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Single Family ResidenceResidential
$85,813$74 / 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

986 COUNTY ROUTE 85

OSWEGO, NY 13126
3
Beds
2
Baths
1,152 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.
1 ac
Lot SizeThe size of the land the home sits on, from county records.
1988
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$86K
$73K low$99K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,198 (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.$55,000 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$18,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$37,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$55,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$88,710

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.
88
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.Modular
CountyOswego
Lot (acres)The size of the land the home sits on, from county records.1.00
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Raised (Unspecified)
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.Garage, Detached
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 · 288 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 · 3.5 mi
E
Fairley SchoolD-
Elementary · Grades PK–4 · 3.6 mi
M
Kenney Middle SchoolC+
Middle · Grades 5–8 · 3.8 mi

District: Hannibal Central School District

Neighborhood · ZIP 13126These 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.93
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.92
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.44

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.88%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.19%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.17%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.35,399
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.321 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$68,623
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$86,556
Average tempThe average temperature here across a full year.47°F
Annual precipHow much rain and melted snow falls here in a typical year.42 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.46%

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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

986 County Route 85 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 92% of homes in Oswego County
  • Costs less per square foot than 85% of homes in Oswego County
  • Smaller than 79% of homes in Oswego 13126
  • Has a bigger lot than 67% of homes in Oswego 13126
  • Newer than 83% of homes in Oswego 13126

What homes are worth in Oswego 13126

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

This home
$58K$416K

This home is worth more than 11% of homes in Oswego 13126.

How it measures up in Oswego 13126

The dot is this home. The mark in the middle is the typical home in Oswego 13126.

Estimated value$85,813
CheaperTypical $161,906Pricier

Pricier than 11% of homes nearby

Price per ft²$74
CheaperTypical $103Pricier

Pricier than 19% of homes nearby

Living area1,152 ft²
SmallerTypical 1,544 ft²Bigger

Bigger than 21% of homes nearby

Lot size1 ac
SmallerTypical 0.4 acBigger

Bigger than 67% of homes nearby

Year built1988
OlderTypical 1945Newer

Newer than 83% of homes nearby

How 986 County Route 85 ranks against every home in each area.
MeasureThis homeOswego 13126Oswego County
Estimated valuepricier than$85,81311% of homes8% of homes
Price per ft²pricier than$7419% of homes15% of homes
Living areabigger than1,152 ft²21% of homes28% of homes
Lot sizebigger than1 ac67% of homes48% of homes
Year builtnewer than198883% of homes74% of homes

About 986 County Route 85

How much is 986 County Route 85, Oswego, NY worth?

The TopHap Estimate for 986 County Route 85, Oswego, NY is $85,813 as of Jul 14, 2026. The likely range is $72,673 to $98,953. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 986 County Route 85, Oswego, NY?

986 County Route 85, Oswego, NY has 3 bedrooms, 2 bathrooms, 1,152 square feet of living space and a 1.00-acre lot.

When was 986 County Route 85, Oswego, NY built?

986 County Route 85, Oswego, NY was built in 1988, making it 38 years old. It is a modular home. The building has 1 story.

What schools serve 986 County Route 85, Oswego, NY?

986 County Route 85, Oswego, 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 986 County Route 85, Oswego, NY compare to other homes in Oswego 13126?

Among the 11,485 homes in Oswego 13126, it is worth more than 11% of them ($85,813 against a typical $161,906), its price per square foot is higher than 19% of them ($74 against a typical $103), it is bigger than 21% of them (1,152 ft² against a typical 1,544 ft²), its lot is bigger than 67% of them (1 ac against a typical 0.4 ac) and it is newer than 83% of them (1988 against a typical 1945). Measured against all of Oswego County, it is worth more than 8% 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 986 County Route 85, Oswego, NY?

The 2024 property tax bill for 986 County Route 85, Oswego, NY was $4,198. The county assessed it at $55,000.

More homes on County Route 85

Closest homes

More homes in Oswego 13126

Assigned schools

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