Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$257,271$123 / 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

138 SPENCER LN

ROCKWOOD, TN 37854
3
Baths
2,095 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.
0.68 ac
Lot SizeThe size of the land the home sits on, from county records.
1960
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$257K
$219K low$296K 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.$196,271
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$157,017
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.23%
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.$61,000
AMSOUTH BANK · E · recorded Jun 21, 2005

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.$76,250 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$4,975
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$71,275
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$41,850
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$305,000

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.1990
Lot (acres)The size of the land the home sits on, from county records.0.68
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
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 · 56 ft²Porch · 308 ft²

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

138 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.

  • Costs less per square foot than 84% of homes in Roane County
  • Bigger than 83% of homes in Rockwood 37854
  • Older than 74% 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
$56K$1.3M

This home is worth more than 60% 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$257,271
CheaperTypical $217,678Pricier

Pricier than 60% of homes nearby

Price per ft²$123
CheaperTypical $159Pricier

Pricier than 28% of homes nearby

Living area2,095 ft²
SmallerTypical 1,353 ft²Bigger

Bigger than 83% of homes nearby

Lot size0.68 ac
SmallerTypical 0.83 acBigger

Bigger than 44% of homes nearby

Year built1960
OlderTypical 1978Newer

Newer than 30% of homes nearby

How 138 Spencer Ln ranks against every home in each area.
MeasureThis homeRockwood 37854Roane County
Estimated valuepricier than$257,27160% of homes42% of homes
Price per ft²pricier than$12328% of homes16% of homes
Living areabigger than2,095 ft²83% of homes76% of homes
Lot sizebigger than0.68 ac44% of homes44% of homes
Year builtnewer than196030% of homes26% of homes

About 138 Spencer Ln

How much is 138 Spencer Ln, Rockwood, TN worth?

The TopHap Estimate for 138 Spencer Ln, Rockwood, TN is $257,271 as of Jul 14, 2026. The likely range is $218,963 to $295,579. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 138 Spencer Ln, Rockwood, TN?

138 Spencer Ln, Rockwood, TN has 3 bathrooms, 2,095 square feet of living space and a 0.68-acre lot.

When was 138 Spencer Ln, Rockwood, TN built?

138 Spencer Ln, Rockwood, TN was built in 1960, making it 66 years old. The building has 2 stories.

What schools serve 138 Spencer Ln, Rockwood, TN?

138 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 138 Spencer Ln, Rockwood, TN compare to other homes in Rockwood 37854?

Among the 5,760 homes in Rockwood 37854, it is worth more than 60% of them ($257,271 against a typical $217,678), its price per square foot is higher than 28% of them ($123 against a typical $159), it is bigger than 83% of them (2,095 ft² against a typical 1,353 ft²), its lot is bigger than 44% of them (0.68 ac against a typical 0.83 ac) and it is newer than 30% of them (1960 against a typical 1978). Measured against all of Roane County, it is worth more than 42% 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

Explore the area

See this home in context

Open 138 Spencer Ln on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map