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Single Family ResidenceResidential
$566,226$178 / 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 92How 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

140 SUMMERS BAY DR

RIDGELAND, MS 39157
3
Beds
2.5
Baths
3,181 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.
1995
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$566K
$521K low$611K 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.$0
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$0
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.164%
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.$396,000
AFFORDABLE LNDG · recorded May 31, 2019
2nd 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.$380,000
AFFORDABLE LENDING GROUP LLC
3rd 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.$169,600

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,951 (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.$39,451 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$39,451
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$394,510

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.49
49
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
13
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
99
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
75
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
9
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.14 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.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
CountyMadison
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Mat/Raft Foundation (Slab)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.None
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
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.Deck · 180 ft²Patio · 384 ft²

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

E
Ann Smith Elementary SchoolB+
Elementary · Grades PK–2 · 3.0 mi
H
Ridgeland High SchoolC
High · Grades 9–12 · 3.9 mi
M
Old Town Middle SchoolB
Middle · Grades 6–8 · 3.9 mi

District: Madison County School District

Neighborhood · ZIP 39157These 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.109
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.84
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.43

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.85%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.32%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.5%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.7%
PopulationHow many people live in this area.25,907
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.800 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$88,166
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$105,916
Average tempThe average temperature here across a full year.64°F
Annual precipHow much rain and melted snow falls here in a typical year.58 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.61%

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

140 Summers Bay 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 more than 85% of homes in Ridgeland 39157
  • Costs more per square foot than 86% of homes in Ridgeland 39157
  • Bigger than 79% of homes in Ridgeland 39157

What homes are worth in Ridgeland 39157

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

This home
$127K$1.3M

This home is worth more than 85% of homes in Ridgeland 39157.

How it measures up in Ridgeland 39157

The dot is this home. The mark in the middle is the typical home in Ridgeland 39157.

Estimated value$566,226
CheaperTypical $265,182Pricier

Pricier than 85% of homes nearby

Price per ft²$178
CheaperTypical $127Pricier

Pricier than 86% of homes nearby

Living area3,181 ft²
SmallerTypical 2,101 ft²Bigger

Bigger than 79% of homes nearby

Year built1995
OlderTypical 1992Newer

Newer than 60% of homes nearby

How 140 Summers Bay Dr ranks against every home in each area.
MeasureThis homeRidgeland 39157Madison County
Estimated valuepricier than$566,22685% of homes85% of homes
Price per ft²pricier than$17886% of homes86% of homes
Living areabigger than3,181 ft²79% of homes78% of homes
Year builtnewer than199560% of homes52% of homes

About 140 Summers Bay Dr

How much is 140 Summers Bay Dr, Ridgeland, MS worth?

The TopHap Estimate for 140 Summers Bay Dr, Ridgeland, MS is $566,226 as of Jul 14, 2026. The likely range is $521,344 to $611,108. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 140 Summers Bay Dr, Ridgeland, MS last sell?

140 Summers Bay Dr, Ridgeland, MS last sold on May 15, 2019, according to the county's recorded deed.

How big is 140 Summers Bay Dr, Ridgeland, MS?

140 Summers Bay Dr, Ridgeland, MS has 3 bedrooms, 2.5 bathrooms and 3,181 square feet of living space.

When was 140 Summers Bay Dr, Ridgeland, MS built?

140 Summers Bay Dr, Ridgeland, MS was built in 1995, making it 31 years old. The building has 2 stories.

What schools serve 140 Summers Bay Dr, Ridgeland, MS?

140 Summers Bay Dr, Ridgeland, MS is assigned to Ann Smith Elementary School (elementary), rated B+; Ridgeland High School (high), rated C; Old Town Middle School (middle), rated B. All sit in Madison County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 140 Summers Bay Dr, Ridgeland, MS compare to other homes in Ridgeland 39157?

Among the 6,513 homes in Ridgeland 39157, it is worth more than 85% of them ($566,226 against a typical $265,182), its price per square foot is higher than 86% of them ($178 against a typical $127), it is bigger than 79% of them (3,181 ft² against a typical 2,101 ft²) and it is newer than 60% of them (1995 against a typical 1992). Measured against all of Madison County, it is worth more than 85% 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 140 Summers Bay Dr, Ridgeland, MS?

The 2025 property tax bill for 140 Summers Bay Dr, Ridgeland, MS was $3,951. The county assessed it at $39,451.

Closest homes

More homes in Ridgeland 39157

Assigned schools

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