Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$42,654$89 / 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 68How 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

3897 E RIVER RD

CENTERPOINT, IN 47840
3
Beds
1
Baths
480 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.
3.47 ac
Lot SizeThe size of the land the home sits on, from county records.
1940
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

$43K
$29K low$56K 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.$42,654
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$34,123

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$585 (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.$90,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$14,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$76,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$19,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$90,500

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.59
100
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
12
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
76
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.
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.197 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
CountyCLAY
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.1950
Lot (acres)The size of the land the home sits on, from county records.3.47
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.No Foundation
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Central
PoolWhether the property has a pool, and what kind, such as in-ground.No

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

M
Clay City Jr-Sr High SchoolB
Middle · Grades 7–12 · 6.4 mi
E
Clay City Elementary SchoolA
Elementary · Grades KG–6 · 6.5 mi

District: Clay Community Schools

Neighborhood · ZIP 47840These 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.103
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.104
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.70

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.20%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.0%
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.1,471
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.28 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$88,490
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$113,924
Average tempThe average temperature here across a full year.53°F
Annual precipHow much rain and melted snow falls here in a typical year.44 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.55%

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.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

3897 E River 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.

  • Among the least valuable homes in Centerpoint 47840
  • Costs less per square foot than 80% of homes in Centerpoint 47840
  • Among the smallest homes in Clay County
  • Has a bigger lot than 79% of homes in Clay County
  • Older than 87% of homes in Centerpoint 47840

What homes are worth in Centerpoint 47840

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

This home
$57K$572K

This home is worth less than almost all homes in Centerpoint 47840.

How it measures up in Centerpoint 47840

The dot is this home. The mark in the middle is the typical home in Centerpoint 47840.

Estimated value$42,654
CheaperTypical $183,060Pricier

Cheaper than almost all homes nearby

Price per ft²$89
CheaperTypical $123Pricier

Pricier than 20% of homes nearby

Living area480 ft²
SmallerTypical 1,456 ft²Bigger

Bigger than 6% of homes nearby

Lot size3.47 ac
SmallerTypical 2 acBigger

Bigger than 61% of homes nearby

Year built1940
OlderTypical 1976Newer

Newer than 13% of homes nearby

How 3897 E River Rd ranks against every home in each area.
MeasureThis homeCenterpoint 47840Clay County
Estimated valuepricier than$42,654almost no homesalmost no homes
Price per ft²pricier than$8920% of homes24% of homes
Living areabigger than480 ft²6% of homesalmost no homes
Lot sizebigger than3.47 ac61% of homes79% of homes
Year builtnewer than194013% of homes23% of homes

About 3897 E River Rd

How much is 3897 E River Rd, Centerpoint, IN worth?

The TopHap Estimate for 3897 E River Rd, Centerpoint, IN is $42,654 as of Jul 14, 2026. The likely range is $29,101 to $56,207. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3897 E River Rd, Centerpoint, IN last sell?

3897 E River Rd, Centerpoint, IN last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 3897 E River Rd, Centerpoint, IN?

3897 E River Rd, Centerpoint, IN has 3 bedrooms, 1 bathrooms, 480 square feet of living space and a 3.47-acre lot.

When was 3897 E River Rd, Centerpoint, IN built?

3897 E River Rd, Centerpoint, IN was built in 1940, making it 86 years old. The building has 1 story.

What schools serve 3897 E River Rd, Centerpoint, IN?

3897 E River Rd, Centerpoint, IN is assigned to Clay City Jr-Sr High School (middle), rated B; Clay City Elementary School (elementary), rated A. All sit in Clay Community Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3897 E River Rd, Centerpoint, IN compare to other homes in Centerpoint 47840?

Among the 840 homes in Centerpoint 47840, it is worth more than almost none of them ($42,654 against a typical $183,060), its price per square foot is higher than 20% of them ($89 against a typical $123), it is bigger than 6% of them (480 ft² against a typical 1,456 ft²), its lot is bigger than 61% of them (3.47 ac against a typical 2 ac) and it is newer than 13% of them (1940 against a typical 1976). Measured against all of Clay County, it is worth more than almost no 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 3897 E River Rd, Centerpoint, IN?

The 2025 property tax bill for 3897 E River Rd, Centerpoint, IN was $585. The county assessed it at $90,500.

Closest homes

More homes in Centerpoint 47840

Assigned schools

Explore the area

See this home in context

Open 3897 E River 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