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Single Family ResidenceResidential
$116,158$95 / 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 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

123 SPENCER ST

MONROE, VA 24574
3
Beds
1
Baths
1,224 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.
0.45 ac
Lot SizeThe size of the land the home sits on, from county records.
1929
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

$116K
$110K low$122K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$849 (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.$81,100 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$17,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$63,600
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$81,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$151,600

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.
83
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.Cape Cod
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.1959
Lot (acres)The size of the land the home sits on, from county records.0.45
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
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(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.

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 SchoolB
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

123 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 90% of homes in Amherst County
  • Costs less per square foot than 94% of homes in Amherst County
  • Smaller than 67% of homes in Monroe 24574
  • Has a smaller lot than 95% of homes in Monroe 24574
  • Older than 92% 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
$57K$817K

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$116,158
CheaperTypical $279,516Pricier

Pricier than 11% of homes nearby

Price per ft²$95
CheaperTypical $185Pricier

Pricier than 8% of homes nearby

Living area1,224 ft²
SmallerTypical 1,478 ft²Bigger

Bigger than 33% of homes nearby

Lot size0.45 ac
SmallerTypical 4.52 acBigger

Bigger than 5% of homes nearby

Year built1929
OlderTypical 1984Newer

Newer than 11% of homes nearby

How 123 Spencer St ranks against every home in each area.
MeasureThis homeMonroe 24574Amherst County
Estimated valuepricier than$116,15811% of homes10% of homes
Price per ft²pricier than$958% of homes6% of homes
Living areabigger than1,224 ft²33% of homes38% of homes
Lot sizebigger than0.45 ac5% of homes11% of homes
Year builtnewer than192911% of homes8% of homes

About 123 Spencer St

How much is 123 Spencer St, Monroe, VA worth?

The TopHap Estimate for 123 Spencer St, Monroe, VA is $116,158 as of Aug 30, 2026. The likely range is $109,961 to $122,355. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 123 Spencer St, Monroe, VA last sell?

123 Spencer St, Monroe, VA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 123 Spencer St, Monroe, VA?

123 Spencer St, Monroe, VA has 3 bedrooms, 1 bathrooms, 1,224 square feet of living space and a 0.45-acre lot.

When was 123 Spencer St, Monroe, VA built?

123 Spencer St, Monroe, VA was built in 1929, making it 97 years old. It is a cape cod home. The building has 1 story.

What schools serve 123 Spencer St, Monroe, VA?

123 Spencer St, Monroe, VA is assigned to Amherst County High School (high), rated D+; Amherst Middle School (middle), rated B; 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 123 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 ($116,158 against a typical $279,516), its price per square foot is higher than 8% of them ($95 against a typical $185), it is bigger than 33% of them (1,224 ft² against a typical 1,478 ft²), its lot is bigger than 5% of them (0.45 ac against a typical 4.52 ac) and it is newer than 11% of them (1929 against a typical 1984). Measured against all of Amherst County, it is worth more than 10% 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 123 Spencer St, Monroe, VA?

The 2026 property tax bill for 123 Spencer St, Monroe, VA was $849. The county assessed it at $81,100.

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