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Single Family ResidenceResidential
$318,525$212 / 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 98How 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 $200,000 on Feb 2, 2012

496 RATCLIFF LN

CEDAR BLUFF, VA 24609
4
Beds
3 / 2
Baths
1,503 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.
2.87 ac
Lot SizeThe size of the land the home sits on, from county records.
1986
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$319K
$312K low$325K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$200,000 · Feb 2, 2012
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.$168,525
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$134,820
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.50%
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.$150,000
CRESCENT MORTGAGE CO · recorded Feb 2, 2012

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,408 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$243,100 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$45,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$197,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$174,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$243,100

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.19 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
CountyRUSSELL
Lot (acres)The size of the land the home sits on, from county records.2.87
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Space
CoolingThe type of cooling or air conditioning in the home.Partial
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 · 446 ft²Porch · 90 ft²

Transaction History(1)

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
Belfast Elementary SchoolA+
Elementary · Grades PK–5 · 1.1 mi
M
Lebanon Middle SchoolC+
Middle · Grades 5–7 · 12.3 mi
H
Lebanon High SchoolD+
High · Grades 8–12 · 14.0 mi

District: Russell County Public Schools

Neighborhood · ZIP 24609These 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.98
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.100

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.88%
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.14%
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.6,330
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.64 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$51,961
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$66,152
Average tempThe average temperature here across a full year.50°F
Annual precipHow much rain and melted snow falls here in a typical year.48 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.59%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
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

496 Ratcliff Ln 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 91% of homes in Russell County
  • Costs more per square foot than 97% of homes in Russell County
  • Has a bigger lot than 75% of homes in Cedar Bluff 24609
  • Newer than 73% of homes in Russell County

What homes are worth in Cedar Bluff 24609

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

This home
$22K$496K

This home is worth more than 89% of homes in Cedar Bluff 24609.

How it measures up in Cedar Bluff 24609

The dot is this home. The mark in the middle is the typical home in Cedar Bluff 24609.

Estimated value$318,525
CheaperTypical $135,000Pricier

Pricier than 89% of homes nearby

Price per ft²$212
CheaperTypical $107Pricier

Pricier than 96% of homes nearby

Living area1,503 ft²
SmallerTypical 1,440 ft²Bigger

Bigger than 54% of homes nearby

Lot size2.87 ac
SmallerTypical 1 acBigger

Bigger than 75% of homes nearby

Year built1986
OlderTypical 1974Newer

Newer than 70% of homes nearby

How 496 Ratcliff Ln ranks against every home in each area.
MeasureThis homeCedar Bluff 24609Russell County
Estimated valuepricier than$318,52589% of homes91% of homes
Price per ft²pricier than$21296% of homes97% of homes
Living areabigger than1,503 ft²54% of homes63% of homes
Lot sizebigger than2.87 ac75% of homes75% of homes
Year builtnewer than198670% of homes73% of homes

About 496 Ratcliff Ln

How much is 496 Ratcliff Ln, Cedar Bluff, VA worth?

The TopHap Estimate for 496 Ratcliff Ln, Cedar Bluff, VA is $318,525 as of Jul 14, 2026. The likely range is $311,776 to $325,274. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 496 Ratcliff Ln, Cedar Bluff, VA last sell?

496 Ratcliff Ln, Cedar Bluff, VA last sold on Feb 2, 2012 for $200,000, according to the county's recorded deed.

How big is 496 Ratcliff Ln, Cedar Bluff, VA?

496 Ratcliff Ln, Cedar Bluff, VA has 4 bedrooms, 3 bathrooms, 1,503 square feet of living space and a 2.87-acre lot.

When was 496 Ratcliff Ln, Cedar Bluff, VA built?

496 Ratcliff Ln, Cedar Bluff, VA was built in 1986, making it 40 years old. The building has 1 story.

What schools serve 496 Ratcliff Ln, Cedar Bluff, VA?

496 Ratcliff Ln, Cedar Bluff, VA is assigned to Belfast Elementary School (elementary), rated A+; Lebanon Middle School (middle), rated C+; Lebanon High School (high), rated D+. All sit in Russell County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 496 Ratcliff Ln, Cedar Bluff, VA compare to other homes in Cedar Bluff 24609?

Among the 2,756 homes in Cedar Bluff 24609, it is worth more than 89% of them ($318,525 against a typical $135,000), its price per square foot is higher than 96% of them ($212 against a typical $107), it is bigger than 54% of them (1,503 ft² against a typical 1,440 ft²), its lot is bigger than 75% of them (2.87 ac against a typical 1 ac) and it is newer than 70% of them (1986 against a typical 1974). Measured against all of Russell County, it is worth more than 91% 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 496 Ratcliff Ln, Cedar Bluff, VA?

The 2026 property tax bill for 496 Ratcliff Ln, Cedar Bluff, VA was $1,408. The county assessed it at $243,100.

Closest homes

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Assigned schools

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