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Single Family ResidenceResidential
$205,842$134 / 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 Sep 24, 2026

401 W HARDY ST

SAINT JAMES, MO 65559
3
Beds
2
Baths
1,536 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.
0.3 ac
Lot SizeThe size of the land the home sits on, from county records.
1976
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$206K
$184K low$228K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,206 (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.$24,700 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$3,230
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$21,470
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$24,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$130,010

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.47
35
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
42
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
81
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
67
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.3 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.1 percent flood zone

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
Lot (acres)The size of the land the home sits on, from county records.0.30
ConstructionThe main material the home's frame and walls are built from.Brick
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
GarageWhether the property has a garage, and details like whether it is attached to the home.Mixed
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.

H
St. James High SchoolB
High · Grades 9–12 · 0.3 mi
E
Lucy Wortham James Elementary SchoolA-
Elementary · Grades PK–5 · 0.4 mi
M
St. James Middle SchoolB+
Middle · Grades 6–8 · 0.9 mi

District: St. James R-I School District

Neighborhood · ZIP 65559These 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.95
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.111
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.72

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.13%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
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.10,002
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.51 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$65,701
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$83,636
Average tempThe average temperature here across a full year.55°F
Annual precipHow much rain and melted snow falls here in a typical year.43 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

401 W Hardy 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 66% of homes in Saint James 65559
  • Costs less per square foot than 77% of homes in Saint James 65559
  • Has a smaller lot than 75% of homes in Saint James 65559

What homes are worth in Saint James 65559

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

This home
$103K$633K

This home is worth more than 34% of homes in Saint James 65559.

How it measures up in Saint James 65559

The dot is this home. The mark in the middle is the typical home in Saint James 65559.

Estimated value$205,842
CheaperTypical $245,829Pricier

Pricier than 34% of homes nearby

Price per ft²$134
CheaperTypical $162Pricier

Pricier than 23% of homes nearby

Living area1,536 ft²
SmallerTypical 1,472 ft²Bigger

Bigger than 54% of homes nearby

Lot size0.3 ac
SmallerTypical 3.2 acBigger

Bigger than 25% of homes nearby

Year built1976
OlderTypical 1978Newer

Newer than 47% of homes nearby

How 401 W Hardy St ranks against every home in each area.
MeasureThis homeSaint James 65559Phelps County
Estimated valuepricier than$205,84234% of homes39% of homes
Price per ft²pricier than$13423% of homes29% of homes
Living areabigger than1,536 ft²54% of homes51% of homes
Lot sizebigger than0.3 ac25% of homes33% of homes
Year builtnewer than197647% of homes46% of homes

About 401 W Hardy St

How much is 401 W Hardy St, Saint James, MO worth?

The TopHap Estimate for 401 W Hardy St, Saint James, MO is $205,842 as of Sep 24, 2026. The likely range is $184,090 to $227,594. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 401 W Hardy St, Saint James, MO last sell?

401 W Hardy St, Saint James, MO last sold on May 1, 2013, according to the county's recorded deed.

How big is 401 W Hardy St, Saint James, MO?

401 W Hardy St, Saint James, MO has 3 bedrooms, 2 bathrooms, 1,536 square feet of living space and a 0.30-acre lot.

When was 401 W Hardy St, Saint James, MO built?

401 W Hardy St, Saint James, MO was built in 1976, making it 50 years old. The building has 1 story.

What schools serve 401 W Hardy St, Saint James, MO?

401 W Hardy St, Saint James, MO is assigned to St. James High School (high), rated B; Lucy Wortham James Elementary School (elementary), rated A-; St. James Middle School (middle), rated B+. All sit in St. James R-I School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 401 W Hardy St, Saint James, MO compare to other homes in Saint James 65559?

Among the 3,643 homes in Saint James 65559, it is worth more than 34% of them ($205,842 against a typical $245,829), its price per square foot is higher than 23% of them ($134 against a typical $162), it is bigger than 54% of them (1,536 ft² against a typical 1,472 ft²), its lot is bigger than 25% of them (0.3 ac against a typical 3.2 ac) and it is newer than 47% of them (1976 against a typical 1978). Measured against all of Phelps County, it is worth more than 39% 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 401 W Hardy St, Saint James, MO?

The 2025 property tax bill for 401 W Hardy St, Saint James, MO was $1,206. The county assessed it at $24,700.

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