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Single Family ResidenceResidential
$292,110$115 / 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 83How 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

640 SPEARS TRCE

RAYMOND, MS 39154
3
Beds
3
Baths
2,533 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.
1986
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$292K
$243K low$341K 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.$292,110
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$233,688

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,020 (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.$17,403 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$3,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$14,403
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$15,484
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$159,030

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.49
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
37
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.
83
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
26
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

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
CountyHinds
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Raised (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes

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

M
Byram Middle SchoolD-
Middle · Grades 6–8 · 6.6 mi
E
Gary Road Elementary SchoolD
Elementary · Grades PK–2 · 6.8 mi
H
Terry High SchoolC+
High · Grades 9–12 · 13.2 mi

District: Hinds County School District

Neighborhood · ZIP 39154These 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.74
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.97
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.39

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.91%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.21%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.8%
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.8,545
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.75 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$79,770
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$92,998
Average tempThe average temperature here across a full year.65°F
Annual precipHow much rain and melted snow falls here in a typical year.58 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.61%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
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

640 Spears Trce 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 84% of homes in Hinds County
  • Costs more per square foot than 73% of homes in Hinds County
  • Bigger than 83% of homes in Hinds County
  • Newer than 76% of homes in Hinds County

What homes are worth in Raymond 39154

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

This home
$103K$692K

This home is worth more than 57% of homes in Raymond 39154.

How it measures up in Raymond 39154

The dot is this home. The mark in the middle is the typical home in Raymond 39154.

Estimated value$292,110
CheaperTypical $270,972Pricier

Pricier than 57% of homes nearby

Price per ft²$115
CheaperTypical $124Pricier

Pricier than 38% of homes nearby

Living area2,533 ft²
SmallerTypical 2,088 ft²Bigger

Bigger than 68% of homes nearby

Year built1986
OlderTypical 1990Newer

Newer than 44% of homes nearby

How 640 Spears Trce ranks against every home in each area.
MeasureThis homeRaymond 39154Hinds County
Estimated valuepricier than$292,11057% of homes84% of homes
Price per ft²pricier than$11538% of homes73% of homes
Living areabigger than2,533 ft²68% of homes83% of homes
Year builtnewer than198644% of homes76% of homes

About 640 Spears Trce

How much is 640 Spears Trce, Raymond, MS worth?

The TopHap Estimate for 640 Spears Trce, Raymond, MS is $292,110 as of Jul 14, 2026. The likely range is $243,313 to $340,907. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 640 Spears Trce, Raymond, MS last sell?

640 Spears Trce, Raymond, MS last sold on Sep 26, 1985, according to the county's recorded deed.

How big is 640 Spears Trce, Raymond, MS?

640 Spears Trce, Raymond, MS has 3 bedrooms, 3 bathrooms and 2,533 square feet of living space.

When was 640 Spears Trce, Raymond, MS built?

640 Spears Trce, Raymond, MS was built in 1986, making it 40 years old. The building has 2 stories.

What schools serve 640 Spears Trce, Raymond, MS?

640 Spears Trce, Raymond, MS is assigned to Byram Middle School (middle), rated D-; Gary Road Elementary School (elementary), rated D; Terry High School (high), rated C+. All sit in Hinds County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 640 Spears Trce, Raymond, MS compare to other homes in Raymond 39154?

Among the 3,288 homes in Raymond 39154, it is worth more than 57% of them ($292,110 against a typical $270,972), its price per square foot is higher than 38% of them ($115 against a typical $124), it is bigger than 68% of them (2,533 ft² against a typical 2,088 ft²) and it is newer than 44% of them (1986 against a typical 1990). Measured against all of Hinds County, it is worth more than 84% 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 Spears Trce, Raymond, MS?

The 2025 property tax bill for 640 Spears Trce, Raymond, MS was $1,020. The county assessed it at $17,403.

Closest homes

More homes in Raymond 39154

Assigned schools

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