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Rural ResidenceResidential
$300,638$116 / 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 89How 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 $320,000 on May 22, 2026

678 RUCKMAN LN

MONTEREY, VA 24465
3
Beds
1
Baths
2,592 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.
4.56 ac
Lot SizeThe size of the land the home sits on, from county records.
1894
Year BuiltThe year the home was originally built, according to county records.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$301K
$268K low$333K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$320,000 · May 22, 2026
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.$0
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$0
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.124%
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.$310,400
Null Placeholder · 6.37% 2 · recorded May 22, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,181 (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.$231,600 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$71,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$160,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$231,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$231,600

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.51
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
27
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
68
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
95
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
68
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
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.Rural Residence
CountyHIGHLAND
Lot (acres)The size of the land the home sits on, from county records.4.56
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system 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.Shed · 3 ft²Porch · 252 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.

M
Highland High SchoolA-
Middle · Grades 6–12 · 4.7 mi
E
Highland Elementary SchoolB+
Elementary · Grades PK–5 · 4.7 mi

District: Highland County Public Schools

Neighborhood · ZIP 24465These 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.125
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.79
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.43

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.66%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.26%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.5%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.5%
PopulationHow many people live in this area.1,368
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.8 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$60,898
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$72,757
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.44 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.63%

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

678 Ruckman 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.

  • Costs less per square foot than 87% of homes in Monterey 24465
  • Bigger than 91% of homes in Highland County
  • Older than 93% of homes in Monterey 24465

What homes are worth in Monterey 24465

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

This home
$95K$1.6M

This home is worth more than 47% of homes in Monterey 24465.

How it measures up in Monterey 24465

The dot is this home. The mark in the middle is the typical home in Monterey 24465.

Estimated value$300,638
CheaperTypical $317,848Pricier

Pricier than 47% of homes nearby

Price per ft²$116
CheaperTypical $204Pricier

Pricier than 13% of homes nearby

Living area2,592 ft²
SmallerTypical 1,502 ft²Bigger

Bigger than 89% of homes nearby

Lot size4.56 ac
SmallerTypical 5.35 acBigger

Bigger than 46% of homes nearby

Year built1894
OlderTypical 1973Newer

Newer than 7% of homes nearby

How 678 Ruckman Ln ranks against every home in each area.
MeasureThis homeMonterey 24465Highland County
Estimated valuepricier than$300,63847% of homes47% of homes
Price per ft²pricier than$11613% of homes13% of homes
Living areabigger than2,592 ft²89% of homes91% of homes
Lot sizebigger than4.56 ac46% of homes44% of homes
Year builtnewer than18947% of homes9% of homes

About 678 Ruckman Ln

How much is 678 Ruckman Ln, Monterey, VA worth?

The TopHap Estimate for 678 Ruckman Ln, Monterey, VA is $300,638 as of Jul 14, 2026. The likely range is $267,933 to $333,343. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 678 Ruckman Ln, Monterey, VA last sell?

678 Ruckman Ln, Monterey, VA last sold on May 22, 2026 for $320,000, according to the county's recorded deed.

How big is 678 Ruckman Ln, Monterey, VA?

678 Ruckman Ln, Monterey, VA has 3 bedrooms, 1 bathrooms, 2,592 square feet of living space and a 4.56-acre lot.

When was 678 Ruckman Ln, Monterey, VA built?

678 Ruckman Ln, Monterey, VA was built in 1894, making it 132 years old.

What schools serve 678 Ruckman Ln, Monterey, VA?

678 Ruckman Ln, Monterey, VA is assigned to Highland High School (middle), rated A-; Highland Elementary School (elementary), rated B+. All sit in Highland County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 678 Ruckman Ln, Monterey, VA compare to other homes in Monterey 24465?

Among the 1,002 homes in Monterey 24465, it is worth more than 47% of them ($300,638 against a typical $317,848), its price per square foot is higher than 13% of them ($116 against a typical $204), it is bigger than 89% of them (2,592 ft² against a typical 1,502 ft²), its lot is bigger than 46% of them (4.56 ac against a typical 5.35 ac) and it is newer than 7% of them (1894 against a typical 1973). Measured against all of Highland County, it is worth more than 47% 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 678 Ruckman Ln, Monterey, VA?

The 2026 property tax bill for 678 Ruckman Ln, Monterey, VA was $1,181. The county assessed it at $231,600.

Closest homes

More homes in Monterey 24465

Assigned schools

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