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Rural ResidenceResidential
$320,865$112 / 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 91How 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 $130,000 on Feb 12, 2021

5366 SPENCER RD

ROCK ISLAND, TN 38581
3
Baths
2,857 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.
215 ac
Lot SizeThe size of the land the home sits on, from county records.
1979
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$321K
$292K low$350K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$130,000 · Feb 12, 2021
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.$189,008
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$151,206
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.29%
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.$131,857
HOMELAND COMMUNITY BANK · recorded Feb 12, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,759 (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.$140,225 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$81,275
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$58,950
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$140,225
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$988,300

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.172 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.Rural Residence
CountyWarren
Lot (acres)The size of the land the home sits on, from county records.215.00
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.Yes
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, Finished
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 · 1,764 ft²Patio · 558 ft²Porch · 202 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.

E
Eastside Elementary SchoolB+
Elementary · Grades PK–8 · 2.9 mi
H
Warren County High SchoolB-
High · Grades 9–12 · 12.5 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

5366 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 more than 78% of homes in Warren County
  • Costs less per square foot than 78% of homes in Warren County
  • Bigger than 95% of homes in Rock Island 38581
  • Among the largest lots in Warren County

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$1.3M

This home is worth more than 77% 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$320,865
CheaperTypical $204,602Pricier

Pricier than 77% of homes nearby

Price per ft²$112
CheaperTypical $144Pricier

Pricier than 25% of homes nearby

Living area2,857 ft²
SmallerTypical 1,350 ft²Bigger

Bigger than 95% of homes nearby

Lot size215 ac
SmallerTypical 2.5 acBigger

Bigger than almost all homes nearby

Year built1979
OlderTypical 1984Newer

Newer than 45% of homes nearby

How 5366 Spencer Rd ranks against every home in each area.
MeasureThis homeRock Island 38581Warren County
Estimated valuepricier than$320,86577% of homes78% of homes
Price per ft²pricier than$11225% of homes22% of homes
Living areabigger than2,857 ft²95% of homes95% of homes
Lot sizebigger than215 acalmost all homesalmost all homes
Year builtnewer than197945% of homes52% of homes

About 5366 Spencer Rd

How much is 5366 Spencer Rd, Rock Island, TN worth?

The TopHap Estimate for 5366 Spencer Rd, Rock Island, TN is $320,865 as of Jul 14, 2026. The likely range is $291,580 to $350,150. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 5366 Spencer Rd, Rock Island, TN last sell?

5366 Spencer Rd, Rock Island, TN last sold on Feb 12, 2021 for $130,000, according to the county's recorded deed.

How big is 5366 Spencer Rd, Rock Island, TN?

5366 Spencer Rd, Rock Island, TN has 3 bathrooms, 2,857 square feet of living space and a 215.00-acre lot.

When was 5366 Spencer Rd, Rock Island, TN built?

5366 Spencer Rd, Rock Island, TN was built in 1979, making it 47 years old. The building has 1 story.

What schools serve 5366 Spencer Rd, Rock Island, TN?

5366 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 5366 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 77% of them ($320,865 against a typical $204,602), its price per square foot is higher than 25% of them ($112 against a typical $144), it is bigger than 95% of them (2,857 ft² against a typical 1,350 ft²), its lot is bigger than almost all of them (215 ac against a typical 2.5 ac) and it is newer than 45% of them (1979 against a typical 1984). Measured against all of Warren County, it is worth more than 78% 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 5366 Spencer Rd, Rock Island, TN?

The 2024 property tax bill for 5366 Spencer Rd, Rock Island, TN was $2,759. The county assessed it at $140,225.

Closest homes

More homes in Rock Island 38581

Assigned schools

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