Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$357,489$171 / 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 83How 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

12962 SWARTZ RD

RICHWOOD, OH 43344
3
Beds
2
Baths
2,085 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.
7.71 ac
Lot SizeThe size of the land the home sits on, from county records.
1968
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
9
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
4
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$357K
$296K low$419K 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.$56,433
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$45,146
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.85%
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.$215,656
RIVER CITY MORTGAGE LLC · recorded Nov 12, 2021
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.$85,400
SPRING EQ LLC

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,970 (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.$157,850 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$37,530
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$120,320
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$117,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$451,000

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.57
83
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
22
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
71
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
84
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
25
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.82 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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
CountyUnion
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1980
Lot (acres)The size of the land the home sits on, from county records.7.71
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Shingle
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, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.Above-Ground Pool
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 168 ft²Patio · 144 ft²Porch · 486 ft²

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

M
North Union Middle SchoolC
Middle · Grades 6–8 · 2.0 mi
E
North Union Elementary SchoolA-
Elementary · Grades PK–5 · 2.1 mi
H
North Union High SchoolB
High · Grades 9–12 · 2.2 mi

District: North Union Local School District

Neighborhood · ZIP 43344These 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.130
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.188
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.47

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.10%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.4%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.6,854
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.71 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$75,263
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$95,233
Average tempThe average temperature here across a full year.51°F
Annual precipHow much rain and melted snow falls here in a typical year.37 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.49%

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

12962 Swartz 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 78% of homes in Richwood 43344
  • Costs less per square foot than 81% of homes in Union County
  • Bigger than 83% of homes in Richwood 43344
  • Has a bigger lot than 93% of homes in Union County
  • Older than 78% of homes in Union County

What homes are worth in Richwood 43344

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

This home
$53K$676K

This home is worth more than 78% of homes in Richwood 43344.

How it measures up in Richwood 43344

The dot is this home. The mark in the middle is the typical home in Richwood 43344.

Estimated value$357,489
CheaperTypical $239,298Pricier

Pricier than 78% of homes nearby

Price per ft²$171
CheaperTypical $164Pricier

Pricier than 54% of homes nearby

Living area2,085 ft²
SmallerTypical 1,548 ft²Bigger

Bigger than 83% of homes nearby

Lot size7.71 ac
SmallerTypical 1.37 acBigger

Bigger than 88% of homes nearby

Year built1968
OlderTypical 1964Newer

Newer than 52% of homes nearby

How 12962 Swartz Rd ranks against every home in each area.
MeasureThis homeRichwood 43344Union County
Estimated valuepricier than$357,48978% of homes37% of homes
Price per ft²pricier than$17154% of homes19% of homes
Living areabigger than2,085 ft²83% of homes59% of homes
Lot sizebigger than7.71 ac88% of homes93% of homes
Year builtnewer than196852% of homes22% of homes

About 12962 Swartz Rd

How much is 12962 Swartz Rd, Richwood, OH worth?

The TopHap Estimate for 12962 Swartz Rd, Richwood, OH is $357,489 as of Jul 14, 2026. The likely range is $296,292 to $418,686. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 12962 Swartz Rd, Richwood, OH last sell?

12962 Swartz Rd, Richwood, OH last sold on Dec 20, 2000, according to the county's recorded deed.

How big is 12962 Swartz Rd, Richwood, OH?

12962 Swartz Rd, Richwood, OH has 3 bedrooms, 2 bathrooms, 2,085 square feet of living space and a 7.71-acre lot.

When was 12962 Swartz Rd, Richwood, OH built?

12962 Swartz Rd, Richwood, OH was built in 1968, making it 58 years old. The building has 1 story.

What schools serve 12962 Swartz Rd, Richwood, OH?

12962 Swartz Rd, Richwood, OH is assigned to North Union Middle School (middle), rated C; North Union Elementary School (elementary), rated A-; North Union High School (high), rated B. All sit in North Union Local School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 12962 Swartz Rd, Richwood, OH compare to other homes in Richwood 43344?

Among the 2,500 homes in Richwood 43344, it is worth more than 78% of them ($357,489 against a typical $239,298), its price per square foot is higher than 54% of them ($171 against a typical $164), it is bigger than 83% of them (2,085 ft² against a typical 1,548 ft²), its lot is bigger than 88% of them (7.71 ac against a typical 1.37 ac) and it is newer than 52% of them (1968 against a typical 1964). Measured against all of Union County, it is worth more than 37% 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 12962 Swartz Rd, Richwood, OH?

The 2025 property tax bill for 12962 Swartz Rd, Richwood, OH was $5,970. The county assessed it at $157,850.

Closest homes

More homes in Richwood 43344

Assigned schools

Explore the area

See this home in context

Open 12962 Swartz Rd 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