Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$74,181$26 / 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 73How 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

421 E RUBY ST

STEPHENS, AR 71764
2
Baths
2,812 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.
1924
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$74K
$54K low$94K 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.$38,536
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$30,829
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.45%
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.$35,645
CADENCE BANK NA · recorded Jul 5, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$213 (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.$25,100 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$900
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$24,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$16,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$125,500

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.44
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.
93
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
79
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.

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
CountyOuachita
ConstructionThe main material the home's frame and walls are built from.Brick
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.Metal
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.Carport (Unspecified)
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 336 ft²Porch · 600 ft²

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

E
Fairview Primary SchoolC-
Elementary · Grades KG–1 · 15.4 mi
H
Camden Fairview High SchoolD+
High · Grades 9–12 · 15.7 mi
M
Camden Fairview Middle SchoolD+
Middle · Grades 6–8 · 17.9 mi

District: Camden Fairview School District

Neighborhood · ZIP 71764These 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.94
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.134
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.48

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.77%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.6.2%
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.1.4%
PopulationHow many people live in this area.2,185
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.12 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$59,079
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$66,789
Average tempThe average temperature here across a full year.63°F
Annual precipHow much rain and melted snow falls here in a typical year.54 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.62%

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

421 E Ruby 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.

  • Costs less per square foot than 94% of homes in Stephens 71764
  • Bigger than 97% of homes in Stephens 71764
  • Older than 97% of homes in Ouachita County

What homes are worth in Stephens 71764

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

This home
$22K$264K

This home is worth more than 59% of homes in Stephens 71764.

How it measures up in Stephens 71764

The dot is this home. The mark in the middle is the typical home in Stephens 71764.

Estimated value$74,181
CheaperTypical $64,928Pricier

Pricier than 59% of homes nearby

Price per ft²$26
CheaperTypical $47Pricier

Pricier than 6% of homes nearby

Living area2,812 ft²
SmallerTypical 1,344 ft²Bigger

Bigger than 97% of homes nearby

Year built1924
OlderTypical 1970Newer

Newer than 7% of homes nearby

How 421 E Ruby St ranks against every home in each area.
MeasureThis homeStephens 71764Ouachita County
Estimated valuepricier than$74,18159% of homes40% of homes
Price per ft²pricier than$266% of homes8% of homes
Living areabigger than2,812 ft²97% of homes95% of homes
Year builtnewer than19247% of homes3% of homes

About 421 E Ruby St

How much is 421 E Ruby St, Stephens, AR worth?

The TopHap Estimate for 421 E Ruby St, Stephens, AR is $74,181 as of Jul 14, 2026. The likely range is $54,365 to $93,997. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 421 E Ruby St, Stephens, AR last sell?

421 E Ruby St, Stephens, AR last sold on Jun 27, 2006, according to the county's recorded deed.

How big is 421 E Ruby St, Stephens, AR?

421 E Ruby St, Stephens, AR has 2 bathrooms and 2,812 square feet of living space.

When was 421 E Ruby St, Stephens, AR built?

421 E Ruby St, Stephens, AR was built in 1924, making it 102 years old. The building has 1 story.

What schools serve 421 E Ruby St, Stephens, AR?

421 E Ruby St, Stephens, AR is assigned to Fairview Primary School (elementary), rated C-; Camden Fairview High School (high), rated D+; Camden Fairview Middle School (middle), rated D+. All sit in Camden Fairview School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 421 E Ruby St, Stephens, AR compare to other homes in Stephens 71764?

Among the 979 homes in Stephens 71764, it is worth more than 59% of them ($74,181 against a typical $64,928), its price per square foot is higher than 6% of them ($26 against a typical $47), it is bigger than 97% of them (2,812 ft² against a typical 1,344 ft²) and it is newer than 7% of them (1924 against a typical 1970). Measured against all of Ouachita County, it is worth more than 40% 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 421 E Ruby St, Stephens, AR?

The 2025 property tax bill for 421 E Ruby St, Stephens, AR was $213. The county assessed it at $25,100.

Closest homes

More homes in Stephens 71764

Assigned schools

Explore the area

See this home in context

Open 421 E Ruby St 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