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Single Family ResidenceResidential
$267,109$138 / 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 88How 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 $106,000 on Oct 12, 2004

646 RACOON LN

LORIDA, FL 33857
2
Beds
2
Baths
1,932 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.
0.26 ac
Lot SizeThe size of the land the home sits on, from county records.
1984
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$267K
$234K low$300K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$106,000 · Oct 12, 2004
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.$193,709
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$154,967
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.33%
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.$73,400
GREEN TREE SERVICING LLC · R · recorded Nov 18, 2013

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$791 (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.$67,990 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$66,074
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$139,410

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.62
73
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
42
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.
75
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
24
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.48 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
CountyHighlands
Lot (acres)The size of the land the home sits on, from county records.0.27
ConstructionThe main material the home's frame and walls are built from.Masonry/Concrete Masonry Units (Cmus)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Central
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 · 104 ft²Shed · 120 ft²Patio · 104 ft²Porch · 380 ft²

Transaction History(1)

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.

E
Fred Wild Elementary SchoolC-
Elementary · Grades PK–5 · 12.8 mi
H
Sebring High SchoolD+
High · Grades 9–12 · 12.9 mi
M
Sebring Middle SchoolC
Middle · Grades 6–8 · 13.5 mi

District: Highlands County School District

Neighborhood · ZIP 33857These 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.142
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.166
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.22

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.69%
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.13%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.2,073
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.9 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$45,979
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$70,209
Average tempThe average temperature here across a full year.73°F
Annual precipHow much rain and melted snow falls here in a typical year.51 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.68%

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

646 Racoon Ln 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 72% of homes in Lorida 33857
  • Has a smaller lot than 73% of homes in Lorida 33857

What homes are worth in Lorida 33857

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

This home
$32K$685K

This home is worth more than 53% of homes in Lorida 33857.

How it measures up in Lorida 33857

The dot is this home. The mark in the middle is the typical home in Lorida 33857.

Estimated value$267,109
CheaperTypical $260,297Pricier

Pricier than 53% of homes nearby

Price per ft²$138
CheaperTypical $155Pricier

Pricier than 36% of homes nearby

Living area1,932 ft²
SmallerTypical 1,440 ft²Bigger

Bigger than 72% of homes nearby

Lot size0.26 ac
SmallerTypical 0.83 acBigger

Bigger than 27% of homes nearby

Year built1984
OlderTypical 1982Newer

Newer than 55% of homes nearby

How 646 Racoon Ln ranks against every home in each area.
MeasureThis homeLorida 33857Highlands County
Estimated valuepricier than$267,10953% of homes60% of homes
Price per ft²pricier than$13836% of homes54% of homes
Living areabigger than1,932 ft²72% of homes65% of homes
Lot sizebigger than0.26 ac27% of homes55% of homes
Year builtnewer than198455% of homes47% of homes

About 646 Racoon Ln

How much is 646 Racoon Ln, Lorida, FL worth?

The TopHap Estimate for 646 Racoon Ln, Lorida, FL is $267,109 as of Jul 14, 2026. The likely range is $234,108 to $300,110. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 646 Racoon Ln, Lorida, FL last sell?

646 Racoon Ln, Lorida, FL last sold on Oct 12, 2004 for $106,000, according to the county's recorded deed.

How big is 646 Racoon Ln, Lorida, FL?

646 Racoon Ln, Lorida, FL has 2 bedrooms, 2 bathrooms, 1,932 square feet of living space and a 0.27-acre lot.

When was 646 Racoon Ln, Lorida, FL built?

646 Racoon Ln, Lorida, FL was built in 1984, making it 42 years old. The building has 2 stories.

What schools serve 646 Racoon Ln, Lorida, FL?

646 Racoon Ln, Lorida, FL is assigned to Fred Wild Elementary School (elementary), rated C-; Sebring High School (high), rated D+; Sebring Middle School (middle), rated C. All sit in Highlands County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 646 Racoon Ln, Lorida, FL compare to other homes in Lorida 33857?

Among the 861 homes in Lorida 33857, it is worth more than 53% of them ($267,109 against a typical $260,297), its price per square foot is higher than 36% of them ($138 against a typical $155), it is bigger than 72% of them (1,932 ft² against a typical 1,440 ft²), its lot is bigger than 27% of them (0.26 ac against a typical 0.83 ac) and it is newer than 55% of them (1984 against a typical 1982). Measured against all of Highlands County, it is worth more than 60% 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 646 Racoon Ln, Lorida, FL?

The 2024 property tax bill for 646 Racoon Ln, Lorida, FL was $791. The county assessed it at $67,990.

Closest homes

More homes in Lorida 33857

Assigned schools

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