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Single Family ResidenceResidential
$109,575$130 / 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 86How 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

1409 SPENCER ST

ROLLA, MO 65401
2
Beds
1
Baths
840 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.
0.1 ac
Lot SizeThe size of the land the home sits on, from county records.
1946
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

$110K
$94K low$125K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$466 (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.$8,920 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$1,440
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$7,480
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$8,920
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$46,900

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.38
10
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
24
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
80
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.6 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.Single Family Residence
CountyPHELPS
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.1997
Lot (acres)The size of the land the home sits on, from county records.0.10
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
PoolWhether the property has a pool, and what kind, such as in-ground.No

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

E
Harry S. Truman Elementary SchoolA+
Elementary · Grades KG–3 · 0.2 mi
H
Rolla High SchoolC
High · Grades 9–12 · 0.4 mi
M
Rolla Junior High SchoolC+
Middle · Grades 7–8 · 1.0 mi

District: Rolla 31 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%

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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

1409 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 96% of homes in Rolla 65401
  • Costs less per square foot than 78% of homes in Rolla 65401
  • Smaller than 94% of homes in Rolla 65401
  • Has a smaller lot than 96% of homes in Phelps County
  • Older than 86% 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
$95K$669K

This home is worth more than 4% 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$109,575
CheaperTypical $246,965Pricier

Pricier than 4% of homes nearby

Price per ft²$130
CheaperTypical $160Pricier

Pricier than 22% of homes nearby

Living area840 ft²
SmallerTypical 1,560 ft²Bigger

Bigger than 6% of homes nearby

Lot size0.1 ac
SmallerTypical 0.6 acBigger

Bigger than 6% of homes nearby

Year built1946
OlderTypical 1980Newer

Newer than 14% of homes nearby

How 1409 Spencer St ranks against every home in each area.
MeasureThis homeRolla 65401Phelps County
Estimated valuepricier than$109,5754% of homes5% of homes
Price per ft²pricier than$13022% of homes24% of homes
Living areabigger than840 ft²6% of homes7% of homes
Lot sizebigger than0.1 ac6% of homes4% of homes
Year builtnewer than194614% of homes15% of homes

About 1409 Spencer St

How much is 1409 Spencer St, Rolla, MO worth?

The TopHap Estimate for 1409 Spencer St, Rolla, MO is $109,575 as of Aug 30, 2026. The likely range is $93,724 to $125,426. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1409 Spencer St, Rolla, MO last sell?

1409 Spencer St, Rolla, MO last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 1409 Spencer St, Rolla, MO?

1409 Spencer St, Rolla, MO has 2 bedrooms, 1 bathrooms, 840 square feet of living space and a 0.10-acre lot.

When was 1409 Spencer St, Rolla, MO built?

1409 Spencer St, Rolla, MO was built in 1946, making it 80 years old. The building has 1 story.

What schools serve 1409 Spencer St, Rolla, MO?

1409 Spencer St, Rolla, MO is assigned to Harry S. Truman Elementary School (elementary), rated A+; Rolla High School (high), rated C; Rolla Junior High School (middle), rated C+. All sit in Rolla 31 School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1409 Spencer St, Rolla, MO compare to other homes in Rolla 65401?

Among the 10,019 homes in Rolla 65401, it is worth more than 4% of them ($109,575 against a typical $246,965), its price per square foot is higher than 22% of them ($130 against a typical $160), it is bigger than 6% of them (840 ft² against a typical 1,560 ft²), its lot is bigger than 6% of them (0.1 ac against a typical 0.6 ac) and it is newer than 14% of them (1946 against a typical 1980). Measured against all of Phelps County, it is worth more than 5% 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 1409 Spencer St, Rolla, MO?

The 2025 property tax bill for 1409 Spencer St, Rolla, MO was $466. The county assessed it at $8,920.

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