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Single Family ResidenceResidential
$260,092$143 / 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 89How 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

195 CLAY ST

NETTLETON, MS 38858
3
Baths
1,814 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.
0.2 ac
Lot SizeThe size of the land the home sits on, from county records.
2019
Year BuiltThe year the home was originally built, according to county records.

Valuation

$260K
$230K low$290K 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.$99,256
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$79,405
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.65%
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.$160,836
FIRST CHOICE BANK · recorded Jul 18, 2018

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,706 (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.$17,748 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$15,444
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$177,480

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
31
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
36
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
95
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.
7
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.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
CountyMonroe
Lot (acres)The size of the land the home sits on, from county records.0.20
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.Composition Shingle
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Yes

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
Nettleton High SchoolB+
High · Grades 9–12 · 1.0 mi
M
Nettleton Junior High SchoolD-
Middle · Grades 6–8 · 1.0 mi
E
Nettleton Primary SchoolD-
Elementary · Grades KG–2 · 1.5 mi

District: Nettleton School District

Neighborhood · ZIP 38858These 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.93
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.56

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.87%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.9.8%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.13%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.7,104
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.53 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$62,067
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$71,433
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

195 Clay 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 more than 87% of homes in Monroe County
  • Costs more per square foot than 84% of homes in Monroe County
  • Bigger than 75% of homes in Monroe County
  • Has a smaller lot than 96% of homes in Nettleton 38858
  • Among the newest homes in Monroe County

What homes are worth in Nettleton 38858

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

This home
$80K$487K

This home is worth more than 79% of homes in Nettleton 38858.

How it measures up in Nettleton 38858

The dot is this home. The mark in the middle is the typical home in Nettleton 38858.

Estimated value$260,092
CheaperTypical $182,579Pricier

Pricier than 79% of homes nearby

Price per ft²$143
CheaperTypical $128Pricier

Pricier than 65% of homes nearby

Living area1,814 ft²
SmallerTypical 1,418 ft²Bigger

Bigger than 72% of homes nearby

Lot size0.2 ac
SmallerTypical 1.6 acBigger

Bigger than 4% of homes nearby

Year built2019
OlderTypical 1980Newer

Newer than 96% of homes nearby

How 195 Clay St ranks against every home in each area.
MeasureThis homeNettleton 38858Monroe County
Estimated valuepricier than$260,09279% of homes87% of homes
Price per ft²pricier than$14365% of homes84% of homes
Living areabigger than1,814 ft²72% of homes75% of homes
Lot sizebigger than0.2 ac4% of homes13% of homes
Year builtnewer than201996% of homesalmost all homes

About 195 Clay St

How much is 195 Clay St, Nettleton, MS worth?

The TopHap Estimate for 195 Clay St, Nettleton, MS is $260,092 as of Jul 14, 2026. The likely range is $230,453 to $289,731. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 195 Clay St, Nettleton, MS?

195 Clay St, Nettleton, MS has 3 bathrooms, 1,814 square feet of living space and a 0.20-acre lot.

When was 195 Clay St, Nettleton, MS built?

195 Clay St, Nettleton, MS was built in 2019, making it 7 years old.

What schools serve 195 Clay St, Nettleton, MS?

195 Clay St, Nettleton, MS is assigned to Nettleton High School (high), rated B+; Nettleton Junior High School (middle), rated D-; Nettleton Primary School (elementary), rated D-. All sit in Nettleton School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 195 Clay St, Nettleton, MS compare to other homes in Nettleton 38858?

Among the 2,217 homes in Nettleton 38858, it is worth more than 79% of them ($260,092 against a typical $182,579), its price per square foot is higher than 65% of them ($143 against a typical $128), it is bigger than 72% of them (1,814 ft² against a typical 1,418 ft²), its lot is bigger than 4% of them (0.2 ac against a typical 1.6 ac) and it is newer than 96% of them (2019 against a typical 1980). Measured against all of Monroe County, it is worth more than 87% 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 195 Clay St, Nettleton, MS?

The 2025 property tax bill for 195 Clay St, Nettleton, MS was $2,706. The county assessed it at $17,748.

Closest homes

More homes in Nettleton 38858

Assigned schools

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