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Single Family ResidenceResidential
$233,020$177 / 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 90How 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

6491 WHITE ROCK RD

CLEVELAND, TX 77328
2
Baths
1,318 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.
3 ac
Lot SizeThe size of the land the home sits on, from county records.
1955
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$233K
$209K low$257K 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.$145,820
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$116,656
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.37%
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.$87,200
HOMETRUST MORTGAGE CO · recorded Sep 20, 2016

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,253 (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.$153,513 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$150,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$97,625
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$139,557
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$247,625

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.5 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.''

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.Conventional
CountyMontgomery
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.1987
Lot (acres)The size of the land the home sits on, from county records.3.00
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.Masonry (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Electric
CoolingThe type of cooling or air conditioning in the home.None
FireplaceWhether the home has a fireplace, and what kind.Yes
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.Shed · 121 ft²Porch · 240 ft²

Transaction History(2)

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
Piney Woods Elementary SchoolC-
Elementary · Grades PK–6 · 6.8 mi
M
Splendora Junior High SchoolC
Middle · Grades 7–8 · 6.9 mi
H
Splendora High SchoolD
High · Grades 9–12 · 7.3 mi

District: Splendora Independent School District

Neighborhood · ZIP 77328These 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.95
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 100.19

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.91%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.8.8%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.18%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.6%
PopulationHow many people live in this area.22,859
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.120 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$59,342
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$87,668
Average tempThe average temperature here across a full year.67°F
Annual precipHow much rain and melted snow falls here in a typical year.53 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.61%

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

6491 White Rock 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 88% of homes in Montgomery County
  • Smaller than 84% of homes in Montgomery County
  • Has a bigger lot than 94% of homes in Montgomery County
  • Among the oldest homes in Montgomery County

What homes are worth in Cleveland 77328

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

This home
$91K$704K

This home is worth more than 39% of homes in Cleveland 77328.

How it measures up in Cleveland 77328

The dot is this home. The mark in the middle is the typical home in Cleveland 77328.

Estimated value$233,020
CheaperTypical $257,550Pricier

Pricier than 39% of homes nearby

Price per ft²$177
CheaperTypical $169Pricier

Pricier than 55% of homes nearby

Living area1,318 ft²
SmallerTypical 1,408 ft²Bigger

Bigger than 44% of homes nearby

Lot size3 ac
SmallerTypical 1.55 acBigger

Bigger than 72% of homes nearby

Year built1955
OlderTypical 2000Newer

Newer than 3% of homes nearby

How 6491 White Rock Rd ranks against every home in each area.
MeasureThis homeCleveland 77328Montgomery County
Estimated valuepricier than$233,02039% of homes12% of homes
Price per ft²pricier than$17755% of homes50% of homes
Living areabigger than1,318 ft²44% of homes16% of homes
Lot sizebigger than3 ac72% of homes94% of homes
Year builtnewer than19553% of homesalmost no homes

About 6491 White Rock Rd

How much is 6491 White Rock Rd, Cleveland, TX worth?

The TopHap Estimate for 6491 White Rock Rd, Cleveland, TX is $233,020 as of Jul 14, 2026. The likely range is $209,455 to $256,585. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 6491 White Rock Rd, Cleveland, TX last sell?

6491 White Rock Rd, Cleveland, TX last sold on Sep 20, 2016, according to the county's recorded deed.

How big is 6491 White Rock Rd, Cleveland, TX?

6491 White Rock Rd, Cleveland, TX has 2 bathrooms, 1,318 square feet of living space and a 3.00-acre lot.

When was 6491 White Rock Rd, Cleveland, TX built?

6491 White Rock Rd, Cleveland, TX was built in 1955, making it 71 years old. It is a conventional home. The building has 1 story.

What schools serve 6491 White Rock Rd, Cleveland, TX?

6491 White Rock Rd, Cleveland, TX is assigned to Piney Woods Elementary School (elementary), rated C-; Splendora Junior High School (middle), rated C; Splendora High School (high), rated D. All sit in Splendora Independent School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 6491 White Rock Rd, Cleveland, TX compare to other homes in Cleveland 77328?

Among the 6,589 homes in Cleveland 77328, it is worth more than 39% of them ($233,020 against a typical $257,550), its price per square foot is higher than 55% of them ($177 against a typical $169), it is bigger than 44% of them (1,318 ft² against a typical 1,408 ft²), its lot is bigger than 72% of them (3 ac against a typical 1.55 ac) and it is newer than 3% of them (1955 against a typical 2000). Measured against all of Montgomery 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 6491 White Rock Rd, Cleveland, TX?

The 2024 property tax bill for 6491 White Rock Rd, Cleveland, TX was $1,253. The county assessed it at $153,513.

Closest homes

More homes in Cleveland 77328

Assigned schools

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