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Single Family ResidenceResidential
$231,794$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 80How 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

278 FREEMAN DR

COLDWATER, MS 38618
3
Beds
0
Baths
1,619 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.
6 ac
Lot SizeThe size of the land the home sits on, from county records.
1996
Year BuiltThe year the home was originally built, according to county records.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$232K
$185K low$278K 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.$79,794
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$63,835
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.68%
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.$152,000
JPMORGAN CHASE BANK NA · R · recorded Aug 3, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,181 (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.$12,103 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$2,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$9,903
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$12,103
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$121,034

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.48
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
44
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
92
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
89
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
16
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
CountyTate
Lot (acres)The size of the land the home sits on, from county records.6.00
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.Shingle
HeatingThe type of heating system in the home.None
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.

M
Independence High SchoolD-
Middle · Grades 7–12 · 4.2 mi
E
East Tate Elementary SchoolC
Elementary · Grades KG–6 · 4.7 mi

District: Tate County School District

Neighborhood · ZIP 38618These 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.110
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.155
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.141

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.7.9%
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.1.0%
PopulationHow many people live in this area.11,123
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.57 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$60,402
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$74,534
Average tempThe average temperature here across a full year.61°F
Annual precipHow much rain and melted snow falls here in a typical year.55 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

278 Freeman 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.

  • Costs more per square foot than 66% of homes in Tate County
  • Has a bigger lot than 73% of homes in Tate County

What homes are worth in Coldwater 38618

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

This home
$88K$693K

This home is worth more than 45% of homes in Coldwater 38618.

How it measures up in Coldwater 38618

The dot is this home. The mark in the middle is the typical home in Coldwater 38618.

Estimated value$231,794
CheaperTypical $250,120Pricier

Pricier than 45% of homes nearby

Price per ft²$143
CheaperTypical $139Pricier

Pricier than 55% of homes nearby

Living area1,619 ft²
SmallerTypical 1,711 ft²Bigger

Bigger than 46% of homes nearby

Lot size6 ac
SmallerTypical 3.2 acBigger

Bigger than 72% of homes nearby

Year built1996
OlderTypical 1989Newer

Newer than 61% of homes nearby

How 278 Freeman Dr ranks against every home in each area.
MeasureThis homeColdwater 38618Tate County
Estimated valuepricier than$231,79445% of homes45% of homes
Price per ft²pricier than$14355% of homes66% of homes
Living areabigger than1,619 ft²46% of homes42% of homes
Lot sizebigger than6 ac72% of homes73% of homes
Year builtnewer than199661% of homes61% of homes

About 278 Freeman Dr

How much is 278 Freeman Dr, Coldwater, MS worth?

The TopHap Estimate for 278 Freeman Dr, Coldwater, MS is $231,794 as of Jul 14, 2026. The likely range is $185,369 to $278,219. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 278 Freeman Dr, Coldwater, MS?

278 Freeman Dr, Coldwater, MS has 3 bedrooms, 1,619 square feet of living space and a 6.00-acre lot.

When was 278 Freeman Dr, Coldwater, MS built?

278 Freeman Dr, Coldwater, MS was built in 1996, making it 30 years old.

What schools serve 278 Freeman Dr, Coldwater, MS?

278 Freeman Dr, Coldwater, MS is assigned to Independence High School (middle), rated D-; East Tate Elementary School (elementary), rated C. All sit in Tate County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 278 Freeman Dr, Coldwater, MS compare to other homes in Coldwater 38618?

Among the 4,744 homes in Coldwater 38618, it is worth more than 45% of them ($231,794 against a typical $250,120), its price per square foot is higher than 55% of them ($143 against a typical $139), it is bigger than 46% of them (1,619 ft² against a typical 1,711 ft²), its lot is bigger than 72% of them (6 ac against a typical 3.2 ac) and it is newer than 61% of them (1996 against a typical 1989). Measured against all of Tate County, it is worth more than 45% 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 278 Freeman Dr, Coldwater, MS?

The 2025 property tax bill for 278 Freeman Dr, Coldwater, MS was $1,181. The county assessed it at $12,103.

Closest homes

More homes in Coldwater 38618

Assigned schools

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