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Single Family ResidenceResidential
$335,021$208 / 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 $92,000 on Nov 18, 1998

640 UPPER RIVER RD

GOLD HILL, OR 97525
2
Beds
1
Baths
1,614 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.
2.4 ac
Lot SizeThe size of the land the home sits on, from county records.
1940
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$335K
$321K low$349K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$92,000 · Nov 18, 1998
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.$245,021
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$196,017
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.28%
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.$90,000
ROGUE CREDIT UNION · 6.99% · recorded May 4, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,993 (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.$237,600 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$100,690
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$136,910
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$230,680
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$548,370

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.2 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.Single Family Residence
CountyJackson
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.1980
Lot (acres)The size of the land the home sits on, from county records.2.40
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Heat Pump
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
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.Deck · 96 ft²Shed · 260 ft²Patio · 96 ft²Porch · 422 ft²

Transaction History(7)

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.

M
Hanby Middle SchoolC
Middle · Grades 6–8 · 0.9 mi
E
Patrick Elementary SchoolC-
Elementary · Grades KG–5 · 1.4 mi
H
Crater Renaissance AcademyC-
High · Grades 9–12 · 7.2 mi

District: Central Point School District 6

Neighborhood · ZIP 97525These 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.118
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.115
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.147

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.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.13%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.10%
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.5,561
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.56 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$58,557
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$74,131
Average tempThe average temperature here across a full year.53°F
Annual precipHow much rain and melted snow falls here in a typical year.29 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.48%

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

640 Upper River Rd 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 80% of homes in Jackson County
  • Costs less per square foot than 92% of homes in Jackson County
  • Has a bigger lot than 81% of homes in Jackson County
  • Older than 91% of homes in Jackson County

What homes are worth in Gold Hill 97525

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

This home
$241K$1M

This home is worth more than 24% of homes in Gold Hill 97525.

How it measures up in Gold Hill 97525

The dot is this home. The mark in the middle is the typical home in Gold Hill 97525.

Estimated value$335,021
CheaperTypical $436,373Pricier

Pricier than 24% of homes nearby

Price per ft²$208
CheaperTypical $279Pricier

Pricier than 12% of homes nearby

Living area1,614 ft²
SmallerTypical 1,460 ft²Bigger

Bigger than 60% of homes nearby

Lot size2.4 ac
SmallerTypical 2.05 acBigger

Bigger than 53% of homes nearby

Year built1940
OlderTypical 1979Newer

Newer than 14% of homes nearby

How 640 Upper River Rd ranks against every home in each area.
MeasureThis homeGold Hill 97525Jackson County
Estimated valuepricier than$335,02124% of homes20% of homes
Price per ft²pricier than$20812% of homes8% of homes
Living areabigger than1,614 ft²60% of homes56% of homes
Lot sizebigger than2.4 ac53% of homes81% of homes
Year builtnewer than194014% of homes9% of homes

About 640 Upper River Rd

How much is 640 Upper River Rd, Gold Hill, OR worth?

The TopHap Estimate for 640 Upper River Rd, Gold Hill, OR is $335,021 as of Jul 14, 2026. The likely range is $321,172 to $348,870. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 640 Upper River Rd, Gold Hill, OR last sell?

640 Upper River Rd, Gold Hill, OR last sold on Nov 18, 1998 for $92,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 640 Upper River Rd, Gold Hill, OR?

640 Upper River Rd, Gold Hill, OR has 2 bedrooms, 1 bathrooms, 1,614 square feet of living space and a 2.40-acre lot.

When was 640 Upper River Rd, Gold Hill, OR built?

640 Upper River Rd, Gold Hill, OR was built in 1940, making it 86 years old. The building has 1 story.

What schools serve 640 Upper River Rd, Gold Hill, OR?

640 Upper River Rd, Gold Hill, OR is assigned to Hanby Middle School (middle), rated C; Patrick Elementary School (elementary), rated C-; Crater Renaissance Academy (high), rated C-. All sit in Central Point School District 6. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 640 Upper River Rd, Gold Hill, OR compare to other homes in Gold Hill 97525?

Among the 2,095 homes in Gold Hill 97525, it is worth more than 24% of them ($335,021 against a typical $436,373), its price per square foot is higher than 12% of them ($208 against a typical $279), it is bigger than 60% of them (1,614 ft² against a typical 1,460 ft²), its lot is bigger than 53% of them (2.4 ac against a typical 2.05 ac) and it is newer than 14% of them (1940 against a typical 1979). Measured against all of Jackson County, it is worth more than 20% 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 640 Upper River Rd, Gold Hill, OR?

The 2025 property tax bill for 640 Upper River Rd, Gold Hill, OR was $2,993. The county assessed it at $237,600.

Closest homes

More homes in Gold Hill 97525

Assigned schools

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