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Single Family ResidenceResidential
$89,578$189 / 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 60How 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

WATERFORD, MS 38685
1
Baths
475 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.
14 ac
Lot SizeThe size of the land the home sits on, from county records.
1987
Year BuiltThe year the home was originally built, according to county records.
4
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$90K
$54K low$125K 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.$89,578
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$71,662

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$195 (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.$1,849 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$1,656
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$12,320

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.53
42
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
43
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
93
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
87
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
3
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.9 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
CountyLafayette
Lot (acres)The size of the land the home sits on, from county records.14.00
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Pier/Post & Beam
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.None
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

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
Lafayette Elementary SchoolA
Elementary · Grades PK–2 · 16.0 mi
H
Lafayette High SchoolB+
High · Grades 9–12 · 16.1 mi
M
Lafayette Middle SchoolA
Middle · Grades 7–8 · 16.1 mi

District: Lafayette County School District

Neighborhood · ZIP 38685These 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.128
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.94
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.101

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.6.1%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.21%
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.1,635
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.18 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$49,648
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$73,920
Average tempThe average temperature here across a full year.61°F
Annual precipHow much rain and melted snow falls here in a typical year.57 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.64%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.No

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

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.

  • Among the least valuable homes in Lafayette County
  • Costs more per square foot than 89% of homes in Waterford 38685
  • Among the smallest homes in Lafayette County
  • Has a bigger lot than 94% of homes in Lafayette County
  • Older than 67% of homes in Lafayette County

What homes are worth in Waterford 38685

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

This home
$68K$518K

This home is worth more than 6% of homes in Waterford 38685.

How it measures up in Waterford 38685

The dot is this home. The mark in the middle is the typical home in Waterford 38685.

Estimated value$89,578
CheaperTypical $172,148Pricier

Pricier than 6% of homes nearby

Price per ft²$189
CheaperTypical $125Pricier

Pricier than 89% of homes nearby

Living area475 ft²
SmallerTypical 1,339 ft²Bigger

Bigger than 3% of homes nearby

Lot size14 ac
SmallerTypical 3.7 acBigger

Bigger than 77% of homes nearby

Year built1987
OlderTypical 1989Newer

Newer than 47% of homes nearby

How ranks against every home in each area.
MeasureThis homeWaterford 38685Lafayette County
Estimated valuepricier than$89,5786% of homesalmost no homes
Price per ft²pricier than$18989% of homes35% of homes
Living areabigger than475 ft²3% of homesalmost no homes
Lot sizebigger than14 ac77% of homes94% of homes
Year builtnewer than198747% of homes33% of homes

About

How much is , Waterford, MS worth?

The TopHap Estimate for , Waterford, MS is $89,578 as of Jul 14, 2026. The likely range is $54,005 to $125,151. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is , Waterford, MS?

, Waterford, MS has 1 bathrooms, 475 square feet of living space and a 14.00-acre lot.

When was , Waterford, MS built?

, Waterford, MS was built in 1987, making it 39 years old.

What schools serve , Waterford, MS?

, Waterford, MS is assigned to Lafayette Elementary School (elementary), rated A; Lafayette High School (high), rated B+; Lafayette Middle School (middle), rated A. All sit in Lafayette County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does , Waterford, MS compare to other homes in Waterford 38685?

Among the 757 homes in Waterford 38685, it is worth more than 6% of them ($89,578 against a typical $172,148), its price per square foot is higher than 89% of them ($189 against a typical $125), it is bigger than 3% of them (475 ft² against a typical 1,339 ft²), its lot is bigger than 77% of them (14 ac against a typical 3.7 ac) and it is newer than 47% of them (1987 against a typical 1989). Measured against all of Lafayette County, it is worth more than almost no 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 , Waterford, MS?

The 2025 property tax bill for , Waterford, MS was $195. The county assessed it at $1,849.

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Assigned schools

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