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Single Family ResidenceResidential
$549,201$330 / 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 80How 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 $250,000 on Jan 4, 2007

3522 RIVER RANCH RD

RAGLAND, AL 35131
1.5
Baths
1,663 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.
0.55 ac
Lot SizeThe size of the land the home sits on, from county records.
2005
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$549K
$440K low$659K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$250,000 · Jan 4, 2007
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.$399,201
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$319,361
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.26%
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.$150,000
RENASANT BANK · recorded Nov 18, 2019

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.$30,700 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$61,356
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$306,780

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.Single Family Residence
CountyST. CLAIR
Lot (acres)The size of the land the home sits on, from county records.0.55
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Yes
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.Boat access

Transaction History(2)

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
Ragland High SchoolD
Elementary · Grades PK–12 · 6.1 mi

District: St. Clair County School District

Neighborhood · ZIP 35131These 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.88
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.80

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.11%
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.4,692
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.52 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$51,266
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$69,328
Average tempThe average temperature here across a full year.61°F
Annual precipHow much rain and melted snow falls here in a typical year.56 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.58%

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

3522 River Ranch 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 97% of homes in Ragland 35131
  • Among the highest price per square foot in Ragland 35131
  • Has a smaller lot than 82% of homes in Ragland 35131
  • Newer than 85% of homes in Ragland 35131

What homes are worth in Ragland 35131

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

This home
$53K$570K

This home is worth more than 97% of homes in Ragland 35131.

How it measures up in Ragland 35131

The dot is this home. The mark in the middle is the typical home in Ragland 35131.

Estimated value$549,201
CheaperTypical $162,393Pricier

Pricier than 97% of homes nearby

Price per ft²$330
CheaperTypical $113Pricier

Pricier than almost all homes nearby

Living area1,663 ft²
SmallerTypical 1,408 ft²Bigger

Bigger than 64% of homes nearby

Lot size0.55 ac
SmallerTypical 1.5 acBigger

Bigger than 18% of homes nearby

Year built2005
OlderTypical 1984Newer

Newer than 85% of homes nearby

How 3522 River Ranch Rd ranks against every home in each area.
MeasureThis homeRagland 35131St. Clair County
Estimated valuepricier than$549,20197% of homes91% of homes
Price per ft²pricier than$330almost all homes97% of homes
Living areabigger than1,663 ft²64% of homes49% of homes
Lot sizebigger than0.55 ac18% of homes41% of homes
Year builtnewer than200585% of homes66% of homes

About 3522 River Ranch Rd

How much is 3522 River Ranch Rd, Ragland, AL worth?

The TopHap Estimate for 3522 River Ranch Rd, Ragland, AL is $549,201 as of Jul 14, 2026. The likely range is $439,865 to $658,537. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3522 River Ranch Rd, Ragland, AL last sell?

3522 River Ranch Rd, Ragland, AL last sold on Jan 4, 2007 for $250,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 3522 River Ranch Rd, Ragland, AL?

3522 River Ranch Rd, Ragland, AL has 1.5 bathrooms, 1,663 square feet of living space and a 0.55-acre lot.

When was 3522 River Ranch Rd, Ragland, AL built?

3522 River Ranch Rd, Ragland, AL was built in 2005, making it 21 years old. The building has 2 stories.

What schools serve 3522 River Ranch Rd, Ragland, AL?

3522 River Ranch Rd, Ragland, AL is assigned to Ragland High School (elementary), rated D. All sit in St. Clair County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3522 River Ranch Rd, Ragland, AL compare to other homes in Ragland 35131?

Among the 1,438 homes in Ragland 35131, it is worth more than 97% of them ($549,201 against a typical $162,393), its price per square foot is higher than almost all of them ($330 against a typical $113), it is bigger than 64% of them (1,663 ft² against a typical 1,408 ft²), its lot is bigger than 18% of them (0.55 ac against a typical 1.5 ac) and it is newer than 85% of them (2005 against a typical 1984). Measured against all of St. Clair County, it is worth more than 91% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

More homes on River Ranch Rd

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More homes in Ragland 35131

Assigned schools

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