Skip to content
Skip to content
TopHapOpen in map
Rural ResidenceResidential
$560,706$362 / 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 97How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jun 25, 2026
Last sold for $388,000 on Jan 8, 2020

3120 RIVER RD

ASHLAND CITY, TN 37015
1
Baths
1,550 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.
47.13 ac
Lot SizeThe size of the land the home sits on, from county records.
1900
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$561K
$543K low$578K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$388,000 · Jan 8, 2020
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.$250,306
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$200,245
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.55%
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.$310,400
FARM CREDIT SVCS · recorded Jan 8, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,263 (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.$65,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$23,750
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$41,750
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$65,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$531,200

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.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
CountyCheatham
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.1987
Lot (acres)The size of the land the home sits on, from county records.47.13
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.Metal
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Package
FireplaceWhether the home has a fireplace, and what kind.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 24 ft²Patio · 24 ft²Porch · 540 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
Peagram Elementary Fine Arts Magnet SchoolB-
Elementary · Grades PK–4 · 7.7 mi
M
Harpeth Middle SchoolC-
Middle · Grades 5–8 · 9.4 mi
H
Harpeth High SchoolA-
High · Grades 9–12 · 9.5 mi

District: Cheatham County School District

Neighborhood · ZIP 37015These 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.120
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.96
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.65

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.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.15%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.8%
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.19,109
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.122 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$70,445
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$91,878
Average tempThe average temperature here across a full year.58°F
Annual precipHow much rain and melted snow falls here in a typical year.52 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.56%

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

3120 River 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 more than 87% of homes in Ashland City 37015
  • Costs more per square foot than 94% of homes in Ashland City 37015
  • Has a bigger lot than 98% of homes in Cheatham County
  • Older than 98% of homes in Ashland City 37015

What homes are worth in Ashland City 37015

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

This home
$132K$942K

This home is worth more than 87% of homes in Ashland City 37015.

How it measures up in Ashland City 37015

The dot is this home. The mark in the middle is the typical home in Ashland City 37015.

Estimated value$560,706
CheaperTypical $346,021Pricier

Pricier than 87% of homes nearby

Price per ft²$362
CheaperTypical $245Pricier

Pricier than 94% of homes nearby

Living area1,550 ft²
SmallerTypical 1,400 ft²Bigger

Bigger than 61% of homes nearby

Lot size47.13 ac
SmallerTypical 1.5 acBigger

Bigger than 97% of homes nearby

Year built1900
OlderTypical 1990Newer

Newer than 2% of homes nearby

How 3120 River Rd ranks against every home in each area.
MeasureThis homeAshland City 37015Cheatham County
Estimated valuepricier than$560,70687% of homes82% of homes
Price per ft²pricier than$36294% of homes93% of homes
Living areabigger than1,550 ft²61% of homes53% of homes
Lot sizebigger than47.13 ac97% of homes98% of homes
Year builtnewer than19002% of homes2% of homes

About 3120 River Rd

How much is 3120 River Rd, Ashland City, TN worth?

The TopHap Estimate for 3120 River Rd, Ashland City, TN is $560,706 as of Jun 25, 2026. The likely range is $543,406 to $578,006. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3120 River Rd, Ashland City, TN last sell?

3120 River Rd, Ashland City, TN last sold on Jan 8, 2020 for $388,000, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 3120 River Rd, Ashland City, TN?

3120 River Rd, Ashland City, TN has 1 bathrooms, 1,550 square feet of living space and a 47.13-acre lot.

When was 3120 River Rd, Ashland City, TN built?

3120 River Rd, Ashland City, TN was built in 1900, making it 126 years old. The building has 2 stories.

What schools serve 3120 River Rd, Ashland City, TN?

3120 River Rd, Ashland City, TN is assigned to Peagram Elementary Fine Arts Magnet School (elementary), rated B-; Harpeth Middle School (middle), rated C-; Harpeth High School (high), rated A-. All sit in Cheatham County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3120 River Rd, Ashland City, TN compare to other homes in Ashland City 37015?

Among the 7,991 homes in Ashland City 37015, it is worth more than 87% of them ($560,706 against a typical $346,021), its price per square foot is higher than 94% of them ($362 against a typical $245), it is bigger than 61% of them (1,550 ft² against a typical 1,400 ft²), its lot is bigger than 97% of them (47.13 ac against a typical 1.5 ac) and it is newer than 2% of them (1900 against a typical 1990). Measured against all of Cheatham County, it is worth more than 82% 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 3120 River Rd, Ashland City, TN?

The 2025 property tax bill for 3120 River Rd, Ashland City, TN was $1,263. The county assessed it at $65,500.

Closest homes

More homes in Ashland City 37015

Assigned schools

Explore the area

See this home in context

Open 3120 River Rd 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