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Single Family ResidenceResidential
$106,258$81 / 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 Jul 14, 2026

320 SPENCE ST

ROCKDALE, TX 76567
0
Baths
1,304 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.
1965
Year BuiltThe year the home was originally built, according to county records.

Valuation

$106K
$101K low$112K 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.$10,258
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$8,206
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.87%
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.$96,000
ROCKET MORTGAGE LLC · recorded May 31, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$860 (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.$103,140 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$15,800
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$87,340
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$164,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$103,140

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.44
10
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
38
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.
50
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
24
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.1 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%

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
CountyMilam
Lot (acres)The size of the land the home sits on, from county records.0.10
HeatingThe type of heating system in the home.Stove
CoolingThe type of cooling or air conditioning in the home.Window A/C
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.Porch · 24 ft²

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.

E
Rockdale Elementary School
Elementary · Grades PK–2 · 0.2 mi
H
Rockdale High SchoolD
High · Grades 9–12 · 0.3 mi
M
Rockdale Jr High SchoolD
Middle · Grades 6–8 · 0.5 mi

District: Rockdale Independent School District

Neighborhood · ZIP 76567These 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.97
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.99
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.19

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.84%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.12%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.5%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.10,206
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.49 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$61,806
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$91,647
Average tempThe average temperature here across a full year.68°F
Annual precipHow much rain and melted snow falls here in a typical year.36 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.60%

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

320 Spence 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 83% of homes in Rockdale 76567
  • Costs less per square foot than 90% of homes in Rockdale 76567
  • Among the smallest lots in Rockdale 76567
  • Older than 80% of homes in Milam County

What homes are worth in Rockdale 76567

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

This home
$63K$928K

This home is worth more than 17% of homes in Rockdale 76567.

How it measures up in Rockdale 76567

The dot is this home. The mark in the middle is the typical home in Rockdale 76567.

Estimated value$106,258
CheaperTypical $189,770Pricier

Pricier than 17% of homes nearby

Price per ft²$81
CheaperTypical $126Pricier

Pricier than 10% of homes nearby

Living area1,304 ft²
SmallerTypical 1,463 ft²Bigger

Bigger than 40% of homes nearby

Lot size0.1 ac
SmallerTypical 0.43 acBigger

Smaller than almost all homes nearby

Year built1965
OlderTypical 1987Newer

Newer than 23% of homes nearby

How 320 Spence St ranks against every home in each area.
MeasureThis homeRockdale 76567Milam County
Estimated valuepricier than$106,25817% of homes17% of homes
Price per ft²pricier than$8110% of homes12% of homes
Living areabigger than1,304 ft²40% of homes38% of homes
Lot sizebigger than0.1 acalmost no homesalmost no homes
Year builtnewer than196523% of homes20% of homes

About 320 Spence St

How much is 320 Spence St, Rockdale, TX worth?

The TopHap Estimate for 320 Spence St, Rockdale, TX is $106,258 as of Jul 14, 2026. The likely range is $100,528 to $111,988. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 320 Spence St, Rockdale, TX last sell?

320 Spence St, Rockdale, TX last sold on Dec 3, 2007, according to the county's recorded deed.

How big is 320 Spence St, Rockdale, TX?

320 Spence St, Rockdale, TX has 1,304 square feet of living space and a 0.10-acre lot.

When was 320 Spence St, Rockdale, TX built?

320 Spence St, Rockdale, TX was built in 1965, making it 61 years old.

What schools serve 320 Spence St, Rockdale, TX?

320 Spence St, Rockdale, TX is assigned to Rockdale Elementary School (elementary); Rockdale High School (high), rated D; Rockdale Jr High School (middle), rated D. All sit in Rockdale Independent School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 320 Spence St, Rockdale, TX compare to other homes in Rockdale 76567?

Among the 4,180 homes in Rockdale 76567, it is worth more than 17% of them ($106,258 against a typical $189,770), its price per square foot is higher than 10% of them ($81 against a typical $126), it is bigger than 40% of them (1,304 ft² against a typical 1,463 ft²), its lot is bigger than almost none of them (0.1 ac against a typical 0.43 ac) and it is newer than 23% of them (1965 against a typical 1987). Measured against all of Milam County, it is worth more than 17% 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 320 Spence St, Rockdale, TX?

The 2025 property tax bill for 320 Spence St, Rockdale, TX was $860. The county assessed it at $103,140.

More homes on Spence St

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Assigned schools

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