Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$26,541$19 / 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 49How 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
Last sold for $2,000 on Dec 11, 2008

640 STEPHENS ST

MONTGOMERY, AL 36108
1
Baths
1,418 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.
0.19 ac
Lot SizeThe size of the land the home sits on, from county records.
1936
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

$27K
$13K low$40K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$2,000 · Dec 11, 2008

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$402 (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.$9,920 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$600
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$9,320
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$9,920
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$49,600

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.57
85
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
23
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.
71
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
9
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.57 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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
CountyMontgomery
Lot (acres)The size of the land the home sits on, from county records.0.19
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.Gravity
FireplaceWhether the home has a fireplace, and what kind.Yes
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 · 104 ft²

Transaction History(5)

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
Nixon Elementary SchoolF
Elementary · Grades KG–5 · 0.6 mi
H
Carver High SchoolF
High · Grades 9–12 · 0.6 mi
M
Bellingrath Middle SchoolF
Middle · Grades 6–8 · 0.7 mi

District: Montgomery County School District

Neighborhood · ZIP 36108These 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.135
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.69
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.35

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.80%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.8.1%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.34%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.6%
PopulationHow many people live in this area.16,504
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.210 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$34,068
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$46,530
Average tempThe average temperature here across a full year.65°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.59%

Owner Tools

Do you own this home?
Claim this home

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

640 Stephens 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 96% of homes in Montgomery County
  • Costs less per square foot than 98% of homes in Montgomery County
  • Smaller than 66% of homes in Montgomery County
  • Has a bigger lot than 84% of homes in Rosa Parks
  • Older than 94% of homes in Montgomery County

What homes are worth in Montgomery 36108

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

This home
$14K$247K

This home is worth more than 16% of homes in Montgomery 36108.

How it measures up in Montgomery 36108

The dot is this home. The mark in the middle is the typical home in Montgomery 36108.

Estimated value$26,541
CheaperTypical $63,754Pricier

Pricier than 16% of homes nearby

Price per ft²$19
CheaperTypical $49Pricier

Pricier than 7% of homes nearby

Living area1,418 ft²
SmallerTypical 1,254 ft²Bigger

Bigger than 65% of homes nearby

Lot size0.19 ac
SmallerTypical 0.19 acBigger

Bigger than 45% of homes nearby

Year built1936
OlderTypical 1967Newer

Newer than 9% of homes nearby

How 640 Stephens St ranks against every home in each area.
MeasureThis homeRosa ParksMontgomery 36108Montgomery County
Estimated valuepricier than$26,54136% of homes16% of homes4% of homes
Price per ft²pricier than$1925% of homes7% of homes2% of homes
Living areabigger than1,418 ft²63% of homes65% of homes34% of homes
Lot sizebigger than0.19 ac84% of homes45% of homes31% of homes
Year builtnewer than193637% of homes9% of homes6% of homes

About 640 Stephens St

How much is 640 Stephens St, Montgomery, AL worth?

The TopHap Estimate for 640 Stephens St, Montgomery, AL is $26,541 as of Sep 24, 2026. The likely range is $12,922 to $40,160. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 640 Stephens St, Montgomery, AL last sell?

640 Stephens St, Montgomery, AL last sold on Dec 11, 2008 for $2,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 640 Stephens St, Montgomery, AL?

640 Stephens St, Montgomery, AL has 1 bathrooms, 1,418 square feet of living space and a 0.19-acre lot.

When was 640 Stephens St, Montgomery, AL built?

640 Stephens St, Montgomery, AL was built in 1936, making it 90 years old. The building has 1 story.

What schools serve 640 Stephens St, Montgomery, AL?

640 Stephens St, Montgomery, AL is assigned to Nixon Elementary School (elementary), rated F; Carver High School (high), rated F; Bellingrath Middle School (middle), rated F. All sit in Montgomery County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 640 Stephens St, Montgomery, AL compare to other homes in Montgomery 36108?

Among the 7,131 homes in Montgomery 36108, it is worth more than 16% of them ($26,541 against a typical $63,754), its price per square foot is higher than 7% of them ($19 against a typical $49), it is bigger than 65% of them (1,418 ft² against a typical 1,254 ft²), its lot is bigger than 45% of them (0.19 ac against a typical 0.19 ac) and it is newer than 9% of them (1936 against a typical 1967). Measured against all of Montgomery County, it is worth more than 4% 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 640 Stephens St, Montgomery, AL?

The 2025 property tax bill for 640 Stephens St, Montgomery, AL was $402. The county assessed it at $9,920.

More homes on Stephens St

Closest homes

More homes in Montgomery 36108

Assigned schools

Explore the area

See this home in context

Open 640 Stephens St on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map