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Single Family ResidenceResidential
$472,540$240 / 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 93How 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 $306,000 on Apr 6, 2021

660 RATCLIFF LN

CEDAR BLUFF, VA 24609
3
Beds
3 / 2
Baths
1,971 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.
1 ac
Lot SizeThe size of the land the home sits on, from county records.
1990
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
5
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$473K
$440K low$505K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$306,000 · Apr 6, 2021
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.$322,540
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$258,032
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.$150,000
NEW PEOPLES BANK INC · recorded Nov 10, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,127 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$367,400 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$30,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$337,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$254,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$367,400

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.18 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.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
CountyRUSSELL
Lot (acres)The size of the land the home sits on, from county records.1.00
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Space
CoolingThe type of cooling or air conditioning in the home.None
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.Mixed
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 · 300 ft²Porch · 147 ft²

Transaction History(4)

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
Belfast Elementary SchoolA+
Elementary · Grades PK–5 · 1.2 mi
M
Lebanon Middle SchoolC+
Middle · Grades 5–7 · 12.3 mi
H
Lebanon High SchoolD+
High · Grades 8–12 · 13.9 mi

District: Russell County Public Schools

Neighborhood · ZIP 24609These 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.94
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.98
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.100

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.88%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.11%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.14%
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.6,330
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.64 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$51,961
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$66,152
Average tempThe average temperature here across a full year.50°F
Annual precipHow much rain and melted snow falls here in a typical year.48 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.59%

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

660 Ratcliff 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.

  • Worth more than 98% of homes in Russell County
  • Among the highest price per square foot in Russell County
  • Bigger than 85% of homes in Russell County
  • Newer than 78% of homes in Russell County

What homes are worth in Cedar Bluff 24609

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

This home
$22K$501K

This home is worth more than 97% of homes in Cedar Bluff 24609.

How it measures up in Cedar Bluff 24609

The dot is this home. The mark in the middle is the typical home in Cedar Bluff 24609.

Estimated value$472,540
CheaperTypical $135,145Pricier

Pricier than 97% of homes nearby

Price per ft²$240
CheaperTypical $107Pricier

Pricier than 98% of homes nearby

Living area1,971 ft²
SmallerTypical 1,440 ft²Bigger

Bigger than 79% of homes nearby

Lot size1 ac
SmallerTypical 1 acBigger

Bigger than 53% of homes nearby

Year built1990
OlderTypical 1974Newer

Newer than 77% of homes nearby

How 660 Ratcliff Ln ranks against every home in each area.
MeasureThis homeCedar Bluff 24609Russell County
Estimated valuepricier than$472,54097% of homes98% of homes
Price per ft²pricier than$24098% of homesalmost all homes
Living areabigger than1,971 ft²79% of homes85% of homes
Lot sizebigger than1 ac53% of homes56% of homes
Year builtnewer than199077% of homes78% of homes

About 660 Ratcliff Ln

How much is 660 Ratcliff Ln, Cedar Bluff, VA worth?

The TopHap Estimate for 660 Ratcliff Ln, Cedar Bluff, VA is $472,540 as of Jul 14, 2026. The likely range is $440,284 to $504,796. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 660 Ratcliff Ln, Cedar Bluff, VA last sell?

660 Ratcliff Ln, Cedar Bluff, VA last sold on Apr 6, 2021 for $306,000, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 660 Ratcliff Ln, Cedar Bluff, VA?

660 Ratcliff Ln, Cedar Bluff, VA has 3 bedrooms, 3 bathrooms, 1,971 square feet of living space and a 1.00-acre lot.

When was 660 Ratcliff Ln, Cedar Bluff, VA built?

660 Ratcliff Ln, Cedar Bluff, VA was built in 1990, making it 36 years old. The building has 1 story.

What schools serve 660 Ratcliff Ln, Cedar Bluff, VA?

660 Ratcliff Ln, Cedar Bluff, VA is assigned to Belfast Elementary School (elementary), rated A+; Lebanon Middle School (middle), rated C+; Lebanon High School (high), rated D+. All sit in Russell County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 660 Ratcliff Ln, Cedar Bluff, VA compare to other homes in Cedar Bluff 24609?

Among the 2,756 homes in Cedar Bluff 24609, it is worth more than 97% of them ($472,540 against a typical $135,145), its price per square foot is higher than 98% of them ($240 against a typical $107), it is bigger than 79% of them (1,971 ft² against a typical 1,440 ft²), its lot is bigger than 53% of them (1 ac against a typical 1 ac) and it is newer than 77% of them (1990 against a typical 1974). Measured against all of Russell County, it is worth more than 98% 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 660 Ratcliff Ln, Cedar Bluff, VA?

The 2026 property tax bill for 660 Ratcliff Ln, Cedar Bluff, VA was $2,127. The county assessed it at $367,400.

Closest homes

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Assigned schools

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