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Single Family ResidenceResidential
$428,836$200 / 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 92How 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

321 RIDGE RD # ROCK

KERRVILLE, TX 78028
2
Baths
2,142 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.
1.05 ac
Lot SizeThe size of the land the home sits on, from county records.
2002
Year BuiltThe year the home was originally built, according to county records.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$429K
$393K low$465K 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.$221,036
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$176,829
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.45%
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.$207,800
QUICKEN LOANS INC · R · recorded Mar 8, 2019

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,476 (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.$367,660 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$44,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$334,517
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$334,236
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$378,617

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyKerr
Lot (acres)The size of the land the home sits on, from county records.1.05
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Mat/Raft Foundation (Slab)
HeatingThe type of heating system in the home.Yes
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 · 576 ft²Porch · 150 ft²

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Nimitz Elementary SchoolB+
Elementary · Grades KG–5 · 0.6 mi
M
Hal Peterson Middle SchoolB-
Middle · Grades 6–8 · 2.9 mi
H
Tivy High SchoolB-
High · Grades 9–12 · 3.1 mi

District: Kerrville Independent School District

Neighborhood · ZIP 78028These 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.107
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.86
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.16

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.91%
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.14%
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.39,914
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.169 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$68,347
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$86,340
Average tempThe average temperature here across a full year.64°F
Annual precipHow much rain and melted snow falls here in a typical year.33 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.61%

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

321 Ridge Rd # Rock 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 less per square foot than 74% of homes in Kerr County
  • Bigger than 78% of homes in Kerr County
  • Newer than 72% of homes in Kerrville 78028

What homes are worth in Kerrville 78028

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

This home
$145K$1.3M

This home is worth more than 62% of homes in Kerrville 78028.

How it measures up in Kerrville 78028

The dot is this home. The mark in the middle is the typical home in Kerrville 78028.

Estimated value$428,836
CheaperTypical $365,778Pricier

Pricier than 62% of homes nearby

Price per ft²$200
CheaperTypical $225Pricier

Pricier than 31% of homes nearby

Living area2,142 ft²
SmallerTypical 1,568 ft²Bigger

Bigger than 76% of homes nearby

Lot size1.05 ac
SmallerTypical 0.74 acBigger

Bigger than 58% of homes nearby

Year built2002
OlderTypical 1988Newer

Newer than 72% of homes nearby

How 321 Ridge Rd # Rock ranks against every home in each area.
MeasureThis homeKerrville 78028Kerr County
Estimated valuepricier than$428,83662% of homes58% of homes
Price per ft²pricier than$20031% of homes26% of homes
Living areabigger than2,142 ft²76% of homes78% of homes
Lot sizebigger than1.05 ac58% of homes50% of homes
Year builtnewer than200272% of homes70% of homes

About 321 Ridge Rd # Rock

How much is 321 Ridge Rd # Rock, Kerrville, TX worth?

The TopHap Estimate for 321 Ridge Rd # Rock, Kerrville, TX is $428,836 as of Jul 14, 2026. The likely range is $392,882 to $464,790. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 321 Ridge Rd # Rock, Kerrville, TX last sell?

321 Ridge Rd # Rock, Kerrville, TX last sold on Jul 20, 1998, according to the county's recorded deed.

How big is 321 Ridge Rd # Rock, Kerrville, TX?

321 Ridge Rd # Rock, Kerrville, TX has 2 bathrooms, 2,142 square feet of living space and a 1.05-acre lot.

When was 321 Ridge Rd # Rock, Kerrville, TX built?

321 Ridge Rd # Rock, Kerrville, TX was built in 2002, making it 24 years old.

What schools serve 321 Ridge Rd # Rock, Kerrville, TX?

321 Ridge Rd # Rock, Kerrville, TX is assigned to Nimitz Elementary School (elementary), rated B+; Hal Peterson Middle School (middle), rated B-; Tivy High School (high), rated B-. All sit in Kerrville Independent School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 321 Ridge Rd # Rock, Kerrville, TX compare to other homes in Kerrville 78028?

Among the 18,112 homes in Kerrville 78028, it is worth more than 62% of them ($428,836 against a typical $365,778), its price per square foot is higher than 31% of them ($200 against a typical $225), it is bigger than 76% of them (2,142 ft² against a typical 1,568 ft²), its lot is bigger than 58% of them (1.05 ac against a typical 0.74 ac) and it is newer than 72% of them (2002 against a typical 1988). Measured against all of Kerr County, it is worth more than 58% 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 321 Ridge Rd # Rock, Kerrville, TX?

The 2024 property tax bill for 321 Ridge Rd # Rock, Kerrville, TX was $1,476. The county assessed it at $367,660.

More homes on Ridge Rd # Rock

Closest homes

More homes in Kerrville 78028

Assigned schools

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