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Single Family ResidenceResidential
$80,574$57 / 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
Last sold for $40,000 on Aug 31, 2006

434 E RUBY ST

STEPHENS, AR 71764
1
Baths
1,414 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.
1 ac
Lot SizeThe size of the land the home sits on, from county records.
1920
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$81K
$59K low$102K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$40,000 · Aug 31, 2006
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.$40,039
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$32,031
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.60%
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.$40,535
SECURITY BANK · recorded Nov 2, 2021

Tax & Assessment

Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$10,330 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$600
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$9,730
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$7,020
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$51,650

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.52
42
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
41
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.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.9 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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
CountyOUACHITA
Lot (acres)The size of the land the home sits on, from county records.1.00
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.Shingle
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
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.Porch · 267 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 · 15.5 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

434 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 more per square foot than 65% 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$240K

This home is worth more than 63% 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$80,574
CheaperTypical $64,822Pricier

Pricier than 63% of homes nearby

Price per ft²$57
CheaperTypical $47Pricier

Pricier than 65% of homes nearby

Living area1,414 ft²
SmallerTypical 1,344 ft²Bigger

Bigger than 54% of homes nearby

Lot size1 ac
SmallerTypical 1.5 acBigger

Bigger than 46% of homes nearby

Year built1920
OlderTypical 1970Newer

Newer than 6% of homes nearby

How 434 E Ruby St ranks against every home in each area.
MeasureThis homeStephens 71764Ouachita County
Estimated valuepricier than$80,57463% of homes44% of homes
Price per ft²pricier than$5765% of homes39% of homes
Living areabigger than1,414 ft²54% of homes51% of homes
Lot sizebigger than1 ac46% of homes63% of homes
Year builtnewer than19206% of homes3% of homes

About 434 E Ruby St

How much is 434 E Ruby St, Stephens, AR worth?

The TopHap Estimate for 434 E Ruby St, Stephens, AR is $80,574 as of Jul 14, 2026. The likely range is $58,800 to $102,348. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 434 E Ruby St, Stephens, AR last sell?

434 E Ruby St, Stephens, AR last sold on Aug 31, 2006 for $40,000, according to the county's recorded deed.

How big is 434 E Ruby St, Stephens, AR?

434 E Ruby St, Stephens, AR has 1 bathrooms, 1,414 square feet of living space and a 1.00-acre lot.

When was 434 E Ruby St, Stephens, AR built?

434 E Ruby St, Stephens, AR was built in 1920, making it 106 years old. The building has 1 story.

What schools serve 434 E Ruby St, Stephens, AR?

434 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 434 E Ruby St, Stephens, AR compare to other homes in Stephens 71764?

Among the 979 homes in Stephens 71764, it is worth more than 63% of them ($80,574 against a typical $64,822), its price per square foot is higher than 65% of them ($57 against a typical $47), it is bigger than 54% of them (1,414 ft² against a typical 1,344 ft²), its lot is bigger than 46% of them (1 ac against a typical 1.5 ac) and it is newer than 6% of them (1920 against a typical 1970). Measured against all of Ouachita County, it is worth more than 44% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

Closest homes

More homes in Stephens 71764

Assigned schools

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