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Rural ResidenceResidential
$385,047$415 / 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 87How 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

922 RIVER RD

UTOPIA, TX 78884
0
Baths
927 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.
5.49 ac
Lot SizeThe size of the land the home sits on, from county records.
1994
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$385K
$335K low$435K 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.$260,047
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$208,038
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.35%
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.$125,000
BURTON SPOERL · recorded Sep 9, 2019

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,954 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$295,700 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$258,270
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$37,430
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$294,190
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$295,700

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.197 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.Rural Residence
CountyBandera
Lot (acres)The size of the land the home sits on, from county records.5.49
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Mat/Raft Foundation (Slab)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.None
FireplaceWhether the home has a fireplace, and what kind.Yes
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 · 40 ft²Patio · 94 ft²Porch · 36 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
Hill Country Elementary SchoolC-
Elementary · Grades PK–5 · 4.2 mi
H
Bandera High SchoolC-
High · Grades 9–12 · 6.0 mi
M
Bandera Middle SchoolB
Middle · Grades 6–8 · 6.7 mi

District: Bandera Independent School District

Neighborhood · ZIP 78884These 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.124
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.90
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.15

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.73%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.17%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.16%
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.1,154
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.4 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$66,127
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$80,115
Average tempThe average temperature here across a full year.67°F
Annual precipHow much rain and melted snow falls here in a typical year.30 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.Absentee owner
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

922 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.

  • Costs more per square foot than 87% of homes in Bandera County
  • Smaller than 83% of homes in Utopia 78884
  • Has a bigger lot than 79% of homes in Bandera County
  • Older than 66% of homes in Bandera County

What homes are worth in Utopia 78884

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

This home
$109K$1.2M

This home is worth more than 38% of homes in Utopia 78884.

How it measures up in Utopia 78884

The dot is this home. The mark in the middle is the typical home in Utopia 78884.

Estimated value$385,047
CheaperTypical $452,049Pricier

Pricier than 38% of homes nearby

Price per ft²$415
CheaperTypical $292Pricier

Pricier than 77% of homes nearby

Living area927 ft²
SmallerTypical 1,541 ft²Bigger

Bigger than 17% of homes nearby

Lot size5.49 ac
SmallerTypical 2.83 acBigger

Bigger than 68% of homes nearby

Year built1994
OlderTypical 1996Newer

Newer than 48% of homes nearby

How 922 River Rd ranks against every home in each area.
MeasureThis homeUtopia 78884Bandera County
Estimated valuepricier than$385,04738% of homes47% of homes
Price per ft²pricier than$41577% of homes87% of homes
Living areabigger than927 ft²17% of homes22% of homes
Lot sizebigger than5.49 ac68% of homes79% of homes
Year builtnewer than199448% of homes34% of homes

About 922 River Rd

How much is 922 River Rd, Utopia, TX worth?

The TopHap Estimate for 922 River Rd, Utopia, TX is $385,047 as of Jul 14, 2026. The likely range is $334,632 to $435,462. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 922 River Rd, Utopia, TX last sell?

922 River Rd, Utopia, TX last sold on Sep 9, 2019, according to the county's recorded deed.

How big is 922 River Rd, Utopia, TX?

922 River Rd, Utopia, TX has 927 square feet of living space and a 5.49-acre lot.

When was 922 River Rd, Utopia, TX built?

922 River Rd, Utopia, TX was built in 1994, making it 32 years old. The building has 1 story.

What schools serve 922 River Rd, Utopia, TX?

922 River Rd, Utopia, TX is assigned to Hill Country Elementary School (elementary), rated C-; Bandera High School (high), rated C-; Bandera Middle School (middle), rated B. All sit in Bandera Independent School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 922 River Rd, Utopia, TX compare to other homes in Utopia 78884?

Among the 449 homes in Utopia 78884, it is worth more than 38% of them ($385,047 against a typical $452,049), its price per square foot is higher than 77% of them ($415 against a typical $292), it is bigger than 17% of them (927 ft² against a typical 1,541 ft²), its lot is bigger than 68% of them (5.49 ac against a typical 2.83 ac) and it is newer than 48% of them (1994 against a typical 1996). Measured against all of Bandera 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 922 River Rd, Utopia, TX?

The 2024 property tax bill for 922 River Rd, Utopia, TX was $3,954. The county assessed it at $295,700.

Closest homes

More homes in Utopia 78884

Assigned schools

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