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Single Family ResidenceResidential
$395,600$179 / 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 89How 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
Last sold for $219,999 on Aug 2, 2021

108 SPENCER LN

ROCKWOOD, TN 37854
5
Baths
2,214 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.
1.51 ac
Lot SizeThe size of the land the home sits on, from county records.
1971
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$396K
$353K low$438K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$219,999 · Aug 2, 2021
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.$219,601
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$175,681
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.47%
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.$175,999
PENTAGON FCU · recorded Aug 2, 2021

Tax & Assessment

Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$93,975 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$8,325
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$85,650
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$56,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$375,900

Climate Risk

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.6%
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
CountyRoane
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1985
Lot (acres)The size of the land the home sits on, from county records.1.51
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Footing
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Package
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Finished
PoolWhether the property has a pool, and what kind, such as in-ground.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 372 ft²Porch · 472 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.

M
Rockwood Middle SchoolC-
Middle · Grades 6–8 · 1.9 mi
H
Rockwood High SchoolC
High · Grades 9–12 · 1.9 mi
E
Ridge View Elementary SchoolB-
Elementary · Grades PK–5 · 2.3 mi

District: Roane County School District

Neighborhood · ZIP 37854These 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.114
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.106
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.121

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.88%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.7.4%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.16%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.12,947
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.83 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$54,393
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$73,174
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.61 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.57%

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

108 Spencer Ln 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 80% of homes in Rockwood 37854
  • Bigger than 86% of homes in Rockwood 37854
  • Has a bigger lot than 69% of homes in Rockwood 37854
  • Older than 65% of homes in Roane County

What homes are worth in Rockwood 37854

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

This home
$55K$1.2M

This home is worth more than 80% of homes in Rockwood 37854.

How it measures up in Rockwood 37854

The dot is this home. The mark in the middle is the typical home in Rockwood 37854.

Estimated value$395,600
CheaperTypical $218,049Pricier

Pricier than 80% of homes nearby

Price per ft²$179
CheaperTypical $159Pricier

Pricier than 60% of homes nearby

Living area2,214 ft²
SmallerTypical 1,358 ft²Bigger

Bigger than 86% of homes nearby

Lot size1.51 ac
SmallerTypical 0.82 acBigger

Bigger than 69% of homes nearby

Year built1971
OlderTypical 1978Newer

Newer than 39% of homes nearby

How 108 Spencer Ln ranks against every home in each area.
MeasureThis homeRockwood 37854Roane County
Estimated valuepricier than$395,60080% of homes69% of homes
Price per ft²pricier than$17960% of homes45% of homes
Living areabigger than2,214 ft²86% of homes79% of homes
Lot sizebigger than1.51 ac69% of homes69% of homes
Year builtnewer than197139% of homes35% of homes

About 108 Spencer Ln

How much is 108 Spencer Ln, Rockwood, TN worth?

The TopHap Estimate for 108 Spencer Ln, Rockwood, TN is $395,600 as of Jul 14, 2026. The likely range is $353,065 to $438,135. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 108 Spencer Ln, Rockwood, TN last sell?

108 Spencer Ln, Rockwood, TN last sold on Aug 2, 2021 for $219,999, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 108 Spencer Ln, Rockwood, TN?

108 Spencer Ln, Rockwood, TN has 5 bathrooms, 2,214 square feet of living space and a 1.51-acre lot.

When was 108 Spencer Ln, Rockwood, TN built?

108 Spencer Ln, Rockwood, TN was built in 1971, making it 55 years old. The building has 1 story.

What schools serve 108 Spencer Ln, Rockwood, TN?

108 Spencer Ln, Rockwood, TN is assigned to Rockwood Middle School (middle), rated C-; Rockwood High School (high), rated C; Ridge View Elementary School (elementary), rated B-. All sit in Roane County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 108 Spencer Ln, Rockwood, TN compare to other homes in Rockwood 37854?

Among the 5,760 homes in Rockwood 37854, it is worth more than 80% of them ($395,600 against a typical $218,049), its price per square foot is higher than 60% of them ($179 against a typical $159), it is bigger than 86% of them (2,214 ft² against a typical 1,358 ft²), its lot is bigger than 69% of them (1.51 ac against a typical 0.82 ac) and it is newer than 39% of them (1971 against a typical 1978). Measured against all of Roane County, it is worth more than 69% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

Closest homes

More homes in Rockwood 37854

Assigned schools

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