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Single Family ResidenceResidential
$195,949$194 / 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 79How 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

160 RUFFNER RD

OLIVER SPRINGS, TN 37840
2
Baths
1,012 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.
1.5 ac
Lot SizeThe size of the land the home sits on, from county records.
1990
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$196K
$155K low$237K 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.$141,949
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$113,559
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.30%
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.$54,000
BANK OF AMERICA NA · recorded Jan 10, 2008

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$647 (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.$23,800 (2023)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$4,525
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$19,275
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$23,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$95,200

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.170 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.1.50
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
GarageWhether the property has a garage, and details like whether it is attached to the home.Carport (Unspecified)
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 · 80 ft²Shed · 120 ft²Patio · 80 ft²Porch · 28 ft²

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

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

160 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.

  • Worth less than 66% of homes in Oliver Springs 37840
  • Costs more per square foot than 66% of homes in Morgan County
  • Smaller than 76% of homes in Oliver Springs 37840
  • Has a bigger lot than 66% of homes in Oliver Springs 37840
  • Newer than 68% 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
$64K$650K

This home is worth more than 34% 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$195,949
CheaperTypical $245,580Pricier

Pricier than 34% of homes nearby

Price per ft²$194
CheaperTypical $182Pricier

Pricier than 58% of homes nearby

Living area1,012 ft²
SmallerTypical 1,331 ft²Bigger

Bigger than 24% of homes nearby

Lot size1.5 ac
SmallerTypical 1 acBigger

Bigger than 66% of homes nearby

Year built1990
OlderTypical 1979Newer

Newer than 68% of homes nearby

How 160 Ruffner Rd ranks against every home in each area.
MeasureThis homeOliver Springs 37840Morgan County
Estimated valuepricier than$195,94934% of homes42% of homes
Price per ft²pricier than$19458% of homes66% of homes
Living areabigger than1,012 ft²24% of homes28% of homes
Lot sizebigger than1.5 ac66% of homes44% of homes
Year builtnewer than199068% of homes57% of homes

About 160 Ruffner Rd

How much is 160 Ruffner Rd, Oliver Springs, TN worth?

The TopHap Estimate for 160 Ruffner Rd, Oliver Springs, TN is $195,949 as of Jul 14, 2026. The likely range is $154,783 to $237,115. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 160 Ruffner Rd, Oliver Springs, TN last sell?

160 Ruffner Rd, Oliver Springs, TN last sold on Jan 10, 2008, according to the county's recorded deed.

How big is 160 Ruffner Rd, Oliver Springs, TN?

160 Ruffner Rd, Oliver Springs, TN has 2 bathrooms, 1,012 square feet of living space and a 1.50-acre lot.

When was 160 Ruffner Rd, Oliver Springs, TN built?

160 Ruffner Rd, Oliver Springs, TN was built in 1990, making it 36 years old. The building has 1 story.

What schools serve 160 Ruffner Rd, Oliver Springs, TN?

160 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 160 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 34% of them ($195,949 against a typical $245,580), its price per square foot is higher than 58% of them ($194 against a typical $182), it is bigger than 24% of them (1,012 ft² against a typical 1,331 ft²), its lot is bigger than 66% of them (1.5 ac against a typical 1 ac) and it is newer than 68% of them (1990 against a typical 1979). Measured against all of Morgan 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.

What are the property taxes on 160 Ruffner Rd, Oliver Springs, TN?

The 2022 property tax bill for 160 Ruffner Rd, Oliver Springs, TN was $647. The county assessed it at $23,800.

Closest homes

More homes in Oliver Springs 37840

Assigned schools

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