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Single Family ResidenceResidential
$198,591$101 / 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 Aug 30, 2026

3960 RAY DR

MONTGOMERY, AL 36109
2
Baths
1,959 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.
0.31 ac
Lot SizeThe size of the land the home sits on, from county records.
1981
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

$199K
$175K low$223K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$773 (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.$18,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$2,800
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$15,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$18,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$185,000

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.47
50
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
6
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.
74
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
9
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.14 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%

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
CountyMontgomery
Lot (acres)The size of the land the home sits on, from county records.0.31
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.Shingle
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Yes
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.Carport (Unspecified)
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.Patio · 210 ft²Porch · 225 ft²

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

E
Dalraida Elementary SchoolC
Elementary · Grades KG–5 · 0.5 mi
M
Goodwyn Middle SchoolD
Middle · Grades 6–8 · 1.0 mi
H
Robert E. Lee High SchoolD-
High · Grades 9–12 · 2.3 mi

District: Montgomery County School District

Neighborhood · ZIP 36109These 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.74
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.28

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.93%
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.13%
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.24,055
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,123 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$63,887
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$79,244
Average tempThe average temperature here across a full year.65°F
Annual precipHow much rain and melted snow falls here in a typical year.55 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.59%

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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

3960 Ray Dr 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 78% of homes in Montgomery 36109
  • Costs more per square foot than 67% of homes in Montgomery 36109
  • Bigger than 75% of homes in Montgomery 36109
  • Has a bigger lot than 66% of homes in Montgomery County
  • Newer than 81% of homes in Montgomery 36109

What homes are worth in Montgomery 36109

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

This home
$63K$351K

This home is worth more than 78% of homes in Montgomery 36109.

How it measures up in Montgomery 36109

The dot is this home. The mark in the middle is the typical home in Montgomery 36109.

Estimated value$198,591
CheaperTypical $149,778Pricier

Pricier than 78% of homes nearby

Price per ft²$101
CheaperTypical $92Pricier

Pricier than 67% of homes nearby

Living area1,959 ft²
SmallerTypical 1,627 ft²Bigger

Bigger than 75% of homes nearby

Lot size0.31 ac
SmallerTypical 0.28 acBigger

Bigger than 64% of homes nearby

Year built1981
OlderTypical 1967Newer

Newer than 81% of homes nearby

How 3960 Ray Dr ranks against every home in each area.
MeasureThis homeMontgomery 36109Montgomery County
Estimated valuepricier than$198,59178% of homes62% of homes
Price per ft²pricier than$10167% of homes57% of homes
Living areabigger than1,959 ft²75% of homes66% of homes
Lot sizebigger than0.31 ac64% of homes66% of homes
Year builtnewer than198181% of homes59% of homes

About 3960 Ray Dr

How much is 3960 Ray Dr, Montgomery, AL worth?

The TopHap Estimate for 3960 Ray Dr, Montgomery, AL is $198,591 as of Aug 30, 2026. The likely range is $174,523 to $222,659. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3960 Ray Dr, Montgomery, AL last sell?

3960 Ray Dr, Montgomery, AL last sold on Mar 18, 2003, according to the county's recorded deed.

How big is 3960 Ray Dr, Montgomery, AL?

3960 Ray Dr, Montgomery, AL has 2 bathrooms, 1,959 square feet of living space and a 0.31-acre lot.

When was 3960 Ray Dr, Montgomery, AL built?

3960 Ray Dr, Montgomery, AL was built in 1981, making it 45 years old. The building has 1 story.

What schools serve 3960 Ray Dr, Montgomery, AL?

3960 Ray Dr, Montgomery, AL is assigned to Dalraida Elementary School (elementary), rated C; Goodwyn Middle School (middle), rated D; Robert E. Lee High School (high), rated D-. All sit in Montgomery County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3960 Ray Dr, Montgomery, AL compare to other homes in Montgomery 36109?

Among the 9,849 homes in Montgomery 36109, it is worth more than 78% of them ($198,591 against a typical $149,778), its price per square foot is higher than 67% of them ($101 against a typical $92), it is bigger than 75% of them (1,959 ft² against a typical 1,627 ft²), its lot is bigger than 64% of them (0.31 ac against a typical 0.28 ac) and it is newer than 81% of them (1981 against a typical 1967). Measured against all of Montgomery County, it is worth more than 62% 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 3960 Ray Dr, Montgomery, AL?

The 2025 property tax bill for 3960 Ray Dr, Montgomery, AL was $773. The county assessed it at $18,500.

More homes on Ray Dr

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Assigned schools

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