Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$132,209$124 / 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 77How 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

3984 SPENCER RD

ROCK ISLAND, TN 38581
1
Baths
1,066 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.
3.5 ac
Lot SizeThe size of the land the home sits on, from county records.
1965
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

$132K
$102K low$163K 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.$72,209
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$57,767
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.43%
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.$60,000
MTL INC · recorded Sep 15, 2011

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$486 (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.$24,675 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$5,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$19,175
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$24,675
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$98,700

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.36 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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
CountyWarren
Lot (acres)The size of the land the home sits on, from county records.3.50
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.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
GarageWhether the property has a garage, and details like whether it is attached to the home.Mixed
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.Porch · 568 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
Eastside Elementary SchoolB+
Elementary · Grades PK–8 · 1.8 mi
H
Warren County High SchoolB-
High · Grades 9–12 · 11.0 mi

District: Warren County School District

Neighborhood · ZIP 38581These 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.113
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.119
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.66

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.8.5%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
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.4,656
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.45 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$52,854
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$61,454
Average tempThe average temperature here across a full year.57°F
Annual precipHow much rain and melted snow falls here in a typical year.57 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

3984 Spencer 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 81% of homes in Warren County
  • Costs less per square foot than 69% of homes in Warren County
  • Smaller than 80% of homes in Warren County
  • Has a bigger lot than 72% of homes in Warren County
  • Older than 81% of homes in Rock Island 38581

What homes are worth in Rock Island 38581

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

This home
$51K$1M

This home is worth more than 23% of homes in Rock Island 38581.

How it measures up in Rock Island 38581

The dot is this home. The mark in the middle is the typical home in Rock Island 38581.

Estimated value$132,209
CheaperTypical $203,477Pricier

Pricier than 23% of homes nearby

Price per ft²$124
CheaperTypical $144Pricier

Pricier than 32% of homes nearby

Living area1,066 ft²
SmallerTypical 1,350 ft²Bigger

Bigger than 23% of homes nearby

Lot size3.5 ac
SmallerTypical 2.5 acBigger

Bigger than 56% of homes nearby

Year built1965
OlderTypical 1984Newer

Newer than 19% of homes nearby

How 3984 Spencer Rd ranks against every home in each area.
MeasureThis homeRock Island 38581Warren County
Estimated valuepricier than$132,20923% of homes19% of homes
Price per ft²pricier than$12432% of homes31% of homes
Living areabigger than1,066 ft²23% of homes20% of homes
Lot sizebigger than3.5 ac56% of homes72% of homes
Year builtnewer than196519% of homes32% of homes

About 3984 Spencer Rd

How much is 3984 Spencer Rd, Rock Island, TN worth?

The TopHap Estimate for 3984 Spencer Rd, Rock Island, TN is $132,209 as of Jul 14, 2026. The likely range is $101,804 to $162,614. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3984 Spencer Rd, Rock Island, TN last sell?

3984 Spencer Rd, Rock Island, TN last sold on Aug 20, 2004, according to the county's recorded deed.

How big is 3984 Spencer Rd, Rock Island, TN?

3984 Spencer Rd, Rock Island, TN has 1 bathrooms, 1,066 square feet of living space and a 3.50-acre lot.

When was 3984 Spencer Rd, Rock Island, TN built?

3984 Spencer Rd, Rock Island, TN was built in 1965, making it 61 years old. The building has 1 story.

What schools serve 3984 Spencer Rd, Rock Island, TN?

3984 Spencer Rd, Rock Island, TN is assigned to Eastside Elementary School (elementary), rated B+; Warren County High School (high), rated B-. All sit in Warren County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3984 Spencer Rd, Rock Island, TN compare to other homes in Rock Island 38581?

Among the 2,130 homes in Rock Island 38581, it is worth more than 23% of them ($132,209 against a typical $203,477), its price per square foot is higher than 32% of them ($124 against a typical $144), it is bigger than 23% of them (1,066 ft² against a typical 1,350 ft²), its lot is bigger than 56% of them (3.5 ac against a typical 2.5 ac) and it is newer than 19% of them (1965 against a typical 1984). Measured against all of Warren County, it is worth more than 19% 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 3984 Spencer Rd, Rock Island, TN?

The 2024 property tax bill for 3984 Spencer Rd, Rock Island, TN was $486. The county assessed it at $24,675.

Closest homes

More homes in Rock Island 38581

Assigned schools

Explore the area

See this home in context

Open 3984 Spencer 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