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Single Family ResidenceResidential
$391,616$229 / 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 94How 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

765 NW RIVER RD

MARTINDALE, TX 78655
3
Beds
2
Baths
1,707 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.
0.5 ac
Lot SizeThe size of the land the home sits on, from county records.
2019
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$392K
$367K low$417K 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.$316,616
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$253,293
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.19%
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.$75,000
RANDOLPH BROOKS FCU · recorded Jan 15, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$8,460 (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.$391,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$222,050
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$321,840
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$355,909
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$543,890

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.156 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
CountyCALDWELL
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.2020
Lot (acres)The size of the land the home sits on, from county records.0.50
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.Garage, Attached
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.Patio · 228 ft²Porch · 60 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
DeZavala Elementary SchoolD+
Elementary · Grades KG–5 · 4.4 mi
M
Goodnight Middle SchoolC-
Middle · Grades 6–8 · 4.5 mi
H
San Marcos High SchoolC-
High · Grades 9–12 · 5.8 mi

District: San Marcos Consolidated Independent School District

Neighborhood · ZIP 78655These 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.152
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.81
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.18

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.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.18%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.24%
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.4,721
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.114 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$51,449
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$79,316
Average tempThe average temperature here across a full year.68°F
Annual precipHow much rain and melted snow falls here in a typical year.36 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.60%

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

765 Nw River 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 75% of homes in Caldwell County
  • Costs more per square foot than 66% of homes in Caldwell County
  • Bigger than 66% of homes in Caldwell County
  • Has a smaller lot than 65% of homes in Martindale 78655
  • Newer than 95% of homes in Martindale 78655

What homes are worth in Martindale 78655

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

This home
$137K$1M

This home is worth more than 59% of homes in Martindale 78655.

How it measures up in Martindale 78655

The dot is this home. The mark in the middle is the typical home in Martindale 78655.

Estimated value$391,616
CheaperTypical $360,907Pricier

Pricier than 59% of homes nearby

Price per ft²$229
CheaperTypical $233Pricier

Pricier than 47% of homes nearby

Living area1,707 ft²
SmallerTypical 1,540 ft²Bigger

Bigger than 61% of homes nearby

Lot size0.5 ac
SmallerTypical 0.82 acBigger

Bigger than 35% of homes nearby

Year built2019
OlderTypical 1995Newer

Newer than 95% of homes nearby

How 765 Nw River Rd ranks against every home in each area.
MeasureThis homeMartindale 78655Caldwell County
Estimated valuepricier than$391,61659% of homes75% of homes
Price per ft²pricier than$22947% of homes66% of homes
Living areabigger than1,707 ft²61% of homes66% of homes
Lot sizebigger than0.5 ac35% of homes49% of homes
Year builtnewer than201995% of homes83% of homes

About 765 Nw River Rd

How much is 765 Nw River Rd, Martindale, TX worth?

The TopHap Estimate for 765 Nw River Rd, Martindale, TX is $391,616 as of Jul 14, 2026. The likely range is $366,617 to $416,615. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 765 Nw River Rd, Martindale, TX last sell?

765 Nw River Rd, Martindale, TX last sold on May 13, 2019, according to the county's recorded deed.

How big is 765 Nw River Rd, Martindale, TX?

765 Nw River Rd, Martindale, TX has 3 bedrooms, 2 bathrooms, 1,707 square feet of living space and a 0.50-acre lot.

When was 765 Nw River Rd, Martindale, TX built?

765 Nw River Rd, Martindale, TX was built in 2019, making it 7 years old. The building has 1 story.

What schools serve 765 Nw River Rd, Martindale, TX?

765 Nw River Rd, Martindale, TX is assigned to DeZavala Elementary School (elementary), rated D+; Goodnight Middle School (middle), rated C-; San Marcos High School (high), rated C-. All sit in San Marcos Consolidated Independent School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 765 Nw River Rd, Martindale, TX compare to other homes in Martindale 78655?

Among the 1,237 homes in Martindale 78655, it is worth more than 59% of them ($391,616 against a typical $360,907), its price per square foot is higher than 47% of them ($229 against a typical $233), it is bigger than 61% of them (1,707 ft² against a typical 1,540 ft²), its lot is bigger than 35% of them (0.5 ac against a typical 0.82 ac) and it is newer than 95% of them (2019 against a typical 1995). Measured against all of Caldwell County, it is worth more than 75% 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 765 Nw River Rd, Martindale, TX?

The 2026 property tax bill for 765 Nw River Rd, Martindale, TX was $8,460. The county assessed it at $391,500.

Closest homes

More homes in Martindale 78655

Assigned schools

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