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Single Family ResidenceResidential
$116,176$74 / 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 93How 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

490 COMMERCE ST

COLDWATER, MS 38618
3
Beds
0
Baths
1,561 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.
1940
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
$108K low$125K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$780 (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.$4,330 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$1,293
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$3,037
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$4,330
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$43,298

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.
41
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
95
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
90
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
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%

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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

490 Commerce 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
  • Costs less per square foot than 98% of homes in Tate County
  • Older than 96% 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
$80K$663K

This home is worth more than 7% 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$116,176
CheaperTypical $251,349Pricier

Pricier than 7% of homes nearby

Price per ft²$74
CheaperTypical $142Pricier

Pricier than 3% of homes nearby

Living area1,561 ft²
SmallerTypical 1,707 ft²Bigger

Bigger than 42% of homes nearby

Year built1940
OlderTypical 1989Newer

Newer than 4% of homes nearby

How 490 Commerce St ranks against every home in each area.
MeasureThis homeColdwater 38618Tate County
Estimated valuepricier than$116,1767% of homes6% of homes
Price per ft²pricier than$743% of homes2% of homes
Living areabigger than1,561 ft²42% of homes38% of homes
Year builtnewer than19404% of homes5% of homes

About 490 Commerce St

How much is 490 Commerce St, Coldwater, MS worth?

The TopHap Estimate for 490 Commerce St, Coldwater, MS is $116,176 as of Sep 24, 2026. The likely range is $107,830 to $124,522. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 490 Commerce St, Coldwater, MS?

490 Commerce St, Coldwater, MS has 3 bedrooms and 1,561 square feet of living space.

When was 490 Commerce St, Coldwater, MS built?

490 Commerce St, Coldwater, MS was built in 1940, making it 86 years old.

How does 490 Commerce St, Coldwater, MS compare to other homes in Coldwater 38618?

Among the 4,744 homes in Coldwater 38618, it is worth more than 7% of them ($116,176 against a typical $251,349), its price per square foot is higher than 3% of them ($74 against a typical $142), it is bigger than 42% of them (1,561 ft² against a typical 1,707 ft²) and it is newer than 4% of them (1940 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 490 Commerce St, Coldwater, MS?

The 2025 property tax bill for 490 Commerce St, Coldwater, MS was $780. The county assessed it at $4,330.

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