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Single Family ResidenceResidential
$408,622$154 / 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 91How 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

646 INDEPENDENCE RD

COLDWATER, MS 38618
3
Beds
0
Baths
2,656 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.
5 ac
Lot SizeThe size of the land the home sits on, from county records.
1991
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

$409K
$371K low$446K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,764 (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.$16,866 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$1,858
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$15,008
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$16,866
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$168,295

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.
42
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.
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.
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
Lot (acres)The size of the land the home sits on, from county records.5.00
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Mat/Raft Foundation (Slab)
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.None
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.Shed · 696 ft²Patio · 360 ft²

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Independence High SchoolD-
Middle · Grades 7–12 · 3.0 mi
E
East Tate Elementary SchoolC
Elementary · Grades KG–6 · 3.6 mi

District: Tate County School District

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

646 Independence Rd 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 more than 87% of homes in Tate County
  • Costs more per square foot than 74% of homes in Tate County
  • Bigger than 85% of homes in Coldwater 38618
  • Has a bigger lot than 70% of homes in Tate County

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
$82K$632K

This home is worth more than 83% 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$408,622
CheaperTypical $251,507Pricier

Pricier than 83% of homes nearby

Price per ft²$154
CheaperTypical $141Pricier

Pricier than 65% of homes nearby

Living area2,656 ft²
SmallerTypical 1,701 ft²Bigger

Bigger than 85% of homes nearby

Lot size5 ac
SmallerTypical 3.1 acBigger

Bigger than 68% of homes nearby

Year built1991
OlderTypical 1989Newer

Newer than 53% of homes nearby

How 646 Independence Rd ranks against every home in each area.
MeasureThis homeColdwater 38618Tate County
Estimated valuepricier than$408,62283% of homes87% of homes
Price per ft²pricier than$15465% of homes74% of homes
Living areabigger than2,656 ft²85% of homes84% of homes
Lot sizebigger than5 ac68% of homes70% of homes
Year builtnewer than199153% of homes51% of homes

About 646 Independence Rd

How much is 646 Independence Rd, Coldwater, MS worth?

The TopHap Estimate for 646 Independence Rd, Coldwater, MS is $408,622 as of Sep 24, 2026. The likely range is $370,764 to $446,480. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 646 Independence Rd, Coldwater, MS?

646 Independence Rd, Coldwater, MS has 3 bedrooms, 2,656 square feet of living space and a 5.00-acre lot.

When was 646 Independence Rd, Coldwater, MS built?

646 Independence Rd, Coldwater, MS was built in 1991, making it 35 years old.

What schools serve 646 Independence Rd, Coldwater, MS?

646 Independence Rd, Coldwater, MS is assigned to Independence High School (middle), rated D-; East Tate Elementary School (elementary), rated C. All sit in Tate County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 646 Independence Rd, Coldwater, MS compare to other homes in Coldwater 38618?

Among the 4,744 homes in Coldwater 38618, it is worth more than 83% of them ($408,622 against a typical $251,507), its price per square foot is higher than 65% of them ($154 against a typical $141), it is bigger than 85% of them (2,656 ft² against a typical 1,701 ft²), its lot is bigger than 68% of them (5 ac against a typical 3.1 ac) and it is newer than 53% of them (1991 against a typical 1989). Measured against all of Tate County, it is worth more than 87% 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 646 Independence Rd, Coldwater, MS?

The 2025 property tax bill for 646 Independence Rd, Coldwater, MS was $1,764. The county assessed it at $16,866.

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