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Single Family ResidenceResidential
$340,002$195 / 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 97How 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 $186,000 on Dec 20, 2018

640 RICHARDS LN

WHITWELL, TN 37397
2
Baths
1,742 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.
0.91 ac
Lot SizeThe size of the land the home sits on, from county records.
2018
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$340K
$329K low$351K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$186,000 · Dec 20, 2018
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.$79,617
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$63,694
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.73%
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.$181,885
CALIBER HOME LOANS INC · E · recorded Mar 10, 2021
2nd 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.$78,500
LENDAGE LLC

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.$55,450 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$3,450
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$52,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$55,450
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$221,800

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyMarion
Lot (acres)The size of the land the home sits on, from county records.0.91
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
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.Deck · 80 ft²Porch · 160 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
Whitwell Elementary SchoolC+
Elementary · Grades PK–4 · 2.7 mi
H
Whitwell High SchoolB-
High · Grades 9–12 · 2.8 mi
M
Whitwell Middle SchoolB+
Middle · Grades 5–8 · 2.9 mi

District: Marion County School District

Neighborhood · ZIP 37397These 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.110
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.126
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.116

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.87%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.9.9%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.14%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.11,535
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.76 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$57,736
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$70,359
Average tempThe average temperature here across a full year.58°F
Annual precipHow much rain and melted snow falls here in a typical year.60 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

640 Richards Ln 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 80% of homes in Whitwell 37397
  • Costs more per square foot than 75% of homes in Whitwell 37397
  • Bigger than 76% of homes in Whitwell 37397
  • Newer than 97% of homes in Whitwell 37397

What homes are worth in Whitwell 37397

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

This home
$61K$720K

This home is worth more than 80% of homes in Whitwell 37397.

How it measures up in Whitwell 37397

The dot is this home. The mark in the middle is the typical home in Whitwell 37397.

Estimated value$340,002
CheaperTypical $211,787Pricier

Pricier than 80% of homes nearby

Price per ft²$195
CheaperTypical $155Pricier

Pricier than 75% of homes nearby

Living area1,742 ft²
SmallerTypical 1,316 ft²Bigger

Bigger than 76% of homes nearby

Lot size0.91 ac
SmallerTypical 1.3 acBigger

Bigger than 36% of homes nearby

Year built2018
OlderTypical 1987Newer

Newer than 97% of homes nearby

How 640 Richards Ln ranks against every home in each area.
MeasureThis homeWhitwell 37397Marion County
Estimated valuepricier than$340,00280% of homes70% of homes
Price per ft²pricier than$19575% of homes64% of homes
Living areabigger than1,742 ft²76% of homes69% of homes
Lot sizebigger than0.91 ac36% of homes42% of homes
Year builtnewer than201897% of homes93% of homes

About 640 Richards Ln

How much is 640 Richards Ln, Whitwell, TN worth?

The TopHap Estimate for 640 Richards Ln, Whitwell, TN is $340,002 as of Jul 14, 2026. The likely range is $328,879 to $351,125. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 640 Richards Ln, Whitwell, TN last sell?

640 Richards Ln, Whitwell, TN last sold on Dec 20, 2018 for $186,000, according to the county's recorded deed.

How big is 640 Richards Ln, Whitwell, TN?

640 Richards Ln, Whitwell, TN has 2 bathrooms, 1,742 square feet of living space and a 0.91-acre lot.

When was 640 Richards Ln, Whitwell, TN built?

640 Richards Ln, Whitwell, TN was built in 2018, making it 8 years old. The building has 1 story.

What schools serve 640 Richards Ln, Whitwell, TN?

640 Richards Ln, Whitwell, TN is assigned to Whitwell Elementary School (elementary), rated C+; Whitwell High School (high), rated B-; Whitwell Middle School (middle), rated B+. All sit in Marion County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 640 Richards Ln, Whitwell, TN compare to other homes in Whitwell 37397?

Among the 4,478 homes in Whitwell 37397, it is worth more than 80% of them ($340,002 against a typical $211,787), its price per square foot is higher than 75% of them ($195 against a typical $155), it is bigger than 76% of them (1,742 ft² against a typical 1,316 ft²), its lot is bigger than 36% of them (0.91 ac against a typical 1.3 ac) and it is newer than 97% of them (2018 against a typical 1987). Measured against all of Marion County, it is worth more than 70% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

More homes on Richards Ln

Closest homes

More homes in Whitwell 37397

Assigned schools

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