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Single Family ResidenceResidential
$162,461$124 / 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 89How 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

511 RUDDY ST

LOCKHART, TX 78644
3
Beds
1
Baths
1,306 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.
0.2 ac
Lot SizeThe size of the land the home sits on, from county records.
1915
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$162K
$144K low$181K 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.$118,461
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$94,769
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.28%
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.$44,000
RALPH A ADAMS ETAL · recorded Apr 22, 2008

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$804 (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.$96,018 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$85,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$99,810
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$87,289
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$185,310

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.45
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
53
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
98
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
45
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
30
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

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
StyleThe architectural style of the home, such as ranch or colonial.High Rise
CountyCaldwell
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1965
Lot (acres)The size of the land the home sits on, from county records.0.20
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Pier/Post & Beam
HeatingThe type of heating system in the home.Floor/Wall Furnace
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.Porch · 494 ft²

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.

H
Lockhart High SchoolD+
High · Grades 9–12 · 0.8 mi
E
Plum Creek Elementary SchoolA-
Elementary · Grades KG–5 · 1.3 mi
M
Lockhart Junior High SchoolC
Middle · Grades 6–8 · 2.2 mi

District: Lockhart Independent School District

Neighborhood · ZIP 78644These 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.94
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.84
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.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.14%
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.1.0%
PopulationHow many people live in this area.27,312
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.143 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$67,942
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$87,386
Average tempThe average temperature here across a full year.68°F
Annual precipHow much rain and melted snow falls here in a typical year.36 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.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

511 Ruddy St 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 93% of homes in Lockhart 78644
  • Costs less per square foot than 97% of homes in Lockhart 78644
  • Smaller than 65% of homes in Lockhart 78644
  • Has a smaller lot than 75% of homes in Caldwell County
  • Older than 97% of homes in Lockhart 78644

What homes are worth in Lockhart 78644

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

This home
$125K$911K

This home is worth more than 7% of homes in Lockhart 78644.

How it measures up in Lockhart 78644

The dot is this home. The mark in the middle is the typical home in Lockhart 78644.

Estimated value$162,461
CheaperTypical $282,619Pricier

Pricier than 7% of homes nearby

Price per ft²$124
CheaperTypical $185Pricier

Pricier than 3% of homes nearby

Living area1,306 ft²
SmallerTypical 1,524 ft²Bigger

Bigger than 35% of homes nearby

Lot size0.2 ac
SmallerTypical 0.28 acBigger

Bigger than 34% of homes nearby

Year built1915
OlderTypical 1998Newer

Newer than 3% of homes nearby

How 511 Ruddy St ranks against every home in each area.
MeasureThis homeLockhart 78644Caldwell County
Estimated valuepricier than$162,4617% of homes8% of homes
Price per ft²pricier than$1243% of homes4% of homes
Living areabigger than1,306 ft²35% of homes39% of homes
Lot sizebigger than0.2 ac34% of homes25% of homes
Year builtnewer than19153% of homes3% of homes

About 511 Ruddy St

How much is 511 Ruddy St, Lockhart, TX worth?

The TopHap Estimate for 511 Ruddy St, Lockhart, TX is $162,461 as of Jul 14, 2026. The likely range is $143,942 to $180,980. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 511 Ruddy St, Lockhart, TX last sell?

511 Ruddy St, Lockhart, TX last sold on Apr 22, 2008, according to the county's recorded deed.

How big is 511 Ruddy St, Lockhart, TX?

511 Ruddy St, Lockhart, TX has 3 bedrooms, 1 bathrooms, 1,306 square feet of living space and a 0.20-acre lot.

When was 511 Ruddy St, Lockhart, TX built?

511 Ruddy St, Lockhart, TX was built in 1915, making it 111 years old. It is a high rise home. The building has 1 story.

What schools serve 511 Ruddy St, Lockhart, TX?

511 Ruddy St, Lockhart, TX is assigned to Lockhart High School (high), rated D+; Plum Creek Elementary School (elementary), rated A-; Lockhart Junior High School (middle), rated C. All sit in Lockhart Independent School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 511 Ruddy St, Lockhart, TX compare to other homes in Lockhart 78644?

Among the 9,217 homes in Lockhart 78644, it is worth more than 7% of them ($162,461 against a typical $282,619), its price per square foot is higher than 3% of them ($124 against a typical $185), it is bigger than 35% of them (1,306 ft² against a typical 1,524 ft²), its lot is bigger than 34% of them (0.2 ac against a typical 0.28 ac) and it is newer than 3% of them (1915 against a typical 1998). Measured against all of Caldwell County, it is worth more than 8% 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 511 Ruddy St, Lockhart, TX?

The 2024 property tax bill for 511 Ruddy St, Lockhart, TX was $804. The county assessed it at $96,018.

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