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Single Family ResidenceResidential
$100,801
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 43How 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 $41,000 on May 5, 2008

515 W RATCLIFF ST

CARMI, IL 62821
0
Baths

Valuation

$101K
$43K low$158K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$41,000 · May 5, 2008
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.$100,801
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$80,641

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$751 (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.$17,488 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$2,654
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$14,834
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$15,362
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$52,464

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.59
65
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.
88
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
84
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
27
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.143 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.1 percent flood zone

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
CountyWhite

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

H
Carmi-White County High SchoolD+
High · Grades 9–12 · 0.5 mi
M
Carmi White Cnty Jr High SchoolC
Middle · Grades 7–8 · 0.5 mi
E
Lincoln Attendance Center
Elementary · Grades KG–1 · 0.6 mi

District: Carmi-White County Community Unit School District 5

Neighborhood · ZIP 62821These 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.128
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 100.221

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.7.4%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.17%
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.6,903
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.40 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$58,108
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$71,898
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.45 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

515 W Ratcliff 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.

What homes are worth in Carmi 62821

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

This home
$37K$325K

This home is worth more than 46% of homes in Carmi 62821.

How it measures up in Carmi 62821

The dot is this home. The mark in the middle is the typical home in Carmi 62821.

Estimated value$100,801
CheaperTypical $102,856Pricier

Pricier than 46% of homes nearby

How 515 W Ratcliff St ranks against every home in each area.
MeasureThis homeCarmi 62821White County
Estimated valuepricier than$100,80146% of homes58% of homes

About 515 W Ratcliff St

How much is 515 W Ratcliff St, Carmi, IL worth?

The TopHap Estimate for 515 W Ratcliff St, Carmi, IL is $100,801 as of Jul 14, 2026. The likely range is $43,236 to $158,366. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 515 W Ratcliff St, Carmi, IL last sell?

515 W Ratcliff St, Carmi, IL last sold on May 5, 2008 for $41,000, according to the county's recorded deed.

What schools serve 515 W Ratcliff St, Carmi, IL?

515 W Ratcliff St, Carmi, IL is assigned to Carmi-White County High School (high), rated D+; Carmi White Cnty Jr High School (middle), rated C; Lincoln Attendance Center (elementary). All sit in Carmi-White County Community Unit School District 5. Attendance boundaries change — confirm with the district before relying on an assignment.

What are the property taxes on 515 W Ratcliff St, Carmi, IL?

The 2025 property tax bill for 515 W Ratcliff St, Carmi, IL was $751. The county assessed it at $17,488.

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Assigned schools

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