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Single Family ResidenceResidential
$106,006$192 / 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 Sep 24, 2026
Last sold for $69,000 on Jun 8, 2021

644 SPENCE LN

HILHAM, TN 38568
2
Baths
552 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.
1.57 ac
Lot SizeThe size of the land the home sits on, from county records.
2005
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$106K
$97K low$115K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$69,000 · Jun 8, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$317 (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.$12,175 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$2,150
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$10,025
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$12,175
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$48,700

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyClay
Lot (acres)The size of the land the home sits on, from county records.1.57
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.Metal
HeatingThe type of heating system in the home.None
CoolingThe type of cooling or air conditioning in the home.None
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

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
Celina K-8C-
Elementary · Grades PK–8 · 6.3 mi
H
Clay County Adult High School
High · Grades 9–12 · 6.8 mi

District: Clay County School District

Neighborhood · ZIP 38568These 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.126
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.103
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.49

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.85%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.5.7%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.22%
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.2,422
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.38 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$51,122
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$60,016
Average tempThe average temperature here across a full year.57°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.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

644 Spence 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 less than 88% of homes in Hilham 38568
  • Costs more per square foot than 75% of homes in Clay County
  • Smaller than 98% of homes in Clay County
  • Has a smaller lot than 72% of homes in Hilham 38568
  • Newer than 86% of homes in Clay County

What homes are worth in Hilham 38568

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

This home
$56K$694K

This home is worth more than 12% of homes in Hilham 38568.

How it measures up in Hilham 38568

The dot is this home. The mark in the middle is the typical home in Hilham 38568.

Estimated value$106,006
CheaperTypical $235,903Pricier

Pricier than 12% of homes nearby

Price per ft²$192
CheaperTypical $181Pricier

Pricier than 58% of homes nearby

Living area552 ft²
SmallerTypical 1,248 ft²Bigger

Bigger than 3% of homes nearby

Lot size1.57 ac
SmallerTypical 4.2 acBigger

Bigger than 28% of homes nearby

Year built2005
OlderTypical 1993Newer

Newer than 76% of homes nearby

How 644 Spence Ln ranks against every home in each area.
MeasureThis homeHilham 38568Clay County
Estimated valuepricier than$106,00612% of homes17% of homes
Price per ft²pricier than$19258% of homes75% of homes
Living areabigger than552 ft²3% of homes2% of homes
Lot sizebigger than1.57 ac28% of homes43% of homes
Year builtnewer than200576% of homes86% of homes

About 644 Spence Ln

How much is 644 Spence Ln, Hilham, TN worth?

The TopHap Estimate for 644 Spence Ln, Hilham, TN is $106,006 as of Sep 24, 2026. The likely range is $96,654 to $115,358. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 644 Spence Ln, Hilham, TN last sell?

644 Spence Ln, Hilham, TN last sold on Jun 8, 2021 for $69,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 644 Spence Ln, Hilham, TN?

644 Spence Ln, Hilham, TN has 2 bathrooms, 552 square feet of living space and a 1.57-acre lot.

When was 644 Spence Ln, Hilham, TN built?

644 Spence Ln, Hilham, TN was built in 2005, making it 21 years old. The building has 2 stories.

What schools serve 644 Spence Ln, Hilham, TN?

644 Spence Ln, Hilham, TN is assigned to Celina K-8 (elementary), rated C-; Clay County Adult High School (high). All sit in Clay County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 644 Spence Ln, Hilham, TN compare to other homes in Hilham 38568?

Among the 1,039 homes in Hilham 38568, it is worth more than 12% of them ($106,006 against a typical $235,903), its price per square foot is higher than 58% of them ($192 against a typical $181), it is bigger than 3% of them (552 ft² against a typical 1,248 ft²), its lot is bigger than 28% of them (1.57 ac against a typical 4.2 ac) and it is newer than 76% of them (2005 against a typical 1993). Measured against all of Clay County, it is worth more than 17% 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 644 Spence Ln, Hilham, TN?

The 2024 property tax bill for 644 Spence Ln, Hilham, TN was $317. The county assessed it at $12,175.

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