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Single Family ResidenceResidential
$264,992$126 / 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 91How 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

405 N INSTITUTE ST

RICHMOND, MO 64085
3
Beds
2
Baths
2,104 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.
0.4 ac
Lot SizeThe size of the land the home sits on, from county records.
1995
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$265K
$242K low$288K 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.$264,992
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$211,994

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,039 (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.$28,630 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$2,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$26,430
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$28,630
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$150,660

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.40
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
40
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
77
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
69
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
17
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

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
CountyRay
Lot (acres)The size of the land the home sits on, from county records.0.40
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Concrete
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 168 ft²Porch · 52 ft²

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

E
Dear Elementary School
Elementary · Grades PK–1 · 0.3 mi
H
Richmond High SchoolC-
High · Grades 9–12 · 0.9 mi
M
Richmond Middle SchoolB-
Middle · Grades 6–8 · 1.0 mi

District: Richmond R-Xvi School District

Neighborhood · ZIP 64085These 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.141
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.81
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.23

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.9.2%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.18%
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.9,273
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.56 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$69,934
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$81,751
Average tempThe average temperature here across a full year.54°F
Annual precipHow much rain and melted snow falls here in a typical year.40 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

405 N Institute 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 more than 79% of homes in Richmond 64085
  • Bigger than 77% of homes in Richmond 64085
  • Has a smaller lot than 65% of homes in Ray County
  • Newer than 81% of homes in Richmond 64085

What homes are worth in Richmond 64085

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

This home
$102K$495K

This home is worth more than 79% of homes in Richmond 64085.

How it measures up in Richmond 64085

The dot is this home. The mark in the middle is the typical home in Richmond 64085.

Estimated value$264,992
CheaperTypical $192,378Pricier

Pricier than 79% of homes nearby

Price per ft²$126
CheaperTypical $129Pricier

Pricier than 45% of homes nearby

Living area2,104 ft²
SmallerTypical 1,500 ft²Bigger

Bigger than 77% of homes nearby

Lot size0.4 ac
SmallerTypical 0.43 acBigger

Bigger than 48% of homes nearby

Year built1995
OlderTypical 1966Newer

Newer than 81% of homes nearby

How 405 N Institute St ranks against every home in each area.
MeasureThis homeRichmond 64085Ray County
Estimated valuepricier than$264,99279% of homes78% of homes
Price per ft²pricier than$12645% of homes49% of homes
Living areabigger than2,104 ft²77% of homes77% of homes
Lot sizebigger than0.4 ac48% of homes35% of homes
Year builtnewer than199581% of homes78% of homes

About 405 N Institute St

How much is 405 N Institute St, Richmond, MO worth?

The TopHap Estimate for 405 N Institute St, Richmond, MO is $264,992 as of Jul 14, 2026. The likely range is $241,955 to $288,029. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 405 N Institute St, Richmond, MO?

405 N Institute St, Richmond, MO has 3 bedrooms, 2 bathrooms, 2,104 square feet of living space and a 0.40-acre lot.

When was 405 N Institute St, Richmond, MO built?

405 N Institute St, Richmond, MO was built in 1995, making it 31 years old. The building has 1 story.

What schools serve 405 N Institute St, Richmond, MO?

405 N Institute St, Richmond, MO is assigned to Dear Elementary School (elementary); Richmond High School (high), rated C-; Richmond Middle School (middle), rated B-. All sit in Richmond R-Xvi School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 405 N Institute St, Richmond, MO compare to other homes in Richmond 64085?

Among the 3,418 homes in Richmond 64085, it is worth more than 79% of them ($264,992 against a typical $192,378), its price per square foot is higher than 45% of them ($126 against a typical $129), it is bigger than 77% of them (2,104 ft² against a typical 1,500 ft²), its lot is bigger than 48% of them (0.4 ac against a typical 0.43 ac) and it is newer than 81% of them (1995 against a typical 1966). Measured against all of Ray County, it is worth more than 78% 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 405 N Institute St, Richmond, MO?

The 2024 property tax bill for 405 N Institute St, Richmond, MO was $2,039. The county assessed it at $28,630.

Closest homes

More homes in Richmond 64085

Assigned schools

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