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Rural ResidenceResidential
$402,584$157 / 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 94How 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

11654 STATE ROUTE V

ROLLA, MO 65401
4
Beds
1
Baths
2,567 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.
9.7 ac
Lot SizeThe size of the land the home sits on, from county records.
1997
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
9
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$403K
$378K low$427K 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.$261,544
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$209,235
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.32%
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.$141,040
ROLLA FEDERAL CREDIT UNION · recorded Mar 26, 2013

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,295 (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.$48,040 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$3,570
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$44,470
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$48,040
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$253,030

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
11
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
55
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
81
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
65
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
14
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.10 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
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.Rural Residence
CountyPHELPS
Lot (acres)The size of the land the home sits on, from county records.9.70
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Shingle
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
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
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.Shed · 240 ft²

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

M
St. James Middle SchoolC+
Middle · Grades 6–8 · 5.2 mi
H
St. James High SchoolB-
High · Grades 9–12 · 6.1 mi
E
Lucy Wortham James Elementary SchoolC+
Elementary · Grades PK–5 · 6.2 mi

District: St. James R-I School District

Neighborhood · ZIP 65401These 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.105
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.107
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.65

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.86%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.19%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.15%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.31,711
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.125 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$55,832
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$69,332
Average tempThe average temperature here across a full year.55°F
Annual precipHow much rain and melted snow falls here in a typical year.44 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.56%

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

11654 State Route V 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 more than 83% of homes in Phelps County
  • Bigger than 90% of homes in Phelps County
  • Has a bigger lot than 84% of homes in Rolla 65401
  • Newer than 72% of homes in Rolla 65401

What homes are worth in Rolla 65401

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

This home
$98K$694K

This home is worth more than 82% of homes in Rolla 65401.

How it measures up in Rolla 65401

The dot is this home. The mark in the middle is the typical home in Rolla 65401.

Estimated value$402,584
CheaperTypical $248,324Pricier

Pricier than 82% of homes nearby

Price per ft²$157
CheaperTypical $160Pricier

Pricier than 46% of homes nearby

Living area2,567 ft²
SmallerTypical 1,552 ft²Bigger

Bigger than 89% of homes nearby

Lot size9.7 ac
SmallerTypical 0.6 acBigger

Bigger than 84% of homes nearby

Year built1997
OlderTypical 1980Newer

Newer than 72% of homes nearby

How 11654 State Route V ranks against every home in each area.
MeasureThis homeRolla 65401Phelps County
Estimated valuepricier than$402,58482% of homes83% of homes
Price per ft²pricier than$15746% of homes47% of homes
Living areabigger than2,567 ft²89% of homes90% of homes
Lot sizebigger than9.7 ac84% of homes78% of homes
Year builtnewer than199772% of homes72% of homes

About 11654 State Route V

How much is 11654 State Route V, Rolla, MO worth?

The TopHap Estimate for 11654 State Route V, Rolla, MO is $402,584 as of Jul 14, 2026. The likely range is $378,484 to $426,684. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 11654 State Route V, Rolla, MO last sell?

11654 State Route V, Rolla, MO last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 11654 State Route V, Rolla, MO?

11654 State Route V, Rolla, MO has 4 bedrooms, 1 bathrooms, 2,567 square feet of living space and a 9.70-acre lot.

When was 11654 State Route V, Rolla, MO built?

11654 State Route V, Rolla, MO was built in 1997, making it 29 years old. The building has 1 story.

What schools serve 11654 State Route V, Rolla, MO?

11654 State Route V, Rolla, MO is assigned to St. James Middle School (middle), rated C+; St. James High School (high), rated B-; Lucy Wortham James Elementary School (elementary), rated C+. All sit in St. James R-I School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 11654 State Route V, Rolla, MO compare to other homes in Rolla 65401?

Among the 10,027 homes in Rolla 65401, it is worth more than 82% of them ($402,584 against a typical $248,324), its price per square foot is higher than 46% of them ($157 against a typical $160), it is bigger than 89% of them (2,567 ft² against a typical 1,552 ft²), its lot is bigger than 84% of them (9.7 ac against a typical 0.6 ac) and it is newer than 72% of them (1997 against a typical 1980). Measured against all of Phelps County, it is worth more than 83% 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 11654 State Route V, Rolla, MO?

The 2025 property tax bill for 11654 State Route V, Rolla, MO was $2,295. The county assessed it at $48,040.

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Assigned schools

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