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Single Family ResidenceResidential
$171,760$105 / 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 81How 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

3860 WATERLOO RD

RUSSELLVILLE, AL 35653
1
Baths
1,643 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.
0.55 ac
Lot SizeThe size of the land the home sits on, from county records.
1965
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$172K
$140K low$204K 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.$26,260
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$21,008
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.80%
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.$145,500
WELLS FARGO BANK · recorded Nov 10, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$328 (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.$11,680 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$580
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$11,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$11,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$116,700

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.46
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
35
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
88
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
85
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
22
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
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.minimal

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
CountyFRANKLIN
Lot (acres)The size of the land the home sits on, from county records.0.55
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.Asphalt
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Yes
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.DeckPorch · 60 ft²

Transaction History(5)

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
Belgreen High SchoolB-
Elementary · Grades PK–12 · 8.2 mi

District: Franklin County School District

Neighborhood · ZIP 35653These 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.102
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.101
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.58

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.89%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.11%
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.11,767
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.77 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$52,998
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$63,874
Average tempThe average temperature here across a full year.60°F
Annual precipHow much rain and melted snow falls here in a typical year.59 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

3860 Waterloo 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 74% of homes in Russellville 35653
  • Costs more per square foot than 71% of homes in Franklin County
  • Bigger than 67% of homes in Russellville 35653
  • Has a smaller lot than 72% of homes in Franklin County
  • Older than 67% of homes in Franklin County

What homes are worth in Russellville 35653

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

This home
$28K$456K

This home is worth more than 74% of homes in Russellville 35653.

How it measures up in Russellville 35653

The dot is this home. The mark in the middle is the typical home in Russellville 35653.

Estimated value$171,760
CheaperTypical $110,477Pricier

Pricier than 74% of homes nearby

Price per ft²$105
CheaperTypical $80Pricier

Pricier than 70% of homes nearby

Living area1,643 ft²
SmallerTypical 1,380 ft²Bigger

Bigger than 67% of homes nearby

Lot size0.55 ac
SmallerTypical 0.78 acBigger

Bigger than 38% of homes nearby

Year built1965
OlderTypical 1974Newer

Newer than 41% of homes nearby

How 3860 Waterloo Rd ranks against every home in each area.
MeasureThis homeRussellville 35653Franklin County
Estimated valuepricier than$171,76074% of homes72% of homes
Price per ft²pricier than$10570% of homes71% of homes
Living areabigger than1,643 ft²67% of homes65% of homes
Lot sizebigger than0.55 ac38% of homes28% of homes
Year builtnewer than196541% of homes33% of homes

About 3860 Waterloo Rd

How much is 3860 Waterloo Rd, Russellville, AL worth?

The TopHap Estimate for 3860 Waterloo Rd, Russellville, AL is $171,760 as of Jul 14, 2026. The likely range is $139,606 to $203,914. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3860 Waterloo Rd, Russellville, AL last sell?

3860 Waterloo Rd, Russellville, AL last sold on Nov 10, 2021, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 3860 Waterloo Rd, Russellville, AL?

3860 Waterloo Rd, Russellville, AL has 1 bathrooms, 1,643 square feet of living space and a 0.55-acre lot.

When was 3860 Waterloo Rd, Russellville, AL built?

3860 Waterloo Rd, Russellville, AL was built in 1965, making it 61 years old. The building has 1 story.

What schools serve 3860 Waterloo Rd, Russellville, AL?

3860 Waterloo Rd, Russellville, AL is assigned to Belgreen High School (elementary), rated B-. All sit in Franklin County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3860 Waterloo Rd, Russellville, AL compare to other homes in Russellville 35653?

Among the 4,542 homes in Russellville 35653, it is worth more than 74% of them ($171,760 against a typical $110,477), its price per square foot is higher than 70% of them ($105 against a typical $80), it is bigger than 67% of them (1,643 ft² against a typical 1,380 ft²), its lot is bigger than 38% of them (0.55 ac against a typical 0.78 ac) and it is newer than 41% of them (1965 against a typical 1974). Measured against all of Franklin County, it is worth more than 72% 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 3860 Waterloo Rd, Russellville, AL?

The 2025 property tax bill for 3860 Waterloo Rd, Russellville, AL was $328. The county assessed it at $11,680.

Closest homes

More homes in Russellville 35653

Assigned schools

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