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Single Family ResidenceResidential
$299,829$181 / 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 96How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026
Last sold for $273,000 on Nov 21, 2022

3974 STEPHENS RD NE

CLEVELAND, TN 37312
2
Beds
2
Baths
1,655 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.
0.51 ac
Lot SizeThe size of the land the home sits on, from county records.
2022
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$300K
$287K low$313K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$273,000 · Nov 21, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$786 (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.$54,600 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$4,250
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$50,350
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$54,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$218,400

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.46
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
24
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.
92
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
27
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

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
CountyBradley
Lot (acres)The size of the land the home sits on, from county records.0.51
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
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 165 ft²Porch · 40 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
Donald P. Yates Primary School
Elementary · Grades KG–2 · 1.8 mi
H
Cleveland High SchoolB+
High · Grades 9–12 · 1.9 mi
M
Cleveland Middle SchoolD
Middle · Grades 6–8 · 3.3 mi

District: Cleveland City School District

Neighborhood · ZIP 37312These 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.98
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.124
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.154

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.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.20%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.10%
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.36,572
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.579 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$72,208
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$91,681
Average tempThe average temperature here across a full year.58°F
Annual precipHow much rain and melted snow falls here in a typical year.56 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

3974 Stephens Rd Ne 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.

  • Newer than 97% of homes in Cleveland 37312

What homes are worth in Cleveland 37312

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

This home
$139K$866K

This home is worth more than 40% of homes in Cleveland 37312.

How it measures up in Cleveland 37312

The dot is this home. The mark in the middle is the typical home in Cleveland 37312.

Estimated value$299,829
CheaperTypical $329,633Pricier

Pricier than 40% of homes nearby

Price per ft²$181
CheaperTypical $190Pricier

Pricier than 39% of homes nearby

Living area1,655 ft²
SmallerTypical 1,716 ft²Bigger

Bigger than 47% of homes nearby

Lot size0.51 ac
SmallerTypical 0.49 acBigger

Bigger than 51% of homes nearby

Year built2022
OlderTypical 1989Newer

Newer than 97% of homes nearby

How 3974 Stephens Rd Ne ranks against every home in each area.
MeasureThis homeCleveland 37312Bradley County
Estimated valuepricier than$299,82940% of homes55% of homes
Price per ft²pricier than$18139% of homes46% of homes
Living areabigger than1,655 ft²47% of homes60% of homes
Lot sizebigger than0.51 ac51% of homes44% of homes
Year builtnewer than202297% of homes97% of homes

About 3974 Stephens Rd Ne

How much is 3974 Stephens Rd Ne, Cleveland, TN worth?

The TopHap Estimate for 3974 Stephens Rd Ne, Cleveland, TN is $299,829 as of Oct 21, 2026. The likely range is $287,092 to $312,566. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3974 Stephens Rd Ne, Cleveland, TN last sell?

3974 Stephens Rd Ne, Cleveland, TN last sold on Nov 21, 2022 for $273,000, according to the county's recorded deed.

How big is 3974 Stephens Rd Ne, Cleveland, TN?

3974 Stephens Rd Ne, Cleveland, TN has 2 bedrooms, 2 bathrooms, 1,655 square feet of living space and a 0.51-acre lot.

When was 3974 Stephens Rd Ne, Cleveland, TN built?

3974 Stephens Rd Ne, Cleveland, TN was built in 2022, making it 4 years old. The building has 2 stories.

What schools serve 3974 Stephens Rd Ne, Cleveland, TN?

3974 Stephens Rd Ne, Cleveland, TN is assigned to Donald P. Yates Primary School (elementary); Cleveland High School (high), rated B+; Cleveland Middle School (middle), rated D. All sit in Cleveland City School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3974 Stephens Rd Ne, Cleveland, TN compare to other homes in Cleveland 37312?

Among the 13,650 homes in Cleveland 37312, it is worth more than 40% of them ($299,829 against a typical $329,633), its price per square foot is higher than 39% of them ($181 against a typical $190), it is bigger than 47% of them (1,655 ft² against a typical 1,716 ft²), its lot is bigger than 51% of them (0.51 ac against a typical 0.49 ac) and it is newer than 97% of them (2022 against a typical 1989). Measured against all of Bradley County, it is worth more than 55% 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 3974 Stephens Rd Ne, Cleveland, TN?

The 2024 property tax bill for 3974 Stephens Rd Ne, Cleveland, TN was $786. The county assessed it at $54,600.

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