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Single Family ResidenceResidential
$242,992$213 / 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 $182,000 on Jul 18, 2023

150 RUFFNER RD

OLIVER SPRINGS, TN 37840
2
Baths
1,139 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.
1.62 ac
Lot SizeThe size of the land the home sits on, from county records.
1920
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$243K
$216K low$270K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$182,000 · Jul 18, 2023
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.$70,092
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$56,074
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.108%
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.$172,900
NEXBANK SSB · recorded Jul 18, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$675 (2022)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$24,825 (2023)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$4,825
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$20,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$24,825
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$99,300

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.163 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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
CountyMorgan
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.1993
Lot (acres)The size of the land the home sits on, from county records.1.62
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
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 144 ft²Shed · 408 ft²Patio · 144 ft²Porch · 72 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.

E
Coalfield SchoolC-
Elementary · Grades PK–12 · 0.3 mi

District: Morgan County School District

Neighborhood · ZIP 37840These 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.109
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.108
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.131

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.9.5%
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.1.1%
PopulationHow many people live in this area.10,372
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.102 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$56,972
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$82,262
Average tempThe average temperature here across a full year.55°F
Annual precipHow much rain and melted snow falls here in a typical year.60 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

150 Ruffner Rd 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 more per square foot than 75% of homes in Morgan County
  • Smaller than 67% of homes in Oliver Springs 37840
  • Has a bigger lot than 67% of homes in Oliver Springs 37840
  • Older than 97% of homes in Oliver Springs 37840

What homes are worth in Oliver Springs 37840

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

This home
$65K$676K

This home is worth more than 49% of homes in Oliver Springs 37840.

How it measures up in Oliver Springs 37840

The dot is this home. The mark in the middle is the typical home in Oliver Springs 37840.

Estimated value$242,992
CheaperTypical $245,591Pricier

Pricier than 49% of homes nearby

Price per ft²$213
CheaperTypical $182Pricier

Pricier than 72% of homes nearby

Living area1,139 ft²
SmallerTypical 1,332 ft²Bigger

Bigger than 33% of homes nearby

Lot size1.62 ac
SmallerTypical 1 acBigger

Bigger than 67% of homes nearby

Year built1920
OlderTypical 1979Newer

Newer than 3% of homes nearby

How 150 Ruffner Rd ranks against every home in each area.
MeasureThis homeOliver Springs 37840Morgan County
Estimated valuepricier than$242,99249% of homes58% of homes
Price per ft²pricier than$21372% of homes75% of homes
Living areabigger than1,139 ft²33% of homes38% of homes
Lot sizebigger than1.62 ac67% of homes44% of homes
Year builtnewer than19203% of homes3% of homes

About 150 Ruffner Rd

How much is 150 Ruffner Rd, Oliver Springs, TN worth?

The TopHap Estimate for 150 Ruffner Rd, Oliver Springs, TN is $242,992 as of Jul 14, 2026. The likely range is $215,999 to $269,985. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 150 Ruffner Rd, Oliver Springs, TN last sell?

150 Ruffner Rd, Oliver Springs, TN last sold on Jul 18, 2023 for $182,000, according to the county's recorded deed. TopHap holds 5 recorded sales for this parcel.

How big is 150 Ruffner Rd, Oliver Springs, TN?

150 Ruffner Rd, Oliver Springs, TN has 2 bathrooms, 1,139 square feet of living space and a 1.62-acre lot.

When was 150 Ruffner Rd, Oliver Springs, TN built?

150 Ruffner Rd, Oliver Springs, TN was built in 1920, making it 106 years old. The building has 1 story.

What schools serve 150 Ruffner Rd, Oliver Springs, TN?

150 Ruffner Rd, Oliver Springs, TN is assigned to Coalfield School (elementary), rated C-. All sit in Morgan County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 150 Ruffner Rd, Oliver Springs, TN compare to other homes in Oliver Springs 37840?

Among the 4,242 homes in Oliver Springs 37840, it is worth more than 49% of them ($242,992 against a typical $245,591), its price per square foot is higher than 72% of them ($213 against a typical $182), it is bigger than 33% of them (1,139 ft² against a typical 1,332 ft²), its lot is bigger than 67% of them (1.62 ac against a typical 1 ac) and it is newer than 3% of them (1920 against a typical 1979). Measured against all of Morgan County, it is worth more than 58% 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 150 Ruffner Rd, Oliver Springs, TN?

The 2022 property tax bill for 150 Ruffner Rd, Oliver Springs, TN was $675. The county assessed it at $24,825.

Closest homes

More homes in Oliver Springs 37840

Assigned schools

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