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Single Family ResidenceResidential
$256,867$251 / 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 81How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

1038 STEPHENS RD

RAMER, AL 36069
1
Baths
1,025 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.
39.08 ac
Lot SizeThe size of the land the home sits on, from county records.
1972
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$257K
$209K low$305K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$543 (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.$29,400 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$20,540
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$8,860
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$24,580
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$147,000

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.53
57
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
33
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
96
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
74
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
9
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.20 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
CountyMontgomery
Lot (acres)The size of the land the home sits on, from county records.39.08
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
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.Shingle
HeatingThe type of heating system in the home.None
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 · 72 ft²

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

E
Dunbar - Ramer School
Elementary · Grades KG–8 · 6.1 mi
H
Park Crossing High SchoolC-
High · Grades 9–12 · 15.9 mi

District: Montgomery County School District

Neighborhood · ZIP 36069These 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.126
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.72
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.29

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.85%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.13%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.15%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.2,326
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.15 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$54,110
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$72,759
Average tempThe average temperature here across a full year.65°F
Annual precipHow much rain and melted snow falls here in a typical year.55 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.59%

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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

1038 Stephens 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 73% of homes in Ramer 36069
  • Among the highest price per square foot in Montgomery County
  • Smaller than 92% of homes in Montgomery County
  • Among the largest lots in Montgomery County

What homes are worth in Ramer 36069

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

This home
$43K$616K

This home is worth more than 73% of homes in Ramer 36069.

How it measures up in Ramer 36069

The dot is this home. The mark in the middle is the typical home in Ramer 36069.

Estimated value$256,867
CheaperTypical $175,211Pricier

Pricier than 73% of homes nearby

Price per ft²$251
CheaperTypical $106Pricier

Pricier than 95% of homes nearby

Living area1,025 ft²
SmallerTypical 1,508 ft²Bigger

Bigger than 18% of homes nearby

Lot size39.08 ac
SmallerTypical 5.2 acBigger

Bigger than 83% of homes nearby

Year built1972
OlderTypical 1972Newer

Newer than 50% of homes nearby

How 1038 Stephens Rd ranks against every home in each area.
MeasureThis homeRamer 36069Montgomery County
Estimated valuepricier than$256,86773% of homes73% of homes
Price per ft²pricier than$25195% of homesalmost all homes
Living areabigger than1,025 ft²18% of homes8% of homes
Lot sizebigger than39.08 ac83% of homesalmost all homes
Year builtnewer than197250% of homes46% of homes

About 1038 Stephens Rd

How much is 1038 Stephens Rd, Ramer, AL worth?

The TopHap Estimate for 1038 Stephens Rd, Ramer, AL is $256,867 as of Aug 30, 2026. The likely range is $208,603 to $305,131. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 1038 Stephens Rd, Ramer, AL?

1038 Stephens Rd, Ramer, AL has 1 bathrooms, 1,025 square feet of living space and a 39.08-acre lot.

When was 1038 Stephens Rd, Ramer, AL built?

1038 Stephens Rd, Ramer, AL was built in 1972, making it 54 years old. The building has 1 story.

What schools serve 1038 Stephens Rd, Ramer, AL?

1038 Stephens Rd, Ramer, AL is assigned to Dunbar - Ramer School (elementary); Park Crossing High School (high), rated C-. All sit in Montgomery County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1038 Stephens Rd, Ramer, AL compare to other homes in Ramer 36069?

Among the 892 homes in Ramer 36069, it is worth more than 73% of them ($256,867 against a typical $175,211), its price per square foot is higher than 95% of them ($251 against a typical $106), it is bigger than 18% of them (1,025 ft² against a typical 1,508 ft²), its lot is bigger than 83% of them (39.08 ac against a typical 5.2 ac) and it is newer than 50% of them (1972 against a typical 1972). Measured against all of Montgomery County, it is worth more than 73% 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 1038 Stephens Rd, Ramer, AL?

The 2025 property tax bill for 1038 Stephens Rd, Ramer, AL was $543. The county assessed it at $29,400.

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Assigned schools

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