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Single Family ResidenceResidential
$221,235$249 / 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 96How 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

820 RUTH AVE

FESTUS, MO 63028
2
Baths
888 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.
0.24 ac
Lot SizeThe size of the land the home sits on, from county records.
1977
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$221K
$212K low$230K 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.$171,335
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$137,068
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.23%
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.$25,000
COMMERCE BK/OR · recorded May 18, 2010
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.$24,900
COMMERCE BK

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.$21,400 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$2,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$19,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$21,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$112,300

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.42
25
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
31
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
85
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
61
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
8
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.6 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
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.0.2 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
CountyJefferson
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.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 · 48 ft²Porch · 100 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.

H
Festus High SchoolA-
High · Grades 9–12 · 0.6 mi
E
Festus Elementary SchoolA+
Elementary · Grades KG–3 · 0.7 mi
M
Festus Middle SchoolB+
Middle · Grades 7–8 · 0.9 mi

District: Festus R-Vi School District

Neighborhood · ZIP 63028These 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.96
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.87
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.159

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.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.16%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.0%
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.29,841
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.234 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$74,472
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$90,112
Average tempThe average temperature here across a full year.55°F
Annual precipHow much rain and melted snow falls here in a typical year.42 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.57%

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.Yes

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

820 Ruth Ave 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 75% of homes in Festus 63028
  • Costs more per square foot than 70% of homes in Festus 63028
  • Smaller than 87% of homes in Festus 63028
  • Has a smaller lot than 76% of homes in Festus 63028

What homes are worth in Festus 63028

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

This home
$135K$760K

This home is worth more than 25% of homes in Festus 63028.

How it measures up in Festus 63028

The dot is this home. The mark in the middle is the typical home in Festus 63028.

Estimated value$221,235
CheaperTypical $291,122Pricier

Pricier than 25% of homes nearby

Price per ft²$249
CheaperTypical $218Pricier

Pricier than 70% of homes nearby

Living area888 ft²
SmallerTypical 1,316 ft²Bigger

Bigger than 13% of homes nearby

Lot size0.24 ac
SmallerTypical 0.54 acBigger

Bigger than 24% of homes nearby

Year built1977
OlderTypical 1988Newer

Newer than 38% of homes nearby

How 820 Ruth Ave ranks against every home in each area.
MeasureThis homeFestus 63028Jefferson County
Estimated valuepricier than$221,23525% of homes27% of homes
Price per ft²pricier than$24970% of homes69% of homes
Living areabigger than888 ft²13% of homes16% of homes
Lot sizebigger than0.24 ac24% of homes29% of homes
Year builtnewer than197738% of homes37% of homes

About 820 Ruth Ave

How much is 820 Ruth Ave, Festus, MO worth?

The TopHap Estimate for 820 Ruth Ave, Festus, MO is $221,235 as of Jul 14, 2026. The likely range is $212,321 to $230,149. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 820 Ruth Ave, Festus, MO?

820 Ruth Ave, Festus, MO has 2 bathrooms and 888 square feet of living space.

When was 820 Ruth Ave, Festus, MO built?

820 Ruth Ave, Festus, MO was built in 1977, making it 49 years old. The building has 1 story.

What schools serve 820 Ruth Ave, Festus, MO?

820 Ruth Ave, Festus, MO is assigned to Festus High School (high), rated A-; Festus Elementary School (elementary), rated A+; Festus Middle School (middle), rated B+. All sit in Festus R-Vi School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 820 Ruth Ave, Festus, MO compare to other homes in Festus 63028?

Among the 10,452 homes in Festus 63028, it is worth more than 25% of them ($221,235 against a typical $291,122), its price per square foot is higher than 70% of them ($249 against a typical $218), it is bigger than 13% of them (888 ft² against a typical 1,316 ft²), its lot is bigger than 24% of them (0.24 ac against a typical 0.54 ac) and it is newer than 38% of them (1977 against a typical 1988). Measured against all of Jefferson County, it is worth more than 27% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

Closest homes

More homes in Festus 63028

Assigned schools

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