After years of price growth, a large share of long-time owners have 50%+ equity. A raw list is too big to mail.
Free list · High equity homeowners
High equity homeowner list, sorted by how much they own.
Set the equity you want, 40%, 60%, or 80% and up, and Spur returns every owner in your zip who clears it, with estimated value, loan balance, and years owned. One click adds phone and email.
Free forever plan · No card · 20 property searches a month
See what’s in the list ↓Zip 78745 · Austin, TX3,412 owners with 50%+ equity
Live searchEquity 50%+Owned 12+ yrsSingle-family
- Carol & Dean F.5207 Cherry Ln84% equity
- Hector G.1910 Fort View Rd77% equity
- Joan P.4602 Clawson Rd100% equity
Phone + email found for 3 of 3Export CSV
Hector G. scanned your postcard · 5 min ago
Free to pull · Owner contact in 1 click
Equity %and dollar equity on every record
Any threshold40%, 60%, 80%+, or a dollar amount
Stackablewith absentee, age, and years owned
The problem
Equity alone is a big list. It needs a second signal.
Some lists ignore second mortgages or HELOCs, which overstates equity and wastes your mail.
An owner with equity who loves their home won't sell. You still need a reason they might.
What's in the list
What's on a high equity list in Spur.
Spur estimates equity from the property's current value and every recorded open loan, so you can see who could sell or borrow comfortably.
3,412owners with 50%+ equity in one zip
1,276with 80%+ equity
38980%+ equity and absentee
Fields on every record
- Estimated value
- Current automated valuation for the property.
- Open loan balances
- Estimated from recorded first and second mortgages.
- Equity % and $
- Value minus loans, as a percentage and dollar figure.
- Years owned
- Since the last recorded sale.
- Purchase price
- What the owner paid, to estimate their gain.
- Occupancy
- Owner-occupied or absentee.
- Property details
- Type, beds, baths, size, and year built.
- Owner contact
- Phone and email through enrichment.
Example counts from one Austin zip. Equity levels depend on local price history.
Sample list
A sample high equity list
Single-family homes with 60%+ equity owned 12+ years, highest equity first.
Zip 78745Equity 60%+Owned 12+ yrsSingle-family
| Owner | Property | Est. value | Equity | Owned |
|---|---|---|---|---|
| Joan P. | 4602 Clawson Rd | $512,000 | 100% | 29 yrs |
| Carol & Dean F. | 5207 Cherry Ln | $468,000 | 84% | 21 yrs |
| Hector G. | 1910 Fort View Rd | $441,000 | 77% | 17 yrs |
| Wanda L. | 2304 Western Dr | $398,000 | 71% | 14 yrs |
| Brian & Kim S. | 6011 Manchaca Rd | $486,000 | 66% | 13 yrs |
| Ortiz Family Trust | 1702 Bluebonnet Ln | $533,000 | 100% | 33 yrs |
Sample data for illustration. Names are partly masked; your results depend on your market and filters.
How it works
From zip code to mailbox in one workflow.
Five steps from equity filter to owners who can say yes.
app.usespur.com
How to work this list
How to work a high equity list.
Equity gives owners options. These plays show how investors, agents, and lenders use it.
- 1Make a fair cash offer
High equity lets owners sell at a discount and still walk away with cash.
High equity homeowner play → - 2Reach empty nesters
Long-time owners with big homes and big equity are natural downsizers.
Empty nester downsizing play → - 3Offer a HELOC
Lenders can reach owner-occupants with equity to borrow against.
HELOC marketing play →
Guide
What a high equity list is, and how equity is estimated
Home equity is the part of a property the owner owns outright: its market value minus everything owed against it. A high equity list is a set of owners above a threshold you choose, commonly 40%, 50%, or 80% and up. These owners have room to negotiate, which makes them valuable to investors, agents, and lenders alike.
Equity can't be read directly from public records. It's estimated. Value comes from an automated valuation model based on recent nearby sales and property characteristics. Loan balances come from recorded mortgages, amortized forward from the loan amount and date. The best estimates include second mortgages and home equity lines, which some lists leave out. Treat equity as a strong signal, not an appraisal.
After years of rising prices, many long-time owners have a lot of equity, so a high equity list on its own can include a large share of a neighborhood. That's why you need a second signal. Absentee owners with high equity may be tired landlords. Owners of 20 years or more may be thinking about downsizing. High equity plus vacancy or tax delinquency points to an owner who can sell and may need to.
How you use the list depends on your business. Investors make cash or terms offers. Agents send market updates and home value postcards. Lenders offer HELOCs and cash-out refinances. Remodelers and solar installers target owners who can finance a project. The data is the same; the letter changes.
Values move with the market, so re-pull or save your search periodically. An owner at 45% equity last year might clear your 50% threshold today.
Finally, think about how you mention equity. Owners rarely like to be told how much a stranger thinks they're worth. Lead with the home itself, its age, neighborhood sales, or what similar homes recently sold for, and let the numbers support your offer rather than headline it. That tone gets more responses and fewer complaints.
34×return on a year of Spur Team from one $20,000 deal
One high equity deal pays for years of Spur.
- Spur Team: $588/yr billed annually
- Mail 300 stacked high equity owners × 3 touches = 900 postcards at $1.09 = $981
- One $20,000 deal = 34× your subscription
Example math. Deal size and response rates vary by market. Run your own numbers →
List + outreach in one
Spur vs. buying a high equity list
What you needBuying a listSpur
Equity on every recordPaid per record from a list broker✓ Built in
First and second loans countedOften first mortgage only✓ Built in
Custom thresholds and stacksFixed list segments✓ Built in
Owner phone and emailSeparate skip trace✓ Built in
Letters and mailingUpload to a print vendor✓ Built in
FAQ
High Equity List questions
How do I find high equity homeowners?
In Spur, search any zip and set an equity filter, such as 60%+. You'll see every matching owner with value, loans, equity, and years owned.
How is home equity estimated?
Estimated market value minus estimated open loan balances from recorded mortgages. It's an estimate, not an appraisal, but it's a reliable way to prioritize owners.
What counts as high equity?
Most investors use 50% or more. Lenders marketing HELOCs may use 30–40%. Free-and-clear owners have 100%.
Are high equity owners motivated sellers?
Not by themselves. Equity means they can sell; you still need a reason they might. Stack it with absentee, vacancy, long ownership, or tax delinquency.
Can lenders use a high equity list?
Yes. Lenders use high equity lists for HELOC and cash-out refinance marketing, usually filtered to owner-occupied homes.
Keep exploring
Related lists, plays, and guides
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