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Single Family ResidenceResidential
$1,477,889$380 / 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 85How 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 $864,500 on Oct 15, 2025

189 RIDGELINE DR

CHICO, TX 76431
4
Baths
3,885 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.
1.01 ac
Lot SizeThe size of the land the home sits on, from county records.
2020
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
4
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$1.5M
$1.3M low$1.7M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$864,500 · Oct 15, 2025
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.$827,889
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$662,311
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.44%
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.$650,000
WATERMARK CAPITAL INC · recorded Oct 15, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$12,574 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$1,257,148 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$1,142,862
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,435,043

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.65
72
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
77
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
91
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
48
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
41
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.47 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
CountyWISE
Lot (acres)The size of the land the home sits on, from county records.1.01
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
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.Boat access

Transaction History(4)

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
Chico Elementary SchoolB-
Elementary · Grades PK–5 · 6.2 mi
H
Chico High SchoolC+
High · Grades 9–12 · 6.2 mi
M
Chico Middle SchoolB-
Middle · Grades 6–8 · 6.3 mi

District: Chico Independent School District

Neighborhood · ZIP 76431These 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.99
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.21

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.83%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.12%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.3,789
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.32 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$71,703
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$96,419
Average tempThe average temperature here across a full year.64°F
Annual precipHow much rain and melted snow falls here in a typical year.34 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.64%

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

189 Ridgeline Dr 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.

  • Among the most valuable homes in Wise County
  • Costs more per square foot than 94% of homes in Wise County
  • Bigger than 98% of homes in Wise County
  • Newer than 90% of homes in Chico 76431

What homes are worth in Chico 76431

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

This home
$126K$1.7M

This home is worth more than 97% of homes in Chico 76431.

How it measures up in Chico 76431

The dot is this home. The mark in the middle is the typical home in Chico 76431.

Estimated value$1,477,889
CheaperTypical $364,715Pricier

Pricier than 97% of homes nearby

Price per ft²$380
CheaperTypical $221Pricier

Pricier than 81% of homes nearby

Living area3,885 ft²
SmallerTypical 1,554 ft²Bigger

Bigger than 97% of homes nearby

Lot size1.01 ac
SmallerTypical 1.02 acBigger

Bigger than 49% of homes nearby

Year built2020
OlderTypical 1997Newer

Newer than 90% of homes nearby

How 189 Ridgeline Dr ranks against every home in each area.
MeasureThis homeChico 76431Wise County
Estimated valuepricier than$1,477,88997% of homesalmost all homes
Price per ft²pricier than$38081% of homes94% of homes
Living areabigger than3,885 ft²97% of homes98% of homes
Lot sizebigger than1.01 ac49% of homes48% of homes
Year builtnewer than202090% of homes83% of homes

About 189 Ridgeline Dr

How much is 189 Ridgeline Dr, Chico, TX worth?

The TopHap Estimate for 189 Ridgeline Dr, Chico, TX is $1,477,889 as of Jul 14, 2026. The likely range is $1,255,072 to $1,700,706. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 189 Ridgeline Dr, Chico, TX last sell?

189 Ridgeline Dr, Chico, TX last sold on Oct 15, 2025 for $864,500, according to the county's recorded deed.

How big is 189 Ridgeline Dr, Chico, TX?

189 Ridgeline Dr, Chico, TX has 4 bathrooms, 3,885 square feet of living space and a 1.01-acre lot.

When was 189 Ridgeline Dr, Chico, TX built?

189 Ridgeline Dr, Chico, TX was built in 2020, making it 6 years old. The building has 2 stories.

What schools serve 189 Ridgeline Dr, Chico, TX?

189 Ridgeline Dr, Chico, TX is assigned to Chico Elementary School (elementary), rated B-; Chico High School (high), rated C+; Chico Middle School (middle), rated B-. All sit in Chico Independent School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 189 Ridgeline Dr, Chico, TX compare to other homes in Chico 76431?

Among the 1,820 homes in Chico 76431, it is worth more than 97% of them ($1,477,889 against a typical $364,715), its price per square foot is higher than 81% of them ($380 against a typical $221), it is bigger than 97% of them (3,885 ft² against a typical 1,554 ft²), its lot is bigger than 49% of them (1.01 ac against a typical 1.02 ac) and it is newer than 90% of them (2020 against a typical 1997). Measured against all of Wise County, it is worth more than almost all 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 189 Ridgeline Dr, Chico, TX?

The 2025 property tax bill for 189 Ridgeline Dr, Chico, TX was $12,574. The county assessed it at $1,257,148.

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See this home in context

Open 189 Ridgeline Dron TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

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