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Single Family ResidenceResidential
$467,480$145 / 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

1040 LOCK 4 RD

RIVERSIDE, AL 35135
1.5
Baths
3,228 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.
0.82 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

$467K
$374K low$561K 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.$413,380
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$330,704
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.10%
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.$54,100
REGIONS BK · recorded Apr 1, 2016

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,896 (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.$55,580 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$111,160
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$555,800

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%
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.1 percent flood zone

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
CountyST. CLAIR
Lot (acres)The size of the land the home sits on, from county records.0.82
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Yes
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.Boat access

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

M
Duran South Junior High School
Middle · Grades 7–7 · 8.0 mi
H
Pell City High SchoolC+
High · Grades 9–12 · 8.2 mi
E
Walter M. Kennedy Elementary SchoolB-
Elementary · Grades PK–4 · 8.2 mi

District: Pell City City School District

Neighborhood · ZIP 35135These 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.163
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.84
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.78

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.92%
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.12%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.1,666
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.189 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$57,474
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$85,156
Average tempThe average temperature here across a full year.61°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.58%

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

1040 Lock 4 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 85% of homes in St. Clair County
  • Costs less per square foot than 88% of homes in Riverside 35135
  • Bigger than 96% of homes in Riverside 35135

What homes are worth in Riverside 35135

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

This home
$139K$771K

This home is worth more than 81% of homes in Riverside 35135.

How it measures up in Riverside 35135

The dot is this home. The mark in the middle is the typical home in Riverside 35135.

Estimated value$467,480
CheaperTypical $348,009Pricier

Pricier than 81% of homes nearby

Price per ft²$145
CheaperTypical $198Pricier

Pricier than 12% of homes nearby

Living area3,228 ft²
SmallerTypical 1,740 ft²Bigger

Bigger than 96% of homes nearby

Lot size0.82 ac
SmallerTypical 0.82 acBigger

Bigger than 49% of homes nearby

Year built1998
OlderTypical 1995Newer

Newer than 60% of homes nearby

How 1040 Lock 4 Rd ranks against every home in each area.
MeasureThis homeRiverside 35135St. Clair County
Estimated valuepricier than$467,48081% of homes85% of homes
Price per ft²pricier than$14512% of homes30% of homes
Living areabigger than3,228 ft²96% of homes95% of homes
Lot sizebigger than0.82 ac49% of homes53% of homes
Year builtnewer than199860% of homes48% of homes

About 1040 Lock 4 Rd

How much is 1040 Lock 4 Rd, Riverside, AL worth?

The TopHap Estimate for 1040 Lock 4 Rd, Riverside, AL is $467,480 as of Jul 14, 2026. The likely range is $374,456 to $560,504. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1040 Lock 4 Rd, Riverside, AL last sell?

1040 Lock 4 Rd, Riverside, AL last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 1040 Lock 4 Rd, Riverside, AL?

1040 Lock 4 Rd, Riverside, AL has 1.5 bathrooms, 3,228 square feet of living space and a 0.82-acre lot.

When was 1040 Lock 4 Rd, Riverside, AL built?

1040 Lock 4 Rd, Riverside, AL was built in 1998, making it 28 years old. The building has 2 stories.

What schools serve 1040 Lock 4 Rd, Riverside, AL?

1040 Lock 4 Rd, Riverside, AL is assigned to Duran South Junior High School (middle); Pell City High School (high), rated C+; Walter M. Kennedy Elementary School (elementary), rated B-. All sit in Pell City City School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1040 Lock 4 Rd, Riverside, AL compare to other homes in Riverside 35135?

Among the 736 homes in Riverside 35135, it is worth more than 81% of them ($467,480 against a typical $348,009), its price per square foot is higher than 12% of them ($145 against a typical $198), it is bigger than 96% of them (3,228 ft² against a typical 1,740 ft²), its lot is bigger than 49% of them (0.82 ac against a typical 0.82 ac) and it is newer than 60% of them (1998 against a typical 1995). Measured against all of St. Clair County, it is worth more than 85% 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 1040 Lock 4 Rd, Riverside, AL?

The 2025 property tax bill for 1040 Lock 4 Rd, Riverside, AL was $1,896. The county assessed it at $55,580.

Closest homes

More homes in Riverside 35135

Assigned schools

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