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Single Family ResidenceResidential
$178,088$145 / 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 90How 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

4685 SPRUCE CT

HIGH RIDGE, MO 63049
2
Baths
1,232 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.
0.27 ac
Lot SizeThe size of the land the home sits on, from county records.
1988
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$178K
$159K low$197K 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.$35,588
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$28,470
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.85%
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.$142,500
GUILD MORTGAGE CO · recorded Sep 3, 2024

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.$18,200 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$2,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$15,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$18,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$96,000

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
31
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
35
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
86
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
75
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
8
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.5 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
CountyJefferson
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
HeatingThe type of heating system in the home.Yes
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
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 148 ft²

Transaction History(3)

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

Neighborhood · ZIP 63049These 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.83
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.135

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.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.18%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.6%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.16,100
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.712 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$79,760
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$99,179
Average tempThe average temperature here across a full year.55°F
Annual precipHow much rain and melted snow falls here in a typical year.42 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.57%

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

4685 Spruce Ct 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 less than 94% of homes in Murphy
  • Costs less per square foot than 95% of homes in High Ridge 63049
  • Has a smaller lot than 66% of homes in Murphy
  • Newer than 76% of homes in Murphy

What homes are worth in High Ridge 63049

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

This home
$164K$726K

This home is worth more than 6% of homes in High Ridge 63049.

How it measures up in High Ridge 63049

The dot is this home. The mark in the middle is the typical home in High Ridge 63049.

Estimated value$178,088
CheaperTypical $270,460Pricier

Pricier than 6% of homes nearby

Price per ft²$145
CheaperTypical $217Pricier

Pricier than 5% of homes nearby

Living area1,232 ft²
SmallerTypical 1,200 ft²Bigger

Bigger than 53% of homes nearby

Lot size0.27 ac
SmallerTypical 0.39 acBigger

Bigger than 34% of homes nearby

Year built1988
OlderTypical 1986Newer

Newer than 55% of homes nearby

How 4685 Spruce Ct ranks against every home in each area.
MeasureThis homeMurphyHigh Ridge 63049Jefferson County
Estimated valuepricier than$178,0886% of homes6% of homes10% of homes
Price per ft²pricier than$1458% of homes5% of homes7% of homes
Living areabigger than1,232 ft²64% of homes53% of homes50% of homes
Lot sizebigger than0.27 ac34% of homes34% of homes36% of homes
Year builtnewer than198876% of homes55% of homes53% of homes

About 4685 Spruce Ct

How much is 4685 Spruce Ct, High Ridge, MO worth?

The TopHap Estimate for 4685 Spruce Ct, High Ridge, MO is $178,088 as of Jul 14, 2026. The likely range is $159,474 to $196,702. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4685 Spruce Ct, High Ridge, MO last sell?

4685 Spruce Ct, High Ridge, MO last sold on Sep 3, 2024, according to the county's recorded deed.

How big is 4685 Spruce Ct, High Ridge, MO?

4685 Spruce Ct, High Ridge, MO has 2 bathrooms and 1,232 square feet of living space.

When was 4685 Spruce Ct, High Ridge, MO built?

4685 Spruce Ct, High Ridge, MO was built in 1988, making it 38 years old. The building has 1 story.

How does 4685 Spruce Ct, High Ridge, MO compare to other homes in High Ridge 63049?

Among the 5,964 homes in High Ridge 63049, it is worth more than 6% of them ($178,088 against a typical $270,460), its price per square foot is higher than 5% of them ($145 against a typical $217), it is bigger than 53% of them (1,232 ft² against a typical 1,200 ft²), its lot is bigger than 34% of them (0.27 ac against a typical 0.39 ac) and it is newer than 55% of them (1988 against a typical 1986). Measured against all of Jefferson County, it is worth more than 10% 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 High Ridge 63049

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