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Single Family ResidenceResidential
$955,234$266 / 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 85How 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

12012 WATER RIDGE DR

OXFORD, MS 38655
4
Beds
3
Baths
3,595 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.
0.71 ac
Lot SizeThe size of the land the home sits on, from county records.
2014
Year BuiltThe year the home was originally built, according to county records.
2
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

$955K
$815K low$1.1M 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.$91,734
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$73,387
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.84%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$863,500
GUARANTY BANK & TRUST CO · recorded Feb 13, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,736 (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.$60,674 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$60,674
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$606,740

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.45
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.
93
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
85
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
6
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
CountyLafayette
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.Asphalt
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes

Transaction History(2)

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
Bramlett Elementary SchoolA
Elementary · Grades KG–1 · 5.5 mi
M
Oxford Middle SchoolB-
Middle · Grades 7–8 · 5.6 mi
H
Oxford High SchoolA
High · Grades 9–12 · 6.7 mi

District: Oxford School District

Neighborhood · ZIP 38655These 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.94
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.96
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.90

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.76%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.24%
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.0.6%
PopulationHow many people live in this area.48,766
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.122 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$67,204
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$91,404
Average tempThe average temperature here across a full year.61°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.64%

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

12012 Water Ridge Dr 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 94% of homes in Lafayette County
  • Costs more per square foot than 78% of homes in Lafayette County
  • Bigger than 93% of homes in Oxford 38655
  • Newer than 84% of homes in Lafayette County

What homes are worth in Oxford 38655

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

This home
$164K$1.6M

This home is worth more than 93% of homes in Oxford 38655.

How it measures up in Oxford 38655

The dot is this home. The mark in the middle is the typical home in Oxford 38655.

Estimated value$955,234
CheaperTypical $402,530Pricier

Pricier than 93% of homes nearby

Price per ft²$266
CheaperTypical $214Pricier

Pricier than 76% of homes nearby

Living area3,595 ft²
SmallerTypical 1,815 ft²Bigger

Bigger than 93% of homes nearby

Lot size0.71 ac
SmallerTypical 0.35 acBigger

Bigger than 64% of homes nearby

Year built2014
OlderTypical 2001Newer

Newer than 83% of homes nearby

How 12012 Water Ridge Dr ranks against every home in each area.
MeasureThis homeOxford 38655Lafayette County
Estimated valuepricier than$955,23493% of homes94% of homes
Price per ft²pricier than$26676% of homes78% of homes
Living areabigger than3,595 ft²93% of homes93% of homes
Lot sizebigger than0.71 ac64% of homes57% of homes
Year builtnewer than201483% of homes84% of homes

About 12012 Water Ridge Dr

How much is 12012 Water Ridge Dr, Oxford, MS worth?

The TopHap Estimate for 12012 Water Ridge Dr, Oxford, MS is $955,234 as of Jul 14, 2026. The likely range is $814,936 to $1,095,532. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 12012 Water Ridge Dr, Oxford, MS last sell?

12012 Water Ridge Dr, Oxford, MS last sold on Feb 13, 2026, according to the county's recorded deed.

How big is 12012 Water Ridge Dr, Oxford, MS?

12012 Water Ridge Dr, Oxford, MS has 4 bedrooms, 3 bathrooms and 3,595 square feet of living space.

When was 12012 Water Ridge Dr, Oxford, MS built?

12012 Water Ridge Dr, Oxford, MS was built in 2014, making it 12 years old. The building has 2 stories.

What schools serve 12012 Water Ridge Dr, Oxford, MS?

12012 Water Ridge Dr, Oxford, MS is assigned to Bramlett Elementary School (elementary), rated A; Oxford Middle School (middle), rated B-; Oxford High School (high), rated A. All sit in Oxford School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 12012 Water Ridge Dr, Oxford, MS compare to other homes in Oxford 38655?

Among the 19,355 homes in Oxford 38655, it is worth more than 93% of them ($955,234 against a typical $402,530), its price per square foot is higher than 76% of them ($266 against a typical $214), it is bigger than 93% of them (3,595 ft² against a typical 1,815 ft²), its lot is bigger than 64% of them (0.71 ac against a typical 0.35 ac) and it is newer than 83% of them (2014 against a typical 2001). Measured against all of Lafayette County, it is worth more than 94% 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 12012 Water Ridge Dr, Oxford, MS?

The 2025 property tax bill for 12012 Water Ridge Dr, Oxford, MS was $5,736. The county assessed it at $60,674.

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Closest homes

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Assigned schools

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