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Rural ResidenceResidential
$320,747$172 / 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 94How 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

408 N WATER ST

SAVOY, TX 75479
1.5
Baths
1,860 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.
10.46 ac
Lot SizeThe size of the land the home sits on, from county records.
1984
Year BuiltThe year the home was originally built, according to county records.

Valuation

$321K
$302K low$340K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$336 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$336,990 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$268,010
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$68,980
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$353,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$336,990

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
13
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
67
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.
58
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
13
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.24 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.Rural Residence
CountyFannin
Lot (acres)The size of the land the home sits on, from county records.10.46
ConstructionThe main material the home's frame and walls are built from.Wood Frame
HeatingThe type of heating system in the home.Electric
CoolingThe type of cooling or air conditioning in the home.Central
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 · 360 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
Savoy Elementary SchoolB+
Elementary · Grades PK–6 · 0.4 mi
M
Savoy High SchoolB-
Middle · Grades 7–12 · 1.0 mi

District: Savoy Independent School District

Neighborhood · ZIP 75479These 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.130
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.105
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.34

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.90%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.16%
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.1.1%
PopulationHow many people live in this area.1,790
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.37 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$67,549
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$85,807
Average tempThe average temperature here across a full year.64°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.62%

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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

408 N Water 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.

  • Has a bigger lot than 84% of homes in Fannin County

What homes are worth in Savoy 75479

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

This home
$102K$1.6M

This home is worth more than 58% of homes in Savoy 75479.

How it measures up in Savoy 75479

The dot is this home. The mark in the middle is the typical home in Savoy 75479.

Estimated value$320,747
CheaperTypical $269,544Pricier

Pricier than 58% of homes nearby

Price per ft²$172
CheaperTypical $158Pricier

Pricier than 56% of homes nearby

Living area1,860 ft²
SmallerTypical 1,731 ft²Bigger

Bigger than 58% of homes nearby

Lot size10.46 ac
SmallerTypical 2 acBigger

Bigger than 82% of homes nearby

Year built1984
OlderTypical 1995Newer

Newer than 41% of homes nearby

How 408 N Water St ranks against every home in each area.
MeasureThis homeSavoy 75479Fannin County
Estimated valuepricier than$320,74758% of homes58% of homes
Price per ft²pricier than$17256% of homes56% of homes
Living areabigger than1,860 ft²58% of homes57% of homes
Lot sizebigger than10.46 ac82% of homes84% of homes
Year builtnewer than198441% of homes45% of homes

About 408 N Water St

How much is 408 N Water St, Savoy, TX worth?

The TopHap Estimate for 408 N Water St, Savoy, TX is $320,747 as of Sep 24, 2026. The likely range is $301,927 to $339,567. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 408 N Water St, Savoy, TX last sell?

408 N Water St, Savoy, TX last sold on Jun 6, 2017, according to the county's recorded deed.

How big is 408 N Water St, Savoy, TX?

408 N Water St, Savoy, TX has 1.5 bathrooms, 1,860 square feet of living space and a 10.46-acre lot.

When was 408 N Water St, Savoy, TX built?

408 N Water St, Savoy, TX was built in 1984, making it 42 years old.

What schools serve 408 N Water St, Savoy, TX?

408 N Water St, Savoy, TX is assigned to Savoy Elementary School (elementary), rated B+; Savoy High School (middle), rated B-. All sit in Savoy Independent School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 408 N Water St, Savoy, TX compare to other homes in Savoy 75479?

Among the 900 homes in Savoy 75479, it is worth more than 58% of them ($320,747 against a typical $269,544), its price per square foot is higher than 56% of them ($172 against a typical $158), it is bigger than 58% of them (1,860 ft² against a typical 1,731 ft²), its lot is bigger than 82% of them (10.46 ac against a typical 2 ac) and it is newer than 41% of them (1984 against a typical 1995). Measured against all of Fannin County, it is worth more than 58% 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 408 N Water St, Savoy, TX?

The 2024 property tax bill for 408 N Water St, Savoy, TX was $336. The county assessed it at $336,990.

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