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Single Family ResidenceResidential
$185,334$110 / 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 91How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

10939 SAINT CLOUD RD

RICHMOND, MO 64085
3
Beds
1
Baths
1,692 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.
1.41 ac
Lot SizeThe size of the land the home sits on, from county records.
1983
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

$185K
$168K low$202K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,324 (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.$22,970 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$21,590
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$120,900

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.11 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
CountyRAY
Lot (acres)The size of the land the home sits on, from county records.1.41
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.Concrete
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Heat Pump
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.Garage, Attached
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.DeckShed · 1,152 ft²Porch · 144 ft²

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

M
Richmond Middle SchoolC
Middle · Grades 6–8 · 2.9 mi
E
Dear Elementary School
Elementary · Grades PK–1 · 3.0 mi
H
Richmond High SchoolC
High · Grades 9–12 · 3.1 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%

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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

10939 Saint Cloud 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.

  • Costs less per square foot than 71% of homes in Richmond 64085
  • Has a bigger lot than 65% of homes in Richmond 64085
  • Newer than 71% of homes in Richmond 64085

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
$109K$467K

This home is worth more than 53% 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$185,334
CheaperTypical $180,227Pricier

Pricier than 53% of homes nearby

Price per ft²$110
CheaperTypical $122Pricier

Pricier than 29% of homes nearby

Living area1,692 ft²
SmallerTypical 1,508 ft²Bigger

Bigger than 60% of homes nearby

Lot size1.41 ac
SmallerTypical 0.44 acBigger

Bigger than 65% of homes nearby

Year built1983
OlderTypical 1966Newer

Newer than 71% of homes nearby

How 10939 Saint Cloud Rd ranks against every home in each area.
MeasureThis homeRichmond 64085Ray County
Estimated valuepricier than$185,33453% of homes50% of homes
Price per ft²pricier than$11029% of homes30% of homes
Living areabigger than1,692 ft²60% of homes60% of homes
Lot sizebigger than1.41 ac65% of homes52% of homes
Year builtnewer than198371% of homes66% of homes

About 10939 Saint Cloud Rd

How much is 10939 Saint Cloud Rd, Richmond, MO worth?

The TopHap Estimate for 10939 Saint Cloud Rd, Richmond, MO is $185,334 as of Sep 24, 2026. The likely range is $168,238 to $202,430. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 10939 Saint Cloud Rd, Richmond, MO last sell?

10939 Saint Cloud Rd, Richmond, MO last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 10939 Saint Cloud Rd, Richmond, MO?

10939 Saint Cloud Rd, Richmond, MO has 3 bedrooms, 1 bathrooms, 1,692 square feet of living space and a 1.41-acre lot.

When was 10939 Saint Cloud Rd, Richmond, MO built?

10939 Saint Cloud Rd, Richmond, MO was built in 1983, making it 43 years old. The building has 1 story.

What schools serve 10939 Saint Cloud Rd, Richmond, MO?

10939 Saint Cloud Rd, Richmond, MO is assigned to Richmond Middle School (middle), rated C; Dear Elementary School (elementary); Richmond High School (high), rated C. All sit in Richmond R-Xvi School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 10939 Saint Cloud Rd, Richmond, MO compare to other homes in Richmond 64085?

Among the 3,442 homes in Richmond 64085, it is worth more than 53% of them ($185,334 against a typical $180,227), its price per square foot is higher than 29% of them ($110 against a typical $122), it is bigger than 60% of them (1,692 ft² against a typical 1,508 ft²), its lot is bigger than 65% of them (1.41 ac against a typical 0.44 ac) and it is newer than 71% of them (1983 against a typical 1966). Measured against all of Ray County, it is worth more than 50% 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 10939 Saint Cloud Rd, Richmond, MO?

The 2025 property tax bill for 10939 Saint Cloud Rd, Richmond, MO was $1,324. The county assessed it at $22,970.

More homes on Saint Cloud Rd

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More homes in Richmond 64085

Assigned schools

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