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Single Family ResidenceResidential
$222,322$91 / 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 68How 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

681 ROSS RD

SPAVINAW, OK 74366
3
Beds
2
Baths
2,440 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.
4.19 ac
Lot SizeThe size of the land the home sits on, from county records.
1974
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.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$222K
$151K low$293K 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.$24,255
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$19,404
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.107%
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.$182,700
AMERICAN BANK OF OKLAHOMA · recorded Jun 14, 2019
2nd 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.$15,367
DEPARTMENT OF VETERANS AFFAIRS

Tax & Assessment

Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$15,712 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$1,575
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$14,137
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$15,254
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$307,967

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.70
99
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
75
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
87
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
68
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
22
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.177 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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
StyleThe architectural style of the home, such as ranch or colonial.Traditional/Old
CountyMayes
Lot (acres)The size of the land the home sits on, from county records.4.19
ConstructionThe main material the home's frame and walls are built from.Brick
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Footing
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
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.Carport (Unspecified)
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 · 176 ft²Shed · 48 ft²Porch · 300 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
Jay Elementary SchoolB-
Elementary · Grades PK–3 · 15.3 mi
H
Jay High SchoolD
High · Grades 9–12 · 15.4 mi
M
Jay Middle SchoolB
Middle · Grades 6–8 · 15.4 mi

District: Jay Public Schools

Neighborhood · ZIP 74366These 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.155
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.96
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.34

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.72%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.8.1%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.23%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.1,505
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.42 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$41,116
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$53,182
Average tempThe average temperature here across a full year.60°F
Annual precipHow much rain and melted snow falls here in a typical year.45 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.62%

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

681 Ross 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 more than 66% of homes in Spavinaw 74366
  • Costs less per square foot than 87% of homes in Mayes County
  • Bigger than 96% of homes in Spavinaw 74366
  • Has a bigger lot than 65% of homes in Spavinaw 74366

What homes are worth in Spavinaw 74366

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

This home
$30K$647K

This home is worth more than 66% of homes in Spavinaw 74366.

How it measures up in Spavinaw 74366

The dot is this home. The mark in the middle is the typical home in Spavinaw 74366.

Estimated value$222,322
CheaperTypical $153,285Pricier

Pricier than 66% of homes nearby

Price per ft²$91
CheaperTypical $123Pricier

Pricier than 36% of homes nearby

Living area2,440 ft²
SmallerTypical 1,224 ft²Bigger

Bigger than 96% of homes nearby

Lot size4.19 ac
SmallerTypical 1.01 acBigger

Bigger than 65% of homes nearby

Year built1974
OlderTypical 1978Newer

Newer than 48% of homes nearby

How 681 Ross Rd ranks against every home in each area.
MeasureThis homeSpavinaw 74366Mayes County
Estimated valuepricier than$222,32266% of homes49% of homes
Price per ft²pricier than$9136% of homes13% of homes
Living areabigger than2,440 ft²96% of homes90% of homes
Lot sizebigger than4.19 ac65% of homes64% of homes
Year builtnewer than197448% of homes41% of homes

About 681 Ross Rd

How much is 681 Ross Rd, Spavinaw, OK worth?

The TopHap Estimate for 681 Ross Rd, Spavinaw, OK is $222,322 as of Jul 14, 2026. The likely range is $151,152 to $293,492. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 681 Ross Rd, Spavinaw, OK?

681 Ross Rd, Spavinaw, OK has 3 bedrooms, 2 bathrooms, 2,440 square feet of living space and a 4.19-acre lot.

When was 681 Ross Rd, Spavinaw, OK built?

681 Ross Rd, Spavinaw, OK was built in 1974, making it 52 years old. It is a traditional/old home. The building has 1 story.

What schools serve 681 Ross Rd, Spavinaw, OK?

681 Ross Rd, Spavinaw, OK is assigned to Jay Elementary School (elementary), rated B-; Jay High School (high), rated D; Jay Middle School (middle), rated B. All sit in Jay Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 681 Ross Rd, Spavinaw, OK compare to other homes in Spavinaw 74366?

Among the 669 homes in Spavinaw 74366, it is worth more than 66% of them ($222,322 against a typical $153,285), its price per square foot is higher than 36% of them ($91 against a typical $123), it is bigger than 96% of them (2,440 ft² against a typical 1,224 ft²), its lot is bigger than 65% of them (4.19 ac against a typical 1.01 ac) and it is newer than 48% of them (1974 against a typical 1978). Measured against all of Mayes County, it is worth more than 49% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

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Assigned schools

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