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Single Family ResidenceResidential
$215,567$168 / 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 85How 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

520 RUDDY ST

LOCKHART, TX 78644
3
Beds
2
Baths
1,284 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.
0.2 ac
Lot SizeThe size of the land the home sits on, from county records.
2002
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$216K
$184K low$247K 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.$215,567
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$172,454

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,191 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$197,073 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$85,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$222,830
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$179,157
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$308,330

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.46
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
57
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
98
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
45
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
30
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

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.Georgian
CountyCaldwell
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2005
Lot (acres)The size of the land the home sits on, from county records.0.20
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Mat/Raft Foundation (Slab)
HeatingThe type of heating system in the home.Central
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.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 31 ft²Porch · 85 ft²

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

H
Lockhart High SchoolD+
High · Grades 9–12 · 0.8 mi
E
Plum Creek Elementary SchoolA-
Elementary · Grades KG–5 · 1.3 mi
M
Lockhart Junior High SchoolC
Middle · Grades 6–8 · 2.3 mi

District: Lockhart Independent School District

Neighborhood · ZIP 78644These 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.84
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.21

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.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.14%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
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.27,312
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.143 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$67,942
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$87,386
Average tempThe average temperature here across a full year.68°F
Annual precipHow much rain and melted snow falls here in a typical year.36 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.60%

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

520 Ruddy 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.

  • Worth less than 73% of homes in Lockhart 78644
  • Costs less per square foot than 73% of homes in Caldwell County
  • Smaller than 67% of homes in Lockhart 78644
  • Has a smaller lot than 75% of homes in Caldwell County

What homes are worth in Lockhart 78644

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

This home
$125K$883K

This home is worth more than 27% of homes in Lockhart 78644.

How it measures up in Lockhart 78644

The dot is this home. The mark in the middle is the typical home in Lockhart 78644.

Estimated value$215,567
CheaperTypical $282,658Pricier

Pricier than 27% of homes nearby

Price per ft²$168
CheaperTypical $185Pricier

Pricier than 28% of homes nearby

Living area1,284 ft²
SmallerTypical 1,527 ft²Bigger

Bigger than 33% of homes nearby

Lot size0.2 ac
SmallerTypical 0.28 acBigger

Bigger than 35% of homes nearby

Year built2002
OlderTypical 1998Newer

Newer than 59% of homes nearby

How 520 Ruddy St ranks against every home in each area.
MeasureThis homeLockhart 78644Caldwell County
Estimated valuepricier than$215,56727% of homes27% of homes
Price per ft²pricier than$16828% of homes27% of homes
Living areabigger than1,284 ft²33% of homes38% of homes
Lot sizebigger than0.2 ac35% of homes25% of homes
Year builtnewer than200259% of homes62% of homes

About 520 Ruddy St

How much is 520 Ruddy St, Lockhart, TX worth?

The TopHap Estimate for 520 Ruddy St, Lockhart, TX is $215,567 as of Jul 14, 2026. The likely range is $184,173 to $246,961. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 520 Ruddy St, Lockhart, TX last sell?

520 Ruddy St, Lockhart, TX last sold on Aug 26, 2002, according to the county's recorded deed.

How big is 520 Ruddy St, Lockhart, TX?

520 Ruddy St, Lockhart, TX has 3 bedrooms, 2 bathrooms, 1,284 square feet of living space and a 0.20-acre lot.

When was 520 Ruddy St, Lockhart, TX built?

520 Ruddy St, Lockhart, TX was built in 2002, making it 24 years old. It is a georgian home. The building has 1 story.

What schools serve 520 Ruddy St, Lockhart, TX?

520 Ruddy St, Lockhart, TX is assigned to Lockhart High School (high), rated D+; Plum Creek Elementary School (elementary), rated A-; Lockhart Junior High School (middle), rated C. All sit in Lockhart Independent School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 520 Ruddy St, Lockhart, TX compare to other homes in Lockhart 78644?

Among the 9,217 homes in Lockhart 78644, it is worth more than 27% of them ($215,567 against a typical $282,658), its price per square foot is higher than 28% of them ($168 against a typical $185), it is bigger than 33% of them (1,284 ft² against a typical 1,527 ft²), its lot is bigger than 35% of them (0.2 ac against a typical 0.28 ac) and it is newer than 59% of them (2002 against a typical 1998). Measured against all of Caldwell County, it is worth more than 27% 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 520 Ruddy St, Lockhart, TX?

The 2024 property tax bill for 520 Ruddy St, Lockhart, TX was $2,191. The county assessed it at $197,073.

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