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Single Family ResidenceResidential
$144,914$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 92How 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

103 S INSTITUTE ST

RICHMOND, MO 64085
4
Beds
1
Baths
1,379 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.
0.19 ac
Lot SizeThe size of the land the home sits on, from county records.
1920
Year BuiltThe year the home was originally built, according to county records.
1
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.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$145K
$134K low$156K 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.$144,914
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$115,931

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$935 (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.$13,130 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$1,520
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$11,610
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$13,130
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$69,090

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.37
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
22
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
76
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
69
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
17
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

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
CountyRay
Lot (acres)The size of the land the home sits on, from county records.0.19
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Concrete
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Yes
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.Carport (Unspecified)
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 110 ft²Patio · 336 ft²Porch · 96 ft²

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

E
Dear Elementary School
Elementary · Grades PK–1 · 0.1 mi
H
Richmond High SchoolC-
High · Grades 9–12 · 0.6 mi
M
Richmond Middle SchoolB-
Middle · Grades 6–8 · 0.8 mi

District: Richmond R-Xvi School District

Neighborhood · ZIP 64085These 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.141
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.81
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.23

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.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.9.2%
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.1.0%
PopulationHow many people live in this area.9,273
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.$69,934
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$81,751
Average tempThe average temperature here across a full year.54°F
Annual precipHow much rain and melted snow falls here in a typical year.40 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.61%

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

103 S Institute St 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 80% of homes in Ray County
  • Costs less per square foot than 81% of homes in Richmond 64085
  • Has a smaller lot than 92% of homes in Ray County
  • Older than 85% of homes in Ray County

What homes are worth in Richmond 64085

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

This home
$102K$462K

This home is worth more than 21% of homes in Richmond 64085.

How it measures up in Richmond 64085

The dot is this home. The mark in the middle is the typical home in Richmond 64085.

Estimated value$144,914
CheaperTypical $191,961Pricier

Pricier than 21% of homes nearby

Price per ft²$105
CheaperTypical $130Pricier

Pricier than 19% of homes nearby

Living area1,379 ft²
SmallerTypical 1,500 ft²Bigger

Bigger than 44% of homes nearby

Lot size0.19 ac
SmallerTypical 0.43 acBigger

Bigger than 10% of homes nearby

Year built1920
OlderTypical 1966Newer

Newer than 19% of homes nearby

How 103 S Institute St ranks against every home in each area.
MeasureThis homeRichmond 64085Ray County
Estimated valuepricier than$144,91421% of homes20% of homes
Price per ft²pricier than$10519% of homes19% of homes
Living areabigger than1,379 ft²44% of homes41% of homes
Lot sizebigger than0.19 ac10% of homes8% of homes
Year builtnewer than192019% of homes15% of homes

About 103 S Institute St

How much is 103 S Institute St, Richmond, MO worth?

The TopHap Estimate for 103 S Institute St, Richmond, MO is $144,914 as of Jul 14, 2026. The likely range is $133,830 to $155,998. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 103 S Institute St, Richmond, MO?

103 S Institute St, Richmond, MO has 4 bedrooms, 1 bathrooms, 1,379 square feet of living space and a 0.19-acre lot.

When was 103 S Institute St, Richmond, MO built?

103 S Institute St, Richmond, MO was built in 1920, making it 106 years old. The building has 1 story.

What schools serve 103 S Institute St, Richmond, MO?

103 S Institute St, Richmond, MO is assigned to Dear Elementary School (elementary); Richmond High School (high), rated C-; Richmond Middle School (middle), rated B-. All sit in Richmond R-Xvi School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 103 S Institute St, Richmond, MO compare to other homes in Richmond 64085?

Among the 3,418 homes in Richmond 64085, it is worth more than 21% of them ($144,914 against a typical $191,961), its price per square foot is higher than 19% of them ($105 against a typical $130), it is bigger than 44% of them (1,379 ft² against a typical 1,500 ft²), its lot is bigger than 10% of them (0.19 ac against a typical 0.43 ac) and it is newer than 19% of them (1920 against a typical 1966). Measured against all of Ray County, it is worth more than 20% 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 103 S Institute St, Richmond, MO?

The 2024 property tax bill for 103 S Institute St, Richmond, MO was $935. The county assessed it at $13,130.

Closest homes

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Assigned schools

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