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Single Family ResidenceResidential
$294,806$180 / 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 93How 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 $295,000 on Apr 15, 2026

446 ROSSER RD

MEMPHIS, TN 38120
3
Beds
2
Baths
1,642 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.
0.23 ac
Lot SizeThe size of the land the home sits on, from county records.
1956
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$295K
$274K low$316K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$295,000 · Apr 15, 2026
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.$29,306
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$23,445
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.90%
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.$265,500
SOUTHSTATE BANK NA · recorded Apr 15, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,133 (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.$79,300 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$12,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$67,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$64,975
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$317,200

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.14
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
38
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
33
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
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
StyleThe architectural style of the home, such as ranch or colonial.Traditional/Old
CountySHELBY
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.1988
Lot (acres)The size of the land the home sits on, from county records.0.23
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.No Foundation
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
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.Shed · 231 ft²Porch · 136 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.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
White Station Middle SchoolB+
Middle · Grades 6–8 · 0.5 mi
E
Richland Elementary SchoolA+
Elementary · Grades PK–5 · 0.6 mi
H
White Station High SchoolA
High · Grades 9–12 · 2.0 mi

District: Memphis-Shelby County Schools

Neighborhood · ZIP 38120These 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.61
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.101
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.242

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.37%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.6%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.5%
PopulationHow many people live in this area.13,160
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,377 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$136,784
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$200,386
Average tempThe average temperature here across a full year.61°F
Annual precipHow much rain and melted snow falls here in a typical year.54 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.64%

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

446 Rosser 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 76% of homes in Memphis 38120
  • Costs more per square foot than 91% of homes in Shelby County
  • Smaller than 80% of homes in Memphis 38120
  • Has a smaller lot than 69% of homes in Memphis 38120
  • Older than 87% of homes in Memphis 38120

What homes are worth in Memphis 38120

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

This home
$83K$1.7M

This home is worth more than 24% of homes in Memphis 38120.

How it measures up in Memphis 38120

The dot is this home. The mark in the middle is the typical home in Memphis 38120.

Estimated value$294,806
CheaperTypical $418,386Pricier

Pricier than 24% of homes nearby

Price per ft²$180
CheaperTypical $155Pricier

Pricier than 73% of homes nearby

Living area1,642 ft²
SmallerTypical 2,883 ft²Bigger

Bigger than 20% of homes nearby

Lot size0.23 ac
SmallerTypical 0.32 acBigger

Bigger than 31% of homes nearby

Year built1956
OlderTypical 1973Newer

Newer than 13% of homes nearby

How 446 Rosser Rd ranks against every home in each area.
MeasureThis homeMemphis 38120Shelby County
Estimated valuepricier than$294,80624% of homes69% of homes
Price per ft²pricier than$18073% of homes91% of homes
Living areabigger than1,642 ft²20% of homes48% of homes
Lot sizebigger than0.23 ac31% of homes47% of homes
Year builtnewer than195613% of homes27% of homes

About 446 Rosser Rd

How much is 446 Rosser Rd, Memphis, TN worth?

The TopHap Estimate for 446 Rosser Rd, Memphis, TN is $294,806 as of Jul 14, 2026. The likely range is $274,034 to $315,578. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 446 Rosser Rd, Memphis, TN last sell?

446 Rosser Rd, Memphis, TN last sold on Apr 15, 2026 for $295,000, according to the county's recorded deed. TopHap holds 6 recorded sales for this parcel.

How big is 446 Rosser Rd, Memphis, TN?

446 Rosser Rd, Memphis, TN has 3 bedrooms, 2 bathrooms, 1,642 square feet of living space and a 0.23-acre lot.

When was 446 Rosser Rd, Memphis, TN built?

446 Rosser Rd, Memphis, TN was built in 1956, making it 70 years old. It is a traditional/old home. The building has 1 story.

What schools serve 446 Rosser Rd, Memphis, TN?

446 Rosser Rd, Memphis, TN is assigned to White Station Middle School (middle), rated B+; Richland Elementary School (elementary), rated A+; White Station High School (high), rated A. All sit in Memphis-Shelby County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 446 Rosser Rd, Memphis, TN compare to other homes in Memphis 38120?

Among the 5,384 homes in Memphis 38120, it is worth more than 24% of them ($294,806 against a typical $418,386), its price per square foot is higher than 73% of them ($180 against a typical $155), it is bigger than 20% of them (1,642 ft² against a typical 2,883 ft²), its lot is bigger than 31% of them (0.23 ac against a typical 0.32 ac) and it is newer than 13% of them (1956 against a typical 1973). Measured against all of Shelby County, it is worth more than 69% 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 446 Rosser Rd, Memphis, TN?

The 2025 property tax bill for 446 Rosser Rd, Memphis, TN was $2,133. The county assessed it at $79,300.

Closest homes

More homes in Memphis 38120

Assigned schools

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