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Single Family ResidenceResidential
$113,616$121 / 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 79How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $15,000 on May 15, 2020

108 SPENCER ST

MONROE, VA 24574
2
Beds
1
Baths
940 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.
0.18 ac
Lot SizeThe size of the land the home sits on, from county records.
1949
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
4
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$114K
$90K low$138K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$15,000 · May 15, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$487 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$65,700 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$15,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$50,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$65,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$87,000

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.43
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
21
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
82
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
92
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
20
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
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
StyleThe architectural style of the home, such as ranch or colonial.Colonial
CountyAMHERST
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.1971
Lot (acres)The size of the land the home sits on, from county records.0.18
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Stone (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(5)

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.

H
Amherst County High SchoolD
High · Grades 9–12 · 5.8 mi
M
Amherst Middle SchoolC+
Middle · Grades 6–8 · 6.8 mi
E
Amherst Elementary SchoolC+
Elementary · Grades PK–5 · 7.2 mi

District: Amherst County Public Schools

Neighborhood · ZIP 24574These 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.96
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.104
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.57

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.89%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.17%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.10%
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.3,761
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.33 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$75,677
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$96,122
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.45 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.63%

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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

108 Spencer 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 91% of homes in Amherst County
  • Costs less per square foot than 85% of homes in Amherst County
  • Smaller than 88% of homes in Monroe 24574
  • Among the smallest lots in Monroe 24574
  • Older than 83% of homes in Amherst County

What homes are worth in Monroe 24574

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

This home
$60K$860K

This home is worth more than 11% of homes in Monroe 24574.

How it measures up in Monroe 24574

The dot is this home. The mark in the middle is the typical home in Monroe 24574.

Estimated value$113,616
CheaperTypical $276,824Pricier

Pricier than 11% of homes nearby

Price per ft²$121
CheaperTypical $185Pricier

Pricier than 16% of homes nearby

Living area940 ft²
SmallerTypical 1,484 ft²Bigger

Bigger than 12% of homes nearby

Lot size0.18 ac
SmallerTypical 4.72 acBigger

Smaller than almost all homes nearby

Year built1949
OlderTypical 1984Newer

Newer than 20% of homes nearby

How 108 Spencer St ranks against every home in each area.
MeasureThis homeMonroe 24574Amherst County
Estimated valuepricier than$113,61611% of homes9% of homes
Price per ft²pricier than$12116% of homes15% of homes
Living areabigger than940 ft²12% of homes12% of homes
Lot sizebigger than0.18 acalmost no homes2% of homes
Year builtnewer than194920% of homes17% of homes

About 108 Spencer St

How much is 108 Spencer St, Monroe, VA worth?

The TopHap Estimate for 108 Spencer St, Monroe, VA is $113,616 as of Sep 24, 2026. The likely range is $89,640 to $137,592. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 108 Spencer St, Monroe, VA last sell?

108 Spencer St, Monroe, VA last sold on May 15, 2020 for $15,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 108 Spencer St, Monroe, VA?

108 Spencer St, Monroe, VA has 2 bedrooms, 1 bathrooms, 940 square feet of living space and a 0.18-acre lot.

When was 108 Spencer St, Monroe, VA built?

108 Spencer St, Monroe, VA was built in 1949, making it 77 years old. It is a colonial home. The building has 1 story.

What schools serve 108 Spencer St, Monroe, VA?

108 Spencer St, Monroe, VA is assigned to Amherst County High School (high), rated D; Amherst Middle School (middle), rated C+; Amherst Elementary School (elementary), rated C+. All sit in Amherst County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 108 Spencer St, Monroe, VA compare to other homes in Monroe 24574?

Among the 1,818 homes in Monroe 24574, it is worth more than 11% of them ($113,616 against a typical $276,824), its price per square foot is higher than 16% of them ($121 against a typical $185), it is bigger than 12% of them (940 ft² against a typical 1,484 ft²), its lot is bigger than almost none of them (0.18 ac against a typical 4.72 ac) and it is newer than 20% of them (1949 against a typical 1984). Measured against all of Amherst County, it is worth more than 9% 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 108 Spencer St, Monroe, VA?

The 2026 property tax bill for 108 Spencer St, Monroe, VA was $487. The county assessed it at $65,700.

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