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Single Family ResidenceResidential
$285,871$164 / 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 88How 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 $141,400 on Mar 3, 2020

20738 RUBY ST

WALLER, TX 77484
0
Baths
1,743 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.
0.21 ac
Lot SizeThe size of the land the home sits on, from county records.
2023
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$286K
$251K low$321K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$141,400 · Mar 3, 2020
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.$172,771
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$138,217
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.36%
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.$113,100
ALLEGIANCE BANK · recorded Mar 3, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,830 (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.$282,050 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$41,420
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$240,630
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$60,120
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$282,050

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.61
45
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
53
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
99
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
58
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
54
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.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.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
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountyWALLER
Lot (acres)The size of the land the home sits on, from county records.0.21
ConstructionThe main material the home's frame and walls are built from.Masonry/Concrete Masonry Units (Cmus)
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.Porch · 144 ft²

Transaction History(1)

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.

E
Herman T. Jones Elementary SchoolC
Elementary · Grades PK–5 · 1.1 mi
H
Waller High SchoolC-
High · Grades 9–12 · 3.2 mi
M
Schultz Junior High SchoolC+
Middle · Grades 6–8 · 3.9 mi

District: Waller Independent School District

Neighborhood · ZIP 77484These 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.95
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.90
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.18

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.90%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.19%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.11%
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.15,431
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.104 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$74,092
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$95,681
Average tempThe average temperature here across a full year.68°F
Annual precipHow much rain and melted snow falls here in a typical year.45 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.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.Yes

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

20738 Ruby 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 69% of homes in Waller 77484
  • Costs less per square foot than 73% of homes in Waller 77484
  • Has a smaller lot than 79% of homes in Waller 77484
  • Newer than 94% of homes in Waller County

What homes are worth in Waller 77484

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

This home
$96K$1.2M

This home is worth more than 31% of homes in Waller 77484.

How it measures up in Waller 77484

The dot is this home. The mark in the middle is the typical home in Waller 77484.

Estimated value$285,871
CheaperTypical $375,100Pricier

Pricier than 31% of homes nearby

Price per ft²$164
CheaperTypical $207Pricier

Pricier than 27% of homes nearby

Living area1,743 ft²
SmallerTypical 1,866 ft²Bigger

Bigger than 44% of homes nearby

Lot size0.21 ac
SmallerTypical 1.27 acBigger

Bigger than 21% of homes nearby

Year built2023
OlderTypical 2004Newer

Newer than 87% of homes nearby

How 20738 Ruby St ranks against every home in each area.
MeasureThis homeWaller 77484Waller County
Estimated valuepricier than$285,87131% of homes32% of homes
Price per ft²pricier than$16427% of homes36% of homes
Living areabigger than1,743 ft²44% of homes41% of homes
Lot sizebigger than0.21 ac21% of homes34% of homes
Year builtnewer than202387% of homes94% of homes

About 20738 Ruby St

How much is 20738 Ruby St, Waller, TX worth?

The TopHap Estimate for 20738 Ruby St, Waller, TX is $285,871 as of Jul 14, 2026. The likely range is $250,707 to $321,035. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20738 Ruby St, Waller, TX last sell?

20738 Ruby St, Waller, TX last sold on Mar 3, 2020 for $141,400, according to the county's recorded deed.

How big is 20738 Ruby St, Waller, TX?

20738 Ruby St, Waller, TX has 1,743 square feet of living space and a 0.21-acre lot.

When was 20738 Ruby St, Waller, TX built?

20738 Ruby St, Waller, TX was built in 2023, making it 3 years old. It is a ranch home. The building has 1 story.

What schools serve 20738 Ruby St, Waller, TX?

20738 Ruby St, Waller, TX is assigned to Herman T. Jones Elementary School (elementary), rated C; Waller High School (high), rated C-; Schultz Junior High School (middle), rated C+. All sit in Waller Independent School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 20738 Ruby St, Waller, TX compare to other homes in Waller 77484?

Among the 6,746 homes in Waller 77484, it is worth more than 31% of them ($285,871 against a typical $375,100), its price per square foot is higher than 27% of them ($164 against a typical $207), it is bigger than 44% of them (1,743 ft² against a typical 1,866 ft²), its lot is bigger than 21% of them (0.21 ac against a typical 1.27 ac) and it is newer than 87% of them (2023 against a typical 2004). Measured against all of Waller County, it is worth more than 32% 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 20738 Ruby St, Waller, TX?

The 2025 property tax bill for 20738 Ruby St, Waller, TX was $6,830. The county assessed it at $282,050.

Closest homes

More homes in Waller 77484

Assigned schools

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