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Single Family ResidenceResidential
$116,163$60 / 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 65How 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

446 NORTH ST

COLDWATER, MS 38618
3
Beds
0
Baths
1,938 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.
1942
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

$116K
$75K low$157K 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.$0
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$0
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.441%
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.$503,276
BANK OF HOLLY SPRINGS · R · recorded Oct 26, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,852 (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.$11,901 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$2,085
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$9,816
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$11,901
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$79,343

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.62
71
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.
96
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.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.44 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
CountyTate
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Concrete
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

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

Company ownedWhether the owner is a company or trust rather than a person.Yes

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

446 North 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 94% of homes in Tate County
  • Among the lowest price per square foot in Coldwater 38618
  • Older than 95% of homes in Coldwater 38618

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
$85K$646K

This home is worth more than 8% 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$116,163
CheaperTypical $249,710Pricier

Pricier than 8% of homes nearby

Price per ft²$60
CheaperTypical $138Pricier

Cheaper than almost all homes nearby

Living area1,938 ft²
SmallerTypical 1,706 ft²Bigger

Bigger than 60% of homes nearby

Year built1942
OlderTypical 1989Newer

Newer than 5% of homes nearby

How 446 North St ranks against every home in each area.
MeasureThis homeColdwater 38618Tate County
Estimated valuepricier than$116,1638% of homes6% of homes
Price per ft²pricier than$60almost no homesalmost no homes
Living areabigger than1,938 ft²60% of homes57% of homes
Year builtnewer than19425% of homes5% of homes

About 446 North St

How much is 446 North St, Coldwater, MS worth?

The TopHap Estimate for 446 North St, Coldwater, MS is $116,163 as of Jul 14, 2026. The likely range is $75,313 to $157,013. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 446 North St, Coldwater, MS?

446 North St, Coldwater, MS has 3 bedrooms and 1,938 square feet of living space.

When was 446 North St, Coldwater, MS built?

446 North St, Coldwater, MS was built in 1942, making it 84 years old.

How does 446 North St, Coldwater, MS compare to other homes in Coldwater 38618?

Among the 4,744 homes in Coldwater 38618, it is worth more than 8% of them ($116,163 against a typical $249,710), its price per square foot is higher than almost none of them ($60 against a typical $138), it is bigger than 60% of them (1,938 ft² against a typical 1,706 ft²) and it is newer than 5% of them (1942 against a typical 1989). Measured against all of Tate County, it is worth more than 6% 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 446 North St, Coldwater, MS?

The 2025 property tax bill for 446 North St, Coldwater, MS was $1,852. The county assessed it at $11,901.

Closest homes

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