Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$103,844$120 / 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 77How 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 RICHARD ST

MIAMISBURG, OH 45342
2
Beds
1
Baths
864 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.
0.39 ac
Lot SizeThe size of the land the home sits on, from county records.
1940
Year BuiltThe year the home was originally built, according to county records.
1
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.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$104K
$80K low$127K 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.$53,844
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$43,075
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.50%
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.$50,000
PNC BANK NA · recorded Jul 13, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,933 (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.$29,480 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$8,170
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$21,310
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$29,480
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$84,210

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.9 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.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.Bungalow
CountyMontgomery
Lot (acres)The size of the land the home sits on, from county records.0.39
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
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.Central
CoolingThe type of cooling or air conditioning in the home.Central
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, 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.Deck · 450 ft²

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

E
Mark Twain Elementary
Elementary · Grades KG–5 · 0.1 mi
H
Miamisburg High SchoolB+
High · Grades 9–12 · 1.8 mi
M
Miamisburg Middle SchoolB
Middle · Grades 6–8 · 1.9 mi

District: Miamisburg City School District

Neighborhood · ZIP 45342These 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.67
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.210
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.41

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.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.23%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.0%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.6%
PopulationHow many people live in this area.40,833
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,124 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$82,118
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$94,641
Average tempThe average temperature here across a full year.52°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.54%

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 Richard 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 93% of homes in Miamisburg 45342
  • Costs less per square foot than 86% of homes in Miamisburg 45342
  • Smaller than 96% of homes in Miamisburg 45342
  • Has a bigger lot than 81% of homes in Montgomery County
  • Older than 86% of homes in Miamisburg 45342

What homes are worth in Miamisburg 45342

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

This home
$36K$556K

This home is worth more than 7% of homes in Miamisburg 45342.

How it measures up in Miamisburg 45342

The dot is this home. The mark in the middle is the typical home in Miamisburg 45342.

Estimated value$103,844
CheaperTypical $253,809Pricier

Pricier than 7% of homes nearby

Price per ft²$120
CheaperTypical $169Pricier

Pricier than 14% of homes nearby

Living area864 ft²
SmallerTypical 1,560 ft²Bigger

Bigger than 4% of homes nearby

Lot size0.39 ac
SmallerTypical 0.23 acBigger

Bigger than 78% of homes nearby

Year built1940
OlderTypical 1979Newer

Newer than 14% of homes nearby

How 1040 Richard St ranks against every home in each area.
MeasureThis homeMiamisburg 45342Montgomery County
Estimated valuepricier than$103,8447% of homes20% of homes
Price per ft²pricier than$12014% of homes35% of homes
Living areabigger than864 ft²4% of homes7% of homes
Lot sizebigger than0.39 ac78% of homes81% of homes
Year builtnewer than194014% of homes21% of homes

About 1040 Richard St

How much is 1040 Richard St, Miamisburg, OH worth?

The TopHap Estimate for 1040 Richard St, Miamisburg, OH is $103,844 as of Jul 14, 2026. The likely range is $80,202 to $127,486. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 1040 Richard St, Miamisburg, OH?

1040 Richard St, Miamisburg, OH has 2 bedrooms, 1 bathrooms, 864 square feet of living space and a 0.39-acre lot.

When was 1040 Richard St, Miamisburg, OH built?

1040 Richard St, Miamisburg, OH was built in 1940, making it 86 years old. It is a bungalow home. The building has 1 story.

What schools serve 1040 Richard St, Miamisburg, OH?

1040 Richard St, Miamisburg, OH is assigned to Mark Twain Elementary (elementary); Miamisburg High School (high), rated B+; Miamisburg Middle School (middle), rated B. All sit in Miamisburg City School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1040 Richard St, Miamisburg, OH compare to other homes in Miamisburg 45342?

Among the 12,148 homes in Miamisburg 45342, it is worth more than 7% of them ($103,844 against a typical $253,809), its price per square foot is higher than 14% of them ($120 against a typical $169), it is bigger than 4% of them (864 ft² against a typical 1,560 ft²), its lot is bigger than 78% of them (0.39 ac against a typical 0.23 ac) and it is newer than 14% of them (1940 against a typical 1979). Measured against all of Montgomery 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 1040 Richard St, Miamisburg, OH?

The 2024 property tax bill for 1040 Richard St, Miamisburg, OH was $1,933. The county assessed it at $29,480.

Closest homes

More homes in Miamisburg 45342

Assigned schools

Explore the area

See this home in context

Open 1040 Richard St on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map