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Single Family ResidenceResidential
$187,360$112 / 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 77How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jun 23, 2026

816 MARSHA S RATCHFORD ST

MOBILE, AL 36610
3
Beds
2
Baths
1,675 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.
2007
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

$187K
$144K low$230K 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.$77,430
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$61,944
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.59%
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.$92,872
NEW SOUTH FSB · recorded Jul 12, 2007
2nd 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.$12,438
NEWREZ LLC
3rd 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.$4,620

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$706 (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.$12,400 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$2,400
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$10,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$12,660
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$124,000

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.42
29
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
6
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.
64
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
15
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.4 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.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
CountyMOBILE
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.Porch · 106 ft²

Transaction History(1)

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

Foreclosure Filings(2)

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

E
William Douglass Robbins Elementary SchoolA-
Elementary · Grades KG–5 · 0.4 mi
M
Chastang Fournier K-8 SchoolD-
Middle · Grades KG–8 · 1.0 mi
H
Vigor High SchoolF
High · Grades 9–12 · 1.1 mi

District: Mobile County School District

Neighborhood · ZIP 36610These 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.160
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.90
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.30

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.81%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.4.2%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.35%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.6%
PopulationHow many people live in this area.9,487
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.672 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$33,117
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$43,872
Average tempThe average temperature here across a full year.67°F
Annual precipHow much rain and melted snow falls here in a typical year.67 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

816 Marsha S Ratchford 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.

  • Among the most valuable homes in Mobile 36610
  • Among the highest price per square foot in Mobile 36610
  • Bigger than 88% of homes in Mobile 36610
  • Newer than 97% of homes in Mobile 36610

What homes are worth in Mobile 36610

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

This home
$17K$109K

This home is worth more than almost all homes in Mobile 36610.

How it measures up in Mobile 36610

The dot is this home. The mark in the middle is the typical home in Mobile 36610.

Estimated value$187,360
CheaperTypical $36,014Pricier

Pricier than almost all homes nearby

Price per ft²$112
CheaperTypical $31Pricier

Pricier than almost all homes nearby

Living area1,675 ft²
SmallerTypical 1,175 ft²Bigger

Bigger than 88% of homes nearby

Year built2007
OlderTypical 1982Newer

Newer than 97% of homes nearby

How 816 Marsha S Ratchford St ranks against every home in each area.
MeasureThis homeMobile 36610Mobile County
Estimated valuepricier than$187,360almost all homes49% of homes
Price per ft²pricier than$112almost all homes46% of homes
Living areabigger than1,675 ft²88% of homes55% of homes
Year builtnewer than200797% of homes87% of homes

About 816 Marsha S Ratchford St

How much is 816 Marsha S Ratchford St, Mobile, AL worth?

The TopHap Estimate for 816 Marsha S Ratchford St, Mobile, AL is $187,360 as of Jun 23, 2026. The likely range is $144,267 to $230,452. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 816 Marsha S Ratchford St, Mobile, AL last sell?

816 Marsha S Ratchford St, Mobile, AL last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 816 Marsha S Ratchford St, Mobile, AL?

816 Marsha S Ratchford St, Mobile, AL has 3 bedrooms, 2 bathrooms and 1,675 square feet of living space.

When was 816 Marsha S Ratchford St, Mobile, AL built?

816 Marsha S Ratchford St, Mobile, AL was built in 2007, making it 19 years old. The building has 1 story.

What schools serve 816 Marsha S Ratchford St, Mobile, AL?

816 Marsha S Ratchford St, Mobile, AL is assigned to William Douglass Robbins Elementary School (elementary), rated A-; Chastang Fournier K-8 School (middle), rated D-; Vigor High School (high), rated F. All sit in Mobile County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 816 Marsha S Ratchford St, Mobile, AL compare to other homes in Mobile 36610?

Among the 4,613 homes in Mobile 36610, it is worth more than almost all of them ($187,360 against a typical $36,014), its price per square foot is higher than almost all of them ($112 against a typical $31), it is bigger than 88% of them (1,675 ft² against a typical 1,175 ft²) and it is newer than 97% of them (2007 against a typical 1982). Measured against all of Mobile County, it is worth more than 49% 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 816 Marsha S Ratchford St, Mobile, AL?

The 2025 property tax bill for 816 Marsha S Ratchford St, Mobile, AL was $706. The county assessed it at $12,400.

More homes on Marsha S Ratchford St

Closest homes

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Assigned schools

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