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Single Family ResidenceResidential
$300,626$239 / 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 96How 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 $160,000 on Jun 30, 2005

514 RUDDY CT

TROY, IL 62294
4
Beds
2
Baths
1,256 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.
0.4 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.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$301K
$288K low$314K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$160,000 · Jun 30, 2005
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.$137,186
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$109,749
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.55%
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.$163,440
COUNTRYWIDE HOME LOANS INC · P · recorded Jun 30, 2005

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,343 (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.$83,220 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$13,070
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$70,150
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$77,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$249,660

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.48
37
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
29
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
83
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
71
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
24
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.7 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%

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
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountyMADISON
Lot (acres)The size of the land the home sits on, from county records.0.40
ConstructionThe main material the home's frame and walls are built from.Masonry/Concrete Masonry Units (Cmus)
HeatingThe type of heating system in the home.Yes
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.Garage, Attached
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.Patio · 189 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
Silver Creek Elementary SchoolA-
Elementary · Grades KG–5 · 0.2 mi
H
Triad High SchoolA
High · Grades 9–12 · 1.4 mi
M
Triad Middle SchoolB
Middle · Grades 6–8 · 2.9 mi

District: Triad Community Unit School District 2

Neighborhood · ZIP 62294These 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.52
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.89
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.144

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.28%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.6%
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.12,109
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.435 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$95,300
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$110,330
Average tempThe average temperature here across a full year.55°F
Annual precipHow much rain and melted snow falls here in a typical year.40 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.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

514 Ruddy 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 more than 76% of homes in Madison County
  • Costs more per square foot than 80% of homes in Madison County
  • Has a bigger lot than 71% of homes in Madison County
  • Newer than 81% of homes in Madison County

What homes are worth in Troy 62294

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

This home
$121K$711K

This home is worth more than 45% of homes in Troy 62294.

How it measures up in Troy 62294

The dot is this home. The mark in the middle is the typical home in Troy 62294.

Estimated value$300,626
CheaperTypical $319,866Pricier

Pricier than 45% of homes nearby

Price per ft²$239
CheaperTypical $228Pricier

Pricier than 56% of homes nearby

Living area1,256 ft²
SmallerTypical 1,373 ft²Bigger

Bigger than 42% of homes nearby

Lot size0.4 ac
SmallerTypical 0.3 acBigger

Bigger than 65% of homes nearby

Year built1996
OlderTypical 1994Newer

Newer than 59% of homes nearby

How 514 Ruddy Ct ranks against every home in each area.
MeasureThis homeTroy 62294Madison County
Estimated valuepricier than$300,62645% of homes76% of homes
Price per ft²pricier than$23956% of homes80% of homes
Living areabigger than1,256 ft²42% of homes61% of homes
Lot sizebigger than0.4 ac65% of homes71% of homes
Year builtnewer than199659% of homes81% of homes

About 514 Ruddy Ct

How much is 514 Ruddy Ct, Troy, IL worth?

The TopHap Estimate for 514 Ruddy Ct, Troy, IL is $300,626 as of Jul 14, 2026. The likely range is $287,523 to $313,729. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 514 Ruddy Ct, Troy, IL last sell?

514 Ruddy Ct, Troy, IL last sold on Jun 30, 2005 for $160,000, according to the county's recorded deed.

How big is 514 Ruddy Ct, Troy, IL?

514 Ruddy Ct, Troy, IL has 4 bedrooms, 2 bathrooms, 1,256 square feet of living space and a 0.40-acre lot.

When was 514 Ruddy Ct, Troy, IL built?

514 Ruddy Ct, Troy, IL was built in 1996, making it 30 years old. It is a ranch home. The building has 1 story.

What schools serve 514 Ruddy Ct, Troy, IL?

514 Ruddy Ct, Troy, IL is assigned to Silver Creek Elementary School (elementary), rated A-; Triad High School (high), rated A; Triad Middle School (middle), rated B. All sit in Triad Community Unit School District 2. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 514 Ruddy Ct, Troy, IL compare to other homes in Troy 62294?

Among the 5,706 homes in Troy 62294, it is worth more than 45% of them ($300,626 against a typical $319,866), its price per square foot is higher than 56% of them ($239 against a typical $228), it is bigger than 42% of them (1,256 ft² against a typical 1,373 ft²), its lot is bigger than 65% of them (0.4 ac against a typical 0.3 ac) and it is newer than 59% of them (1996 against a typical 1994). Measured against all of Madison County, it is worth more than 76% 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 514 Ruddy Ct, Troy, IL?

The 2025 property tax bill for 514 Ruddy Ct, Troy, IL was $5,343. The county assessed it at $83,220.

Closest homes

More homes in Troy 62294

Assigned schools

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