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Single Family ResidenceResidential
$603,493$295 / 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 85How 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 $286,900 on Jun 12, 2017

351 RIVER BLUFF TER

COTTER, AR 72626
2
Baths
2,044 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.
3.4 ac
Lot SizeThe size of the land the home sits on, from county records.
2001
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$603K
$515K low$692K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$286,900 · Jun 12, 2017
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.$94,982
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$75,986
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.83%
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.$286,900
ANSTAFF BANK NA · recorded Jun 12, 2017
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.$221,611
FIRST GUARANTY MORTGAGE CORP

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,382 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$59,780 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$10,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$49,780
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$59,780
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$298,900

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
66
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
55
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
84
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
67
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
16
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.33 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
CountyBaxter
Lot (acres)The size of the land the home sits on, from county records.3.40
ConstructionThe main material the home's frame and walls are built from.Masonry/Concrete Masonry Units (Cmus)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Closed Piers
RoofThe main material covering the roof, such as asphalt shingle or tile.Fiberglass
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
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 334 ft²Porch · 268 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
Cotter High SchoolB-
Middle · Grades 7–12 · 3.2 mi
E
Amanda Gist Elementary SchoolA-
Elementary · Grades PK–6 · 3.2 mi

District: Cotter School District

Neighborhood · ZIP 72626These 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.147
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.133
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.73

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.86%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.8.7%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
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.1,427
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.225 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$38,483
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$56,721
Average tempThe average temperature here across a full year.58°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.61%

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

351 River Bluff Ter 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 95% of homes in Baxter County
  • Costs more per square foot than 92% of homes in Baxter County
  • Bigger than 81% of homes in Baxter County
  • Has a bigger lot than 87% of homes in Cotter 72626

What homes are worth in Cotter 72626

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

This home
$67K$968K

This home is worth more than 85% of homes in Cotter 72626.

How it measures up in Cotter 72626

The dot is this home. The mark in the middle is the typical home in Cotter 72626.

Estimated value$603,493
CheaperTypical $252,749Pricier

Pricier than 85% of homes nearby

Price per ft²$295
CheaperTypical $175Pricier

Pricier than 77% of homes nearby

Living area2,044 ft²
SmallerTypical 1,456 ft²Bigger

Bigger than 79% of homes nearby

Lot size3.4 ac
SmallerTypical 0.52 acBigger

Bigger than 87% of homes nearby

Year built2001
OlderTypical 2006Newer

Newer than 38% of homes nearby

How 351 River Bluff Ter ranks against every home in each area.
MeasureThis homeCotter 72626Baxter County
Estimated valuepricier than$603,49385% of homes95% of homes
Price per ft²pricier than$29577% of homes92% of homes
Living areabigger than2,044 ft²79% of homes81% of homes
Lot sizebigger than3.4 ac87% of homes70% of homes
Year builtnewer than200138% of homes41% of homes

About 351 River Bluff Ter

How much is 351 River Bluff Ter, Cotter, AR worth?

The TopHap Estimate for 351 River Bluff Ter, Cotter, AR is $603,493 as of Jul 14, 2026. The likely range is $515,465 to $691,521. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 351 River Bluff Ter, Cotter, AR last sell?

351 River Bluff Ter, Cotter, AR last sold on Jun 12, 2017 for $286,900, according to the county's recorded deed.

How big is 351 River Bluff Ter, Cotter, AR?

351 River Bluff Ter, Cotter, AR has 2 bathrooms, 2,044 square feet of living space and a 3.40-acre lot.

When was 351 River Bluff Ter, Cotter, AR built?

351 River Bluff Ter, Cotter, AR was built in 2001, making it 25 years old. The building has 1 story.

What schools serve 351 River Bluff Ter, Cotter, AR?

351 River Bluff Ter, Cotter, AR is assigned to Cotter High School (middle), rated B-; Amanda Gist Elementary School (elementary), rated A-. All sit in Cotter School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 351 River Bluff Ter, Cotter, AR compare to other homes in Cotter 72626?

Among the 752 homes in Cotter 72626, it is worth more than 85% of them ($603,493 against a typical $252,749), its price per square foot is higher than 77% of them ($295 against a typical $175), it is bigger than 79% of them (2,044 ft² against a typical 1,456 ft²), its lot is bigger than 87% of them (3.4 ac against a typical 0.52 ac) and it is newer than 38% of them (2001 against a typical 2006). Measured against all of Baxter County, it is worth more than 95% 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 351 River Bluff Ter, Cotter, AR?

The 2024 property tax bill for 351 River Bluff Ter, Cotter, AR was $1,382. The county assessed it at $59,780.

Closest homes

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Assigned schools

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