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Single Family ResidenceResidential
$424,446$285 / 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 86How 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
Last sold for $176,000 on Jul 1, 2013

12809 N RIDGE DR

HIGHLAND, IL 62249
4
Beds
2
Baths
1,488 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.
2 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.
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

$424K
$365K low$484K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$176,000 · Jul 1, 2013
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.$78,296
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$62,637
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.87%
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.$201,600
FLAGSTAR BANK FSB · recorded Oct 20, 2020
2nd 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.$144,550
BETTER MORTGAGE CORP

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,183 (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.$111,520 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$14,380
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$97,140
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$104,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$334,560

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.41
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
27
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
83
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
72
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
24
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
StyleThe architectural style of the home, such as ranch or colonial.Modern
CountyMADISON
Lot (acres)The size of the land the home sits on, from county records.2.00
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
HeatingThe type of heating system in the home.Yes
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, 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.Patio · 156 ft²

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

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

M
Highland Middle SchoolB-
Middle · Grades 6–8 · 2.0 mi
H
Highland High SchoolA+
High · Grades 9–12 · 2.3 mi
E
Alhambra Primary SchoolA
Elementary · Grades PK–3 · 7.7 mi

District: Highland Community Unit School District 5

Neighborhood · ZIP 62249These 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.85
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.91
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.149

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.24%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.1%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.15,329
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.175 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$94,663
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$114,481
Average tempThe average temperature here across a full year.55°F
Annual precipHow much rain and melted snow falls here in a typical year.42 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.59%

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

12809 N Ridge Dr 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 90% of homes in Madison County
  • Costs more per square foot than 88% of homes in Madison County
  • Bigger than 76% of homes in Madison County
  • Has a bigger lot than 91% of homes in Madison County
  • Newer than 82% of homes in Madison County

What homes are worth in Highland 62249

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

This home
$91K$683K

This home is worth more than 83% of homes in Highland 62249.

How it measures up in Highland 62249

The dot is this home. The mark in the middle is the typical home in Highland 62249.

Estimated value$424,446
CheaperTypical $268,920Pricier

Pricier than 83% of homes nearby

Price per ft²$285
CheaperTypical $199Pricier

Pricier than 85% of homes nearby

Living area1,488 ft²
SmallerTypical 1,312 ft²Bigger

Bigger than 61% of homes nearby

Lot size2 ac
SmallerTypical 0.34 acBigger

Bigger than 79% of homes nearby

Year built1998
OlderTypical 1983Newer

Newer than 70% of homes nearby

How 12809 N Ridge Dr ranks against every home in each area.
MeasureThis homeHighland 62249Madison County
Estimated valuepricier than$424,44683% of homes90% of homes
Price per ft²pricier than$28585% of homes88% of homes
Living areabigger than1,488 ft²61% of homes76% of homes
Lot sizebigger than2 ac79% of homes91% of homes
Year builtnewer than199870% of homes82% of homes

About 12809 N Ridge Dr

How much is 12809 N Ridge Dr, Highland, IL worth?

The TopHap Estimate for 12809 N Ridge Dr, Highland, IL is $424,446 as of Jul 14, 2026. The likely range is $365,205 to $483,687. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 12809 N Ridge Dr, Highland, IL last sell?

12809 N Ridge Dr, Highland, IL last sold on Jul 1, 2013 for $176,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 12809 N Ridge Dr, Highland, IL?

12809 N Ridge Dr, Highland, IL has 4 bedrooms, 2 bathrooms, 1,488 square feet of living space and a 2.00-acre lot.

When was 12809 N Ridge Dr, Highland, IL built?

12809 N Ridge Dr, Highland, IL was built in 1998, making it 28 years old. It is a modern home. The building has 1 story.

What schools serve 12809 N Ridge Dr, Highland, IL?

12809 N Ridge Dr, Highland, IL is assigned to Highland Middle School (middle), rated B-; Highland High School (high), rated A+; Alhambra Primary School (elementary), rated A. All sit in Highland Community Unit School District 5. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 12809 N Ridge Dr, Highland, IL compare to other homes in Highland 62249?

Among the 6,125 homes in Highland 62249, it is worth more than 83% of them ($424,446 against a typical $268,920), its price per square foot is higher than 85% of them ($285 against a typical $199), it is bigger than 61% of them (1,488 ft² against a typical 1,312 ft²), its lot is bigger than 79% of them (2 ac against a typical 0.34 ac) and it is newer than 70% of them (1998 against a typical 1983). Measured against all of Madison County, it is worth more than 90% 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 12809 N Ridge Dr, Highland, IL?

The 2025 property tax bill for 12809 N Ridge Dr, Highland, IL was $6,183. The county assessed it at $111,520.

Closest homes

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Assigned schools

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