poland Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 9849 State Route 28, Poland, NY compare to other homes in Poland 13431?

Among the 756 homes in Poland 13431, it is worth more than 91% of them ($420,998 against a typical $222,712), its price per square foot is higher than 23% of them ($105 against a typical $139), it is bigger than almost all of them (4,000 ft² against a typical 1,638 ft²), its lot is bigger than 81% of them (12.4 ac against a typical 2.4 ac) and it is newer than 86% of them (2002 against a typical 1972). Measured against all of Herkimer 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 9849 State Route 28, Poland, NY?

The 2024 property tax bill for 9849 State Route 28, Poland, NY was $7,043. The county assessed it at $325,000.

Closest homes

More homes in Poland 13431

Assigned schools

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