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Single Family ResidenceResidential
$346,228$252 / 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 91How 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 $328,000 on Mar 11, 2025

645 TERRACE RIDGE DR

HOWARD, OH 43028
3
Beds
2
Baths
1,374 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.
0.42 ac
Lot SizeThe size of the land the home sits on, from county records.
2022
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$346K
$315K low$378K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$328,000 · Mar 11, 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.$346,228
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$276,982

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,239 (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.$96,690 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$5,190
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$91,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$96,690
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$276,270

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.61 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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.minimal

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
CountyKNOX
Lot (acres)The size of the land the home sits on, from county records.0.42
HeatingThe type of heating system in the home.Gas
CoolingThe type of cooling or air conditioning in the home.Central
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Neighborhood · ZIP 43028These 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.115
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.161
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.34

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.18%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.2%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.7,800
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.144 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$78,916
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$104,824
Average tempThe average temperature here across a full year.50°F
Annual precipHow much rain and melted snow falls here in a typical year.41 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.50%

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

645 Terrace Ridge 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.

  • Costs more per square foot than 78% of homes in Knox County
  • Has a bigger lot than 68% of homes in Howard 43028
  • Among the newest homes in Knox County

What homes are worth in Howard 43028

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

This home
$131K$1.3M

This home is worth more than 57% of homes in Howard 43028.

How it measures up in Howard 43028

The dot is this home. The mark in the middle is the typical home in Howard 43028.

Estimated value$346,228
CheaperTypical $326,990Pricier

Pricier than 57% of homes nearby

Price per ft²$252
CheaperTypical $223Pricier

Pricier than 64% of homes nearby

Living area1,374 ft²
SmallerTypical 1,462 ft²Bigger

Bigger than 41% of homes nearby

Lot size0.42 ac
SmallerTypical 0.33 acBigger

Bigger than 68% of homes nearby

Year built2022
OlderTypical 1996Newer

Newer than 97% of homes nearby

How 645 Terrace Ridge Dr ranks against every home in each area.
MeasureThis homeHoward 43028Knox County
Estimated valuepricier than$346,22857% of homes64% of homes
Price per ft²pricier than$25264% of homes78% of homes
Living areabigger than1,374 ft²41% of homes37% of homes
Lot sizebigger than0.42 ac68% of homes44% of homes
Year builtnewer than202297% of homesalmost all homes

About 645 Terrace Ridge Dr

How much is 645 Terrace Ridge Dr, Howard, OH worth?

The TopHap Estimate for 645 Terrace Ridge Dr, Howard, OH is $346,228 as of Jul 14, 2026. The likely range is $314,598 to $377,858. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 645 Terrace Ridge Dr, Howard, OH last sell?

645 Terrace Ridge Dr, Howard, OH last sold on Mar 11, 2025 for $328,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 645 Terrace Ridge Dr, Howard, OH?

645 Terrace Ridge Dr, Howard, OH has 3 bedrooms, 2 bathrooms, 1,374 square feet of living space and a 0.42-acre lot.

When was 645 Terrace Ridge Dr, Howard, OH built?

645 Terrace Ridge Dr, Howard, OH was built in 2022, making it 4 years old. The building has 1 story.

How does 645 Terrace Ridge Dr, Howard, OH compare to other homes in Howard 43028?

Among the 4,164 homes in Howard 43028, it is worth more than 57% of them ($346,228 against a typical $326,990), its price per square foot is higher than 64% of them ($252 against a typical $223), it is bigger than 41% of them (1,374 ft² against a typical 1,462 ft²), its lot is bigger than 68% of them (0.42 ac against a typical 0.33 ac) and it is newer than 97% of them (2022 against a typical 1996). Measured against all of Knox County, it is worth more than 64% 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 645 Terrace Ridge Dr, Howard, OH?

The 2025 property tax bill for 645 Terrace Ridge Dr, Howard, OH was $4,239. The county assessed it at $96,690.

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Open 645 Terrace Ridge 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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