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Single Family ResidenceResidential
$307,028$203 / 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 92How 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 $300,000 on Dec 31, 2025

195 HOWARD CIR

DAYTON, TN 37321
2
Baths
1,514 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.
0.72 ac
Lot SizeThe size of the land the home sits on, from county records.
2005
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

$307K
$284K low$330K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$300,000 · Dec 31, 2025
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.$127,028
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$101,622
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.59%
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.$180,000
NOVUS HOME MORTGAGE · recorded Dec 31, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$800 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$59,300 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$10,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$49,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$59,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$237,200

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyRhea
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.Garage, Finished
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.Patio · 160 ft²Porch · 262 ft²

Transaction History(7)

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
Rhea Middle SchoolB-
Middle · Grades 6–8 · 2.8 mi
H
Rhea County High SchoolC
High · Grades 9–12 · 3.0 mi
E
Frazier Elementary SchoolB+
Elementary · Grades KG–5 · 6.1 mi

District: Rhea County School District

Neighborhood · ZIP 37321These 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.114
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.130

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.89%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.11%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.13%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.20,706
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.171 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$63,363
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$73,427
Average tempThe average temperature here across a full year.58°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

195 Howard Cir 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 69% of homes in Dayton 37321
  • Newer than 82% of homes in Rhea County

What homes are worth in Dayton 37321

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

This home
$58K$806K

This home is worth more than 63% of homes in Dayton 37321.

How it measures up in Dayton 37321

The dot is this home. The mark in the middle is the typical home in Dayton 37321.

Estimated value$307,028
CheaperTypical $260,930Pricier

Pricier than 63% of homes nearby

Price per ft²$203
CheaperTypical $176Pricier

Pricier than 69% of homes nearby

Living area1,514 ft²
SmallerTypical 1,450 ft²Bigger

Bigger than 56% of homes nearby

Lot size0.72 ac
SmallerTypical 0.8 acBigger

Bigger than 46% of homes nearby

Year built2005
OlderTypical 1989Newer

Newer than 80% of homes nearby

How 195 Howard Cir ranks against every home in each area.
MeasureThis homeDayton 37321Rhea County
Estimated valuepricier than$307,02863% of homes63% of homes
Price per ft²pricier than$20369% of homes67% of homes
Living areabigger than1,514 ft²56% of homes58% of homes
Lot sizebigger than0.72 ac46% of homes44% of homes
Year builtnewer than200580% of homes82% of homes

About 195 Howard Cir

How much is 195 Howard Cir, Dayton, TN worth?

The TopHap Estimate for 195 Howard Cir, Dayton, TN is $307,028 as of Jul 14, 2026. The likely range is $283,769 to $330,287. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 195 Howard Cir, Dayton, TN last sell?

195 Howard Cir, Dayton, TN last sold on Dec 31, 2025 for $300,000, according to the county's recorded deed. TopHap holds 5 recorded sales for this parcel.

How big is 195 Howard Cir, Dayton, TN?

195 Howard Cir, Dayton, TN has 2 bathrooms and 1,514 square feet of living space.

When was 195 Howard Cir, Dayton, TN built?

195 Howard Cir, Dayton, TN was built in 2005, making it 21 years old. The building has 1 story.

What schools serve 195 Howard Cir, Dayton, TN?

195 Howard Cir, Dayton, TN is assigned to Rhea Middle School (middle), rated B-; Rhea County High School (high), rated C; Frazier Elementary School (elementary), rated B+. All sit in Rhea County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 195 Howard Cir, Dayton, TN compare to other homes in Dayton 37321?

Among the 7,711 homes in Dayton 37321, it is worth more than 63% of them ($307,028 against a typical $260,930), its price per square foot is higher than 69% of them ($203 against a typical $176), it is bigger than 56% of them (1,514 ft² against a typical 1,450 ft²), its lot is bigger than 46% of them (0.72 ac against a typical 0.8 ac) and it is newer than 80% of them (2005 against a typical 1989). Measured against all of Rhea County, it is worth more than 63% 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 195 Howard Cir, Dayton, TN?

The 2024 property tax bill for 195 Howard Cir, Dayton, TN was $800. The county assessed it at $59,300.

Closest homes

More homes in Dayton 37321

Assigned schools

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