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Single Family ResidenceResidential
$415,856$233 / 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 95How 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 $355,000 on Aug 17, 2022

124 SPENCER LN

ROCKWOOD, TN 37854
3
Baths
1,785 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.
0.46 ac
Lot SizeThe size of the land the home sits on, from county records.
2018
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$416K
$394K 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.$355,000 · Aug 17, 2022
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.$186,919
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$149,535
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.52%
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.$228,937
FREEDOM MORTGAGE CORP · recorded Aug 17, 2022

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.$82,450 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$4,450
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$78,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$44,350
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$329,800

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyRoane
Lot (acres)The size of the land the home sits on, from county records.0.46
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.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 424 ft²

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.

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 · 2.2 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

124 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 81% of homes in Rockwood 37854
  • Costs more per square foot than 79% of homes in Rockwood 37854
  • Bigger than 73% of homes in Rockwood 37854
  • Has a smaller lot than 72% of homes in Roane County
  • Newer than 95% of homes in Rockwood 37854

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
$56K$1.3M

This home is worth more than 81% 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$415,856
CheaperTypical $217,678Pricier

Pricier than 81% of homes nearby

Price per ft²$233
CheaperTypical $159Pricier

Pricier than 79% of homes nearby

Living area1,785 ft²
SmallerTypical 1,353 ft²Bigger

Bigger than 73% of homes nearby

Lot size0.46 ac
SmallerTypical 0.83 acBigger

Bigger than 30% of homes nearby

Year built2018
OlderTypical 1978Newer

Newer than 95% of homes nearby

How 124 Spencer Ln ranks against every home in each area.
MeasureThis homeRockwood 37854Roane County
Estimated valuepricier than$415,85681% of homes73% of homes
Price per ft²pricier than$23379% of homes75% of homes
Living areabigger than1,785 ft²73% of homes64% of homes
Lot sizebigger than0.46 ac30% of homes28% of homes
Year builtnewer than201895% of homes92% of homes

About 124 Spencer Ln

How much is 124 Spencer Ln, Rockwood, TN worth?

The TopHap Estimate for 124 Spencer Ln, Rockwood, TN is $415,856 as of Jul 14, 2026. The likely range is $393,636 to $438,076. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 124 Spencer Ln, Rockwood, TN last sell?

124 Spencer Ln, Rockwood, TN last sold on Aug 17, 2022 for $355,000, according to the county's recorded deed.

How big is 124 Spencer Ln, Rockwood, TN?

124 Spencer Ln, Rockwood, TN has 3 bathrooms, 1,785 square feet of living space and a 0.46-acre lot.

When was 124 Spencer Ln, Rockwood, TN built?

124 Spencer Ln, Rockwood, TN was built in 2018, making it 8 years old. The building has 2 stories.

What schools serve 124 Spencer Ln, Rockwood, TN?

124 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 124 Spencer Ln, Rockwood, TN compare to other homes in Rockwood 37854?

Among the 5,760 homes in Rockwood 37854, it is worth more than 81% of them ($415,856 against a typical $217,678), its price per square foot is higher than 79% of them ($233 against a typical $159), it is bigger than 73% of them (1,785 ft² against a typical 1,353 ft²), its lot is bigger than 30% of them (0.46 ac against a typical 0.83 ac) and it is newer than 95% of them (2018 against a typical 1978). Measured against all of Roane County, it is worth more than 73% 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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