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Single Family ResidenceResidential
$134,881$87 / 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 80How 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

540 N SAINT JOSEPH ST

BLACK ROCK, AR 72415
3
Baths
1,544 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.
0.1 ac
Lot SizeThe size of the land the home sits on, from county records.
2003
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$135K
$107K low$163K 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.$98,881
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$79,105
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.31%
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.$36,000
PULASKI BANK & TRUST CO · recorded Jul 17, 2008

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$560 (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.$18,250 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$720
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$17,530
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$18,250
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$91,250

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyLawrence
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Closed Piers
RoofThe main material covering the roof, such as asphalt shingle or tile.Fiberglass
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.Carport (Unspecified)
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.Deck · 364 ft²Patio · 364 ft²Porch · 196 ft²

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

M
Walnut Ridge High SchoolB
Middle · Grades 7–12 · 8.9 mi
E
Walnut Ridge Elementary SchoolC
Elementary · Grades PK–6 · 8.9 mi

District: Lawrence County School District

Neighborhood · ZIP 72415These 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.109
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.160
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.232

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.87%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.6.9%
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.0.9%
PopulationHow many people live in this area.1,845
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.33 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$59,511
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$69,575
Average tempThe average temperature here across a full year.60°F
Annual precipHow much rain and melted snow falls here in a typical year.50 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.73%

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

540 N Saint Joseph 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.

  • Bigger than 65% of homes in Lawrence County
  • Has a smaller lot than 98% of homes in Lawrence County
  • Older than 70% of homes in Black Rock 72415

What homes are worth in Black Rock 72415

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

This home
$40K$400K

This home is worth more than 54% of homes in Black Rock 72415.

How it measures up in Black Rock 72415

The dot is this home. The mark in the middle is the typical home in Black Rock 72415.

Estimated value$134,881
CheaperTypical $123,920Pricier

Pricier than 54% of homes nearby

Price per ft²$87
CheaperTypical $91Pricier

Pricier than 47% of homes nearby

Living area1,544 ft²
SmallerTypical 1,327 ft²Bigger

Bigger than 64% of homes nearby

Lot size0.1 ac
SmallerTypical 5 acBigger

Bigger than 3% of homes nearby

Year built2003
OlderTypical 2008Newer

Newer than 30% of homes nearby

How 540 N Saint Joseph St ranks against every home in each area.
MeasureThis homeBlack Rock 72415Lawrence County
Estimated valuepricier than$134,88154% of homes57% of homes
Price per ft²pricier than$8747% of homes49% of homes
Living areabigger than1,544 ft²64% of homes65% of homes
Lot sizebigger than0.1 ac3% of homes2% of homes
Year builtnewer than200330% of homes38% of homes

About 540 N Saint Joseph St

How much is 540 N Saint Joseph St, Black Rock, AR worth?

The TopHap Estimate for 540 N Saint Joseph St, Black Rock, AR is $134,881 as of Jul 14, 2026. The likely range is $107,237 to $162,525. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 540 N Saint Joseph St, Black Rock, AR last sell?

540 N Saint Joseph St, Black Rock, AR last sold on Mar 17, 2004, according to the county's recorded deed.

How big is 540 N Saint Joseph St, Black Rock, AR?

540 N Saint Joseph St, Black Rock, AR has 3 bathrooms and 1,544 square feet of living space.

When was 540 N Saint Joseph St, Black Rock, AR built?

540 N Saint Joseph St, Black Rock, AR was built in 2003, making it 23 years old. The building has 1 story.

What schools serve 540 N Saint Joseph St, Black Rock, AR?

540 N Saint Joseph St, Black Rock, AR is assigned to Walnut Ridge High School (middle), rated B; Walnut Ridge Elementary School (elementary), rated C. All sit in Lawrence County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 540 N Saint Joseph St, Black Rock, AR compare to other homes in Black Rock 72415?

Among the 616 homes in Black Rock 72415, it is worth more than 54% of them ($134,881 against a typical $123,920), its price per square foot is higher than 47% of them ($87 against a typical $91), it is bigger than 64% of them (1,544 ft² against a typical 1,327 ft²), its lot is bigger than 3% of them (0.1 ac against a typical 5 ac) and it is newer than 30% of them (2003 against a typical 2008). Measured against all of Lawrence County, it is worth more than 57% 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 540 N Saint Joseph St, Black Rock, AR?

The 2024 property tax bill for 540 N Saint Joseph St, Black Rock, AR was $560. The county assessed it at $18,250.

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Assigned schools

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