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Single Family ResidenceResidential
$150,163$101 / 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 85How 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 $79,900 on Jul 21, 2017

4434 SPENCER RD

ROCK ISLAND, TN 38581
2 / 1
Baths
1,488 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.
0.34 ac
Lot SizeThe size of the land the home sits on, from county records.
1973
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$150K
$128K low$173K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$79,900 · Jul 21, 2017
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.$69,456
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$55,565
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.46%
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.$80,707
FIRST NAT'L BK/MIDDLE TN · recorded Jul 21, 2017

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$466 (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.$23,700 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$1,375
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$22,325
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$23,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$94,800

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.23 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
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.1983
Lot (acres)The size of the land the home sits on, from county records.0.34
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, Attached
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 · 120 ft²Porch · 192 ft²

Transaction History(6)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Foreclosure Filings(1)

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 · 1.9 mi
H
Warren County High SchoolB-
High · Grades 9–12 · 11.4 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

4434 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 74% of homes in Warren County
  • Costs less per square foot than 85% of homes in Warren County
  • Has a smaller lot than 97% of homes in Rock Island 38581
  • Older than 69% 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 29% 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$150,163
CheaperTypical $203,477Pricier

Pricier than 29% of homes nearby

Price per ft²$101
CheaperTypical $144Pricier

Pricier than 18% of homes nearby

Living area1,488 ft²
SmallerTypical 1,350 ft²Bigger

Bigger than 60% of homes nearby

Lot size0.34 ac
SmallerTypical 2.5 acBigger

Bigger than 3% of homes nearby

Year built1973
OlderTypical 1984Newer

Newer than 31% of homes nearby

How 4434 Spencer Rd ranks against every home in each area.
MeasureThis homeRock Island 38581Warren County
Estimated valuepricier than$150,16329% of homes26% of homes
Price per ft²pricier than$10118% of homes15% of homes
Living areabigger than1,488 ft²60% of homes55% of homes
Lot sizebigger than0.34 ac3% of homes13% of homes
Year builtnewer than197331% of homes41% of homes

About 4434 Spencer Rd

How much is 4434 Spencer Rd, Rock Island, TN worth?

The TopHap Estimate for 4434 Spencer Rd, Rock Island, TN is $150,163 as of Jul 14, 2026. The likely range is $127,695 to $172,631. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4434 Spencer Rd, Rock Island, TN last sell?

4434 Spencer Rd, Rock Island, TN last sold on Jul 21, 2017 for $79,900, according to the county's recorded deed. TopHap holds 6 recorded sales for this parcel.

How big is 4434 Spencer Rd, Rock Island, TN?

4434 Spencer Rd, Rock Island, TN has 2 bathrooms, 1,488 square feet of living space and a 0.34-acre lot.

When was 4434 Spencer Rd, Rock Island, TN built?

4434 Spencer Rd, Rock Island, TN was built in 1973, making it 53 years old. The building has 1 story.

What schools serve 4434 Spencer Rd, Rock Island, TN?

4434 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 4434 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 29% of them ($150,163 against a typical $203,477), its price per square foot is higher than 18% of them ($101 against a typical $144), it is bigger than 60% of them (1,488 ft² against a typical 1,350 ft²), its lot is bigger than 3% of them (0.34 ac against a typical 2.5 ac) and it is newer than 31% of them (1973 against a typical 1984). Measured against all of Warren County, it is worth more than 26% 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 4434 Spencer Rd, Rock Island, TN?

The 2024 property tax bill for 4434 Spencer Rd, Rock Island, TN was $466. The county assessed it at $23,700.

Closest homes

More homes in Rock Island 38581

Assigned schools

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