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Single Family ResidenceResidential
$115,117$73 / 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 87How 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

120 GARDEN SPOT DR

AMORY, MS 38821
1
Baths
1,581 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.
0.4 ac
Lot SizeThe size of the land the home sits on, from county records.
1950
Year BuiltThe year the home was originally built, according to county records.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$115K
$100K low$130K 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.$68,126
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$54,501
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.37%
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.$46,991
AMORY FEDERAL SAVINGS AND LOAN ASSN · recorded Jan 30, 2014

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$910 (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.$5,507 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$4,662
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$55,070

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.50
37
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
32
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
97
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
77
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
10
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.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.1 percent flood zone

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
CountyMonroe
Lot (acres)The size of the land the home sits on, from county records.0.40
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Concrete
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes

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

M
Amory Middle SchoolC+
Middle · Grades 6–8 · 1.4 mi
H
Amory High SchoolA
High · Grades 9–12 · 1.4 mi
E
West Amory Elementary SchoolA-
Elementary · Grades KG–2 · 2.3 mi

District: Amory School District

Neighborhood · ZIP 38821These 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.99
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.81
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.50

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.9.5%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.11%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.11,971
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.86 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$64,005
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$78,255
Average tempThe average temperature here across a full year.62°F
Annual precipHow much rain and melted snow falls here in a typical year.57 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.64%

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

120 Garden Spot 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.

  • Worth less than 72% of homes in Amory 38821
  • Costs less per square foot than 91% of homes in Amory 38821
  • Has a smaller lot than 69% of homes in Monroe County
  • Older than 77% of homes in Monroe County

What homes are worth in Amory 38821

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

This home
$59K$464K

This home is worth more than 28% of homes in Amory 38821.

How it measures up in Amory 38821

The dot is this home. The mark in the middle is the typical home in Amory 38821.

Estimated value$115,117
CheaperTypical $150,115Pricier

Pricier than 28% of homes nearby

Price per ft²$73
CheaperTypical $104Pricier

Pricier than 9% of homes nearby

Living area1,581 ft²
SmallerTypical 1,416 ft²Bigger

Bigger than 62% of homes nearby

Lot size0.4 ac
SmallerTypical 0.5 acBigger

Bigger than 44% of homes nearby

Year built1950
OlderTypical 1966Newer

Newer than 26% of homes nearby

How 120 Garden Spot Dr ranks against every home in each area.
MeasureThis homeAmory 38821Monroe County
Estimated valuepricier than$115,11728% of homes31% of homes
Price per ft²pricier than$739% of homes16% of homes
Living areabigger than1,581 ft²62% of homes63% of homes
Lot sizebigger than0.4 ac44% of homes31% of homes
Year builtnewer than195026% of homes23% of homes

About 120 Garden Spot Dr

How much is 120 Garden Spot Dr, Amory, MS worth?

The TopHap Estimate for 120 Garden Spot Dr, Amory, MS is $115,117 as of Jul 14, 2026. The likely range is $100,489 to $129,745. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 120 Garden Spot Dr, Amory, MS last sell?

120 Garden Spot Dr, Amory, MS last sold on Dec 14, 1990, according to the county's recorded deed.

How big is 120 Garden Spot Dr, Amory, MS?

120 Garden Spot Dr, Amory, MS has 1 bathrooms, 1,581 square feet of living space and a 0.40-acre lot.

When was 120 Garden Spot Dr, Amory, MS built?

120 Garden Spot Dr, Amory, MS was built in 1950, making it 76 years old.

What schools serve 120 Garden Spot Dr, Amory, MS?

120 Garden Spot Dr, Amory, MS is assigned to Amory Middle School (middle), rated C+; Amory High School (high), rated A; West Amory Elementary School (elementary), rated A-. All sit in Amory School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 120 Garden Spot Dr, Amory, MS compare to other homes in Amory 38821?

Among the 4,061 homes in Amory 38821, it is worth more than 28% of them ($115,117 against a typical $150,115), its price per square foot is higher than 9% of them ($73 against a typical $104), it is bigger than 62% of them (1,581 ft² against a typical 1,416 ft²), its lot is bigger than 44% of them (0.4 ac against a typical 0.5 ac) and it is newer than 26% of them (1950 against a typical 1966). Measured against all of Monroe County, it is worth more than 31% 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 120 Garden Spot Dr, Amory, MS?

The 2025 property tax bill for 120 Garden Spot Dr, Amory, MS was $910. The county assessed it at $5,507.

Closest homes

More homes in Amory 38821

Assigned schools

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