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Rural ResidenceResidential
$557,641$340 / 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 76How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $350,000 on Jun 12, 2014

190 EARLS LOOP

SPENCER, TN 38585
1
Baths
1,638 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.
110 ac
Lot SizeThe size of the land the home sits on, from county records.
1940
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$558K
$422K low$694K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$350,000 · Jun 12, 2014

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,147 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$89,475 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$50,950
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$38,525
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$89,475
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$554,300

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.66
100
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
34
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
87
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
97
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
12
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.197 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.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Rural Residence
CountyVAN BUREN
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.1963
Lot (acres)The size of the land the home sits on, from county records.110.00
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.None
CoolingThe type of cooling or air conditioning in the home.None
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, 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 · 240 ft²Shed · 2,220 ft²Porch · 267 ft²

Transaction History(1)

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
Spencer Elementary SchoolB
Elementary · Grades PK–5 · 6.9 mi
M
Van Buren County High SchoolB
Middle · Grades 6–12 · 6.9 mi

District: Van Buren County School District

Neighborhood · ZIP 38585These 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.106
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.121
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.76

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.5.6%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.17%
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.5,489
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.30 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$48,476
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$62,214
Average tempThe average temperature here across a full year.56°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%

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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

190 Earls Loop 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 96% of homes in Spencer 38585
  • Costs more per square foot than 97% of homes in Spencer 38585
  • Bigger than 69% of homes in Spencer 38585
  • Has a bigger lot than 98% of homes in Spencer 38585
  • Older than 96% of homes in Spencer 38585

What homes are worth in Spencer 38585

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

This home
$33K$696K

This home is worth more than 96% of homes in Spencer 38585.

How it measures up in Spencer 38585

The dot is this home. The mark in the middle is the typical home in Spencer 38585.

Estimated value$557,641
CheaperTypical $168,214Pricier

Pricier than 96% of homes nearby

Price per ft²$340
CheaperTypical $146Pricier

Pricier than 97% of homes nearby

Living area1,638 ft²
SmallerTypical 1,316 ft²Bigger

Bigger than 69% of homes nearby

Lot size110 ac
SmallerTypical 2.39 acBigger

Bigger than 98% of homes nearby

Year built1940
OlderTypical 1991Newer

Newer than 4% of homes nearby

How 190 Earls Loop ranks against every home in each area.
MeasureThis homeSpencer 38585Van Buren County
Estimated valuepricier than$557,64196% of homes93% of homes
Price per ft²pricier than$34097% of homes95% of homes
Living areabigger than1,638 ft²69% of homes67% of homes
Lot sizebigger than110 ac98% of homes98% of homes
Year builtnewer than19404% of homes5% of homes

About 190 Earls Loop

How much is 190 Earls Loop, Spencer, TN worth?

The TopHap Estimate for 190 Earls Loop, Spencer, TN is $557,641 as of Aug 30, 2026. The likely range is $421,618 to $693,664. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 190 Earls Loop, Spencer, TN last sell?

190 Earls Loop, Spencer, TN last sold on Jun 12, 2014 for $350,000, according to the county's recorded deed.

How big is 190 Earls Loop, Spencer, TN?

190 Earls Loop, Spencer, TN has 1 bathrooms, 1,638 square feet of living space and a 110.00-acre lot.

When was 190 Earls Loop, Spencer, TN built?

190 Earls Loop, Spencer, TN was built in 1940, making it 86 years old. The building has 2 stories.

What schools serve 190 Earls Loop, Spencer, TN?

190 Earls Loop, Spencer, TN is assigned to Spencer Elementary School (elementary), rated B; Van Buren County High School (middle), rated B. All sit in Van Buren County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 190 Earls Loop, Spencer, TN compare to other homes in Spencer 38585?

Among the 2,407 homes in Spencer 38585, it is worth more than 96% of them ($557,641 against a typical $168,214), its price per square foot is higher than 97% of them ($340 against a typical $146), it is bigger than 69% of them (1,638 ft² against a typical 1,316 ft²), its lot is bigger than 98% of them (110 ac against a typical 2.39 ac) and it is newer than 4% of them (1940 against a typical 1991). Measured against all of Van Buren County, it is worth more than 93% 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 190 Earls Loop, Spencer, TN?

The 2025 property tax bill for 190 Earls Loop, Spencer, TN was $2,147. The county assessed it at $89,475.

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Assigned schools

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