Skip to content
Skip to content
TopHapOpen in map
CondominiumResidential
$319,762$673 / 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 86How 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

628 RUBY ST

MCCALL, ID 83638
1
Beds
1
Baths
475 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.
1972
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$320K
$276K low$363K 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.$187,762
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$150,210
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.36%
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.$132,000
UMPQUA BANK · recorded Aug 11, 2014

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,021 (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.$411,604 (2026)
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$411,604
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$399,498
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$411,604

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.39
10
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
39
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
45
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
73
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
28
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.15 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
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.Condominium
StyleThe architectural style of the home, such as ranch or colonial.Condo/Apartment
CountyVALLEY
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.1990
RoofThe main material covering the roof, such as asphalt shingle or tile.Builtup (layered Asphalt)
HeatingThe type of heating system in the home.Baseboard
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.Yes

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

H
McCall-Donnelly High SchoolA
High · Grades 9–12 · 1.3 mi
M
Payette Lakes Middle SchoolA
Middle · Grades 6–8 · 1.7 mi
E
Barbara R Morgan Elementary SchoolB
Elementary · Grades PK–5 · 1.7 mi

District: McCall-Donnelly Joint School District 421

Neighborhood · ZIP 83638These 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.114
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.112

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.48%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.24%
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.1.3%
PopulationHow many people live in this area.9,146
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.15 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$84,052
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$102,387
Average tempThe average temperature here across a full year.40°F
Annual precipHow much rain and melted snow falls here in a typical year.37 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.64%

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

628 Ruby 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 90% of homes in McCall 83638
  • Costs more per square foot than 89% of homes in Valley County
  • Smaller than 98% of homes in McCall 83638
  • Older than 84% of homes in McCall 83638

What homes are worth in McCall 83638

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

This home
$193K$4.4M

This home is worth more than 10% of homes in McCall 83638.

How it measures up in McCall 83638

The dot is this home. The mark in the middle is the typical home in McCall 83638.

Estimated value$319,762
CheaperTypical $658,078Pricier

Pricier than 10% of homes nearby

Price per ft²$673
CheaperTypical $356Pricier

Pricier than 88% of homes nearby

Living area475 ft²
SmallerTypical 1,769 ft²Bigger

Bigger than 2% of homes nearby

Year built1972
OlderTypical 1995Newer

Newer than 16% of homes nearby

How 628 Ruby St ranks against every home in each area.
MeasureThis homeMcCall 83638Valley County
Estimated valuepricier than$319,76210% of homes12% of homes
Price per ft²pricier than$67388% of homes89% of homes
Living areabigger than475 ft²2% of homes3% of homes
Year builtnewer than197216% of homes16% of homes

About 628 Ruby St

How much is 628 Ruby St, Mccall, ID worth?

The TopHap Estimate for 628 Ruby St, Mccall, ID is $319,762 as of Jul 14, 2026. The likely range is $276,366 to $363,158. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 628 Ruby St, Mccall, ID last sell?

628 Ruby St, Mccall, ID last sold on Aug 14, 2006, according to the county's recorded deed.

How big is 628 Ruby St, Mccall, ID?

628 Ruby St, Mccall, ID has 1 bedrooms, 1 bathrooms and 475 square feet of living space.

When was 628 Ruby St, Mccall, ID built?

628 Ruby St, Mccall, ID was built in 1972, making it 54 years old. It is a condo/apartment home. The building has 1 story.

What schools serve 628 Ruby St, Mccall, ID?

628 Ruby St, Mccall, ID is assigned to McCall-Donnelly High School (high), rated A; Payette Lakes Middle School (middle), rated A; Barbara R Morgan Elementary School (elementary), rated B. All sit in McCall-Donnelly Joint School District 421. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 628 Ruby St, Mccall, ID compare to other homes in McCall 83638?

Among the 6,957 homes in McCall 83638, it is worth more than 10% of them ($319,762 against a typical $658,078), its price per square foot is higher than 88% of them ($673 against a typical $356), it is bigger than 2% of them (475 ft² against a typical 1,769 ft²) and it is newer than 16% of them (1972 against a typical 1995). Measured against all of Valley County, it is worth more than 12% 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 628 Ruby St, Mccall, ID?

The 2025 property tax bill for 628 Ruby St, Mccall, ID was $2,021. The county assessed it at $411,604.

Closest homes

More homes in Mccall 83638

Assigned schools

Explore the area

See this home in context

Open 628 Ruby St on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map