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Single Family ResidenceResidential
$873,165$891 / 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 97How 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 $598,500 on Apr 16, 2021

434 TERRACE ST

ASHLAND, OR 97520
3
Beds
3
Baths
980 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.
0.18 ac
Lot SizeThe size of the land the home sits on, from county records.
1996
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$873K
$843K low$903K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$598,500 · Apr 16, 2021
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.$394,365
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$315,492
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.79%
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.$478,800
KEY BANK NA · recorded Apr 16, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,295 (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.$344,350 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$334,330
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$903,170

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyJACKSON
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.2025
Lot (acres)The size of the land the home sits on, from county records.0.18
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
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.Deck · 200 ft²Shed · 96 ft²Patio · 200 ft²

Transaction History(10)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

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

H
Ashland High SchoolA
High · Grades 9–12 · 0.7 mi
E
Walker Elementary SchoolA+
Elementary · Grades KG–5 · 1.3 mi
M
Ashland Middle SchoolB+
Middle · Grades 6–8 · 1.4 mi

District: Ashland School District 5

Neighborhood · ZIP 97520These 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.130
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.120
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.125

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.30%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.14%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.27,172
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.51 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$68,348
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$99,297
Average tempThe average temperature here across a full year.45°F
Annual precipHow much rain and melted snow falls here in a typical year.35 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.48%

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 Terrace 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 97% of homes in Jackson County
  • Among the highest price per square foot in Ashland 97520
  • Smaller than 91% of homes in 3 Tiers of Ashland
  • Has a smaller lot than 78% of homes in 3 Tiers of Ashland
  • Newer than 87% of homes in 3 Tiers of Ashland

What homes are worth in Ashland 97520

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

This home
$250K$1.2M

This home is worth more than 91% of homes in Ashland 97520.

How it measures up in Ashland 97520

The dot is this home. The mark in the middle is the typical home in Ashland 97520.

Estimated value$873,165
CheaperTypical $560,558Pricier

Pricier than 91% of homes nearby

Price per ft²$891
CheaperTypical $352Pricier

Pricier than almost all homes nearby

Living area980 ft²
SmallerTypical 1,543 ft²Bigger

Bigger than 13% of homes nearby

Lot size0.18 ac
SmallerTypical 0.18 acBigger

Bigger than 51% of homes nearby

Year built1996
OlderTypical 1979Newer

Newer than 70% of homes nearby

How 434 Terrace St ranks against every home in each area.
MeasureThis home3 Tiers of AshlandAshland 97520Jackson County
Estimated valuepricier than$873,16587% of homes91% of homes97% of homes
Price per ft²pricier than$891almost all homesalmost all homesalmost all homes
Living areabigger than980 ft²9% of homes13% of homes11% of homes
Lot sizebigger than0.18 ac22% of homes51% of homes47% of homes
Year builtnewer than199687% of homes70% of homes64% of homes

About 434 Terrace St

How much is 434 Terrace St, Ashland, OR worth?

The TopHap Estimate for 434 Terrace St, Ashland, OR is $873,165 as of Jul 14, 2026. The likely range is $843,171 to $903,159. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 434 Terrace St, Ashland, OR last sell?

434 Terrace St, Ashland, OR last sold on Apr 16, 2021 for $598,500, according to the county's recorded deed. TopHap holds 9 recorded sales for this parcel.

How big is 434 Terrace St, Ashland, OR?

434 Terrace St, Ashland, OR has 3 bedrooms, 3 bathrooms, 980 square feet of living space and a 0.18-acre lot.

When was 434 Terrace St, Ashland, OR built?

434 Terrace St, Ashland, OR was built in 1996, making it 30 years old. The building has 1 story.

What schools serve 434 Terrace St, Ashland, OR?

434 Terrace St, Ashland, OR is assigned to Ashland High School (high), rated A; Walker Elementary School (elementary), rated A+; Ashland Middle School (middle), rated B+. All sit in Ashland School District 5. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 434 Terrace St, Ashland, OR compare to other homes in Ashland 97520?

Among the 9,198 homes in Ashland 97520, it is worth more than 91% of them ($873,165 against a typical $560,558), its price per square foot is higher than almost all of them ($891 against a typical $352), it is bigger than 13% of them (980 ft² against a typical 1,543 ft²), its lot is bigger than 51% of them (0.18 ac against a typical 0.18 ac) and it is newer than 70% of them (1996 against a typical 1979). Measured against all of Jackson County, it is worth more than 97% 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 434 Terrace St, Ashland, OR?

The 2025 property tax bill for 434 Terrace St, Ashland, OR was $5,295. The county assessed it at $344,350.

Closest homes

More homes in Ashland 97520

Assigned schools

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