Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$169,804$59 / 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 94How 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 $32,050 on May 20, 1992

4938 SPENCER RD

ROCK ISLAND, TN 38581
1
Baths
2,868 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.
7.47 ac
Lot SizeThe size of the land the home sits on, from county records.
1950
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$170K
$159K low$181K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$32,050 · May 20, 1992
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.$169,804
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$135,843

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$566 (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.$28,775 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$8,025
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$20,750
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$28,775
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$115,100

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.13 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
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.7.47
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Pier/Post & Beam
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.None
CoolingThe type of cooling or air conditioning in the home.None
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
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 · 548 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 · 2.3 mi
H
Warren County High SchoolB-
High · Grades 9–12 · 11.9 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

4938 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 67% of homes in Warren County
  • Costs less per square foot than 98% of homes in Warren County
  • Bigger than 96% of homes in Rock Island 38581
  • Has a bigger lot than 84% of homes in Warren County
  • Older than 89% 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
$52K$1.1M

This home is worth more than 38% 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$169,804
CheaperTypical $203,311Pricier

Pricier than 38% of homes nearby

Price per ft²$59
CheaperTypical $144Pricier

Pricier than 3% of homes nearby

Living area2,868 ft²
SmallerTypical 1,348 ft²Bigger

Bigger than 96% of homes nearby

Lot size7.47 ac
SmallerTypical 2.5 acBigger

Bigger than 74% of homes nearby

Year built1950
OlderTypical 1985Newer

Newer than 11% of homes nearby

How 4938 Spencer Rd ranks against every home in each area.
MeasureThis homeRock Island 38581Warren County
Estimated valuepricier than$169,80438% of homes33% of homes
Price per ft²pricier than$593% of homes2% of homes
Living areabigger than2,868 ft²96% of homes95% of homes
Lot sizebigger than7.47 ac74% of homes84% of homes
Year builtnewer than195011% of homes15% of homes

About 4938 Spencer Rd

How much is 4938 Spencer Rd, Rock Island, TN worth?

The TopHap Estimate for 4938 Spencer Rd, Rock Island, TN is $169,804 as of Jul 14, 2026. The likely range is $158,855 to $180,753. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4938 Spencer Rd, Rock Island, TN last sell?

4938 Spencer Rd, Rock Island, TN last sold on May 20, 1992 for $32,050, according to the county's recorded deed.

How big is 4938 Spencer Rd, Rock Island, TN?

4938 Spencer Rd, Rock Island, TN has 1 bathrooms, 2,868 square feet of living space and a 7.47-acre lot.

When was 4938 Spencer Rd, Rock Island, TN built?

4938 Spencer Rd, Rock Island, TN was built in 1950, making it 76 years old. The building has 2 stories.

What schools serve 4938 Spencer Rd, Rock Island, TN?

4938 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 4938 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 38% of them ($169,804 against a typical $203,311), its price per square foot is higher than 3% of them ($59 against a typical $144), it is bigger than 96% of them (2,868 ft² against a typical 1,348 ft²), its lot is bigger than 74% of them (7.47 ac against a typical 2.5 ac) and it is newer than 11% of them (1950 against a typical 1985). Measured against all of Warren County, it is worth more than 33% 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 4938 Spencer Rd, Rock Island, TN?

The 2024 property tax bill for 4938 Spencer Rd, Rock Island, TN was $566. The county assessed it at $28,775.

Closest homes

More homes in Rock Island 38581

Assigned schools

Explore the area

See this home in context

Open 4938 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