Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$154,089$90 / 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 82How 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

194 RUTH CIR

COWARTS, AL 36321
3
Beds
3 / 1
Baths
1,706 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.
0.5 ac
Lot SizeThe size of the land the home sits on, from county records.
1969
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

$154K
$126K low$182K 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.$26,089
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$20,871
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.86%
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.$128,000
REGIONS BANK · recorded Feb 4, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$922 (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.$28,780 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$28,780
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$145,820

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.45
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
24
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
98
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
77
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
28
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
CountyHouston
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.1986
Lot (acres)The size of the land the home sits on, from county records.0.50
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Mat/Raft Foundation (Slab)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Carport (Unspecified)

Transaction History(2)

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
Ashford High SchoolC+
Middle · Grades 9–12 · 4.2 mi
E
Ashford Elementary SchoolA+
Elementary · Grades PK–5 · 4.5 mi

District: Houston County School District

Neighborhood · ZIP 36321These 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.72
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.22

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.91%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.7.5%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.15%
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.1,050
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.200 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$52,097
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$62,000
Average tempThe average temperature here across a full year.66°F
Annual precipHow much rain and melted snow falls here in a typical year.57 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

194 Ruth Cir 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 Houston County
  • Bigger than 70% of homes in Cowarts 36321
  • Older than 85% of homes in Cowarts 36321

What homes are worth in Cowarts 36321

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

This home
$63K$419K

This home is worth more than 45% of homes in Cowarts 36321.

How it measures up in Cowarts 36321

The dot is this home. The mark in the middle is the typical home in Cowarts 36321.

Estimated value$154,089
CheaperTypical $169,555Pricier

Pricier than 45% of homes nearby

Price per ft²$90
CheaperTypical $110Pricier

Pricier than 32% of homes nearby

Living area1,706 ft²
SmallerTypical 1,482 ft²Bigger

Bigger than 70% of homes nearby

Lot size0.5 ac
SmallerTypical 0.52 acBigger

Bigger than 47% of homes nearby

Year built1969
OlderTypical 1985Newer

Newer than 15% of homes nearby

How 194 Ruth Cir ranks against every home in each area.
MeasureThis homeCowarts 36321Houston County
Estimated valuepricier than$154,08945% of homes38% of homes
Price per ft²pricier than$9032% of homes29% of homes
Living areabigger than1,706 ft²70% of homes54% of homes
Lot sizebigger than0.5 ac47% of homes48% of homes
Year builtnewer than196915% of homes31% of homes

About 194 Ruth Cir

How much is 194 Ruth Cir, Cowarts, AL worth?

The TopHap Estimate for 194 Ruth Cir, Cowarts, AL is $154,089 as of Jul 14, 2026. The likely range is $126,005 to $182,173. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 194 Ruth Cir, Cowarts, AL?

194 Ruth Cir, Cowarts, AL has 3 bedrooms, 3 bathrooms, 1,706 square feet of living space and a 0.50-acre lot.

When was 194 Ruth Cir, Cowarts, AL built?

194 Ruth Cir, Cowarts, AL was built in 1969, making it 57 years old. The building has 1 story.

What schools serve 194 Ruth Cir, Cowarts, AL?

194 Ruth Cir, Cowarts, AL is assigned to Ashford High School (middle), rated C+; Ashford Elementary School (elementary), rated A+. All sit in Houston County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 194 Ruth Cir, Cowarts, AL compare to other homes in Cowarts 36321?

Among the 698 homes in Cowarts 36321, it is worth more than 45% of them ($154,089 against a typical $169,555), its price per square foot is higher than 32% of them ($90 against a typical $110), it is bigger than 70% of them (1,706 ft² against a typical 1,482 ft²), its lot is bigger than 47% of them (0.5 ac against a typical 0.52 ac) and it is newer than 15% of them (1969 against a typical 1985). Measured against all of Houston County, it is worth more than 38% 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 194 Ruth Cir, Cowarts, AL?

The 2025 property tax bill for 194 Ruth Cir, Cowarts, AL was $922. The county assessed it at $28,780.

More homes on Ruth Cir

Closest homes

More homes in Cowarts 36321

Assigned schools

Explore the area

See this home in context

Open 194 Ruth Cir 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