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Single Family ResidenceResidential
$454,791$312 / 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 81How 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

461 COUNTY ROAD 97

FLAT ROCK, AL 35966
1
Baths
1,458 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.
1.36 ac
Lot SizeThe size of the land the home sits on, from county records.
2005
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

$455K
$369K low$540K 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.$363,191
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$290,553
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.19%
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.$91,600
ROUNDPOINT MORTGAGE COMPANY · recorded Apr 8, 2014

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$440 (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.$14,680 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$13,720
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$195,700

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
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
33
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
84
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
96
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
23
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
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
CountyJackson
Lot (acres)The size of the land the home sits on, from county records.1.36
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Wood (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
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
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

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.

E
Flat Rock SchoolA
Elementary · Grades PK–6 · 3.8 mi
H
North Sand Mountain SchoolC+
High · Grades PK–12 · 4.4 mi

District: Jackson County School District

Neighborhood · ZIP 35966These 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.104
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.115
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.123

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.91%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.11%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.16%
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.4,266
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.49 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$44,419
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$61,351
Average tempThe average temperature here across a full year.58°F
Annual precipHow much rain and melted snow falls here in a typical year.61 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.58%

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

461 County Road 97 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 92% of homes in Flat Rock 35966
  • Costs more per square foot than 95% of homes in Flat Rock 35966
  • Has a smaller lot than 72% of homes in Flat Rock 35966
  • Newer than 85% of homes in Jackson County

What homes are worth in Flat Rock 35966

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

This home
$74K$589K

This home is worth more than 92% of homes in Flat Rock 35966.

How it measures up in Flat Rock 35966

The dot is this home. The mark in the middle is the typical home in Flat Rock 35966.

Estimated value$454,791
CheaperTypical $236,717Pricier

Pricier than 92% of homes nearby

Price per ft²$312
CheaperTypical $154Pricier

Pricier than 95% of homes nearby

Living area1,458 ft²
SmallerTypical 1,428 ft²Bigger

Bigger than 54% of homes nearby

Lot size1.36 ac
SmallerTypical 3 acBigger

Bigger than 28% of homes nearby

Year built2005
OlderTypical 1989Newer

Newer than 83% of homes nearby

How 461 County Road 97 ranks against every home in each area.
MeasureThis homeFlat Rock 35966Jackson County
Estimated valuepricier than$454,79192% of homes90% of homes
Price per ft²pricier than$31295% of homes94% of homes
Living areabigger than1,458 ft²54% of homes54% of homes
Lot sizebigger than1.36 ac28% of homes55% of homes
Year builtnewer than200583% of homes85% of homes

About 461 County Road 97

How much is 461 County Road 97, Flat Rock, AL worth?

The TopHap Estimate for 461 County Road 97, Flat Rock, AL is $454,791 as of Jul 14, 2026. The likely range is $369,133 to $540,449. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 461 County Road 97, Flat Rock, AL last sell?

461 County Road 97, Flat Rock, AL last sold on Dec 11, 2015, according to the county's recorded deed.

How big is 461 County Road 97, Flat Rock, AL?

461 County Road 97, Flat Rock, AL has 1 bathrooms, 1,458 square feet of living space and a 1.36-acre lot.

When was 461 County Road 97, Flat Rock, AL built?

461 County Road 97, Flat Rock, AL was built in 2005, making it 21 years old. The building has 1 story.

What schools serve 461 County Road 97, Flat Rock, AL?

461 County Road 97, Flat Rock, AL is assigned to Flat Rock School (elementary), rated A; North Sand Mountain School (high), rated C+. All sit in Jackson County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 461 County Road 97, Flat Rock, AL compare to other homes in Flat Rock 35966?

Among the 1,478 homes in Flat Rock 35966, it is worth more than 92% of them ($454,791 against a typical $236,717), its price per square foot is higher than 95% of them ($312 against a typical $154), it is bigger than 54% of them (1,458 ft² against a typical 1,428 ft²), its lot is bigger than 28% of them (1.36 ac against a typical 3 ac) and it is newer than 83% of them (2005 against a typical 1989). Measured against all of Jackson County, it is worth more than 90% 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 461 County Road 97, Flat Rock, AL?

The 2025 property tax bill for 461 County Road 97, Flat Rock, AL was $440. The county assessed it at $14,680.

More homes on County Road 97

Closest homes

More homes in Flat Rock 35966

Assigned schools

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