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Single Family ResidenceResidential
$176,878$87 / 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 92How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

513 E SPECK AVE

MONTEREY, TN 38574
1
Baths
2,028 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.
0.76 ac
Lot SizeThe size of the land the home sits on, from county records.
1974
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$177K
$163K low$191K high

Tax & Assessment

Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$25,425 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$3,375
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$22,050
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$25,425
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$101,700

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.9 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
CountyPUTNAM
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.1984
Lot (acres)The size of the land the home sits on, from county records.0.76
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
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.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.DeckPatio · 384 ft²Porch · 504 ft²

Transaction History(3)

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
Monterey High SchoolB-
Middle · Grades 7–12 · 0.2 mi
E
Burks Elementary SchoolB
Elementary · Grades PK–6 · 0.5 mi

District: Putnam County School District

Neighborhood · ZIP 38574These 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.142
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.106
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.65

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.90%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.13%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.20%
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.9,826
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.57 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$51,551
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$65,309
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.59 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

513 E Speck Ave 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 89% of homes in Putnam County
  • Among the lowest price per square foot in Putnam County
  • Bigger than 78% of homes in Monterey 38574
  • Has a smaller lot than 77% of homes in Monterey 38574
  • Older than 74% of homes in Monterey 38574

What homes are worth in Monterey 38574

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

This home
$54K$794K

This home is worth more than 30% of homes in Monterey 38574.

How it measures up in Monterey 38574

The dot is this home. The mark in the middle is the typical home in Monterey 38574.

Estimated value$176,878
CheaperTypical $257,521Pricier

Pricier than 30% of homes nearby

Price per ft²$87
CheaperTypical $172Pricier

Pricier than 6% of homes nearby

Living area2,028 ft²
SmallerTypical 1,496 ft²Bigger

Bigger than 78% of homes nearby

Lot size0.76 ac
SmallerTypical 2.6 acBigger

Bigger than 23% of homes nearby

Year built1974
OlderTypical 1993Newer

Newer than 26% of homes nearby

How 513 E Speck Ave ranks against every home in each area.
MeasureThis homeMonterey 38574Putnam County
Estimated valuepricier than$176,87830% of homes11% of homes
Price per ft²pricier than$876% of homesalmost no homes
Living areabigger than2,028 ft²78% of homes72% of homes
Lot sizebigger than0.76 ac23% of homes56% of homes
Year builtnewer than197426% of homes27% of homes

About 513 E Speck Ave

How much is 513 E Speck Ave, Monterey, TN worth?

The TopHap Estimate for 513 E Speck Ave, Monterey, TN is $176,878 as of Sep 24, 2026. The likely range is $162,536 to $191,220. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 513 E Speck Ave, Monterey, TN last sell?

513 E Speck Ave, Monterey, TN last sold on Jun 9, 2009, according to the county's recorded deed.

How big is 513 E Speck Ave, Monterey, TN?

513 E Speck Ave, Monterey, TN has 1 bathrooms, 2,028 square feet of living space and a 0.76-acre lot.

When was 513 E Speck Ave, Monterey, TN built?

513 E Speck Ave, Monterey, TN was built in 1974, making it 52 years old. The building has 1 story.

What schools serve 513 E Speck Ave, Monterey, TN?

513 E Speck Ave, Monterey, TN is assigned to Monterey High School (middle), rated B-; Burks Elementary School (elementary), rated B. All sit in Putnam County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 513 E Speck Ave, Monterey, TN compare to other homes in Monterey 38574?

Among the 3,759 homes in Monterey 38574, it is worth more than 30% of them ($176,878 against a typical $257,521), its price per square foot is higher than 6% of them ($87 against a typical $172), it is bigger than 78% of them (2,028 ft² against a typical 1,496 ft²), its lot is bigger than 23% of them (0.76 ac against a typical 2.6 ac) and it is newer than 26% of them (1974 against a typical 1993). Measured against all of Putnam County, it is worth more than 11% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

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