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Single Family ResidenceResidential
$209,591$198 / 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 75How 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

645 CALVERT RIDGE RD

WESTMORELAND, TN 37186
1
Baths
1,056 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.
5.15 ac
Lot SizeThe size of the land the home sits on, from county records.
1940
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

$210K
$158K low$261K high
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.$103,296
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$82,637
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.52%
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.$101,750
ROCKET MORTGAGE LLC · recorded Sep 9, 2022
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.$4,545
ROCKET MORTGAGE LLC

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$864 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$60,800 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$33,075
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$27,725
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$60,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$243,200

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.56
43
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
27
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
88
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
94
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
30
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.10 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%

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
CountySumner
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.1988
Lot (acres)The size of the land the home sits on, from county records.5.15
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.Yes
CoolingThe type of cooling or air conditioning in the home.Package
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.Deck · 190 ft²Patio · 190 ft²Porch · 60 ft²

Transaction History(5)

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
Westmoreland Middle SchoolB
Middle · Grades 6–8 · 4.3 mi
E
Westmoreland Elementary SchoolC+
Elementary · Grades PK–5 · 4.4 mi
H
Westmoreland High SchoolB+
High · Grades 9–12 · 4.5 mi

District: Sumner County School District

Neighborhood · ZIP 37186These 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.85
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.51

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.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.6.7%
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.0.8%
PopulationHow many people live in this area.10,877
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.102 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$60,757
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$80,203
Average tempThe average temperature here across a full year.58°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.56%

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

645 Calvert Ridge 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 97% of homes in Sumner County
  • Costs less per square foot than 82% of homes in Sumner County
  • Smaller than 92% of homes in Sumner County
  • Has a bigger lot than 90% of homes in Sumner County
  • Older than 97% of homes in Sumner County

What homes are worth in Westmoreland 37186

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

This home
$84K$639K

This home is worth more than 31% of homes in Westmoreland 37186.

How it measures up in Westmoreland 37186

The dot is this home. The mark in the middle is the typical home in Westmoreland 37186.

Estimated value$209,591
CheaperTypical $260,988Pricier

Pricier than 31% of homes nearby

Price per ft²$198
CheaperTypical $178Pricier

Pricier than 66% of homes nearby

Living area1,056 ft²
SmallerTypical 1,404 ft²Bigger

Bigger than 22% of homes nearby

Lot size5.15 ac
SmallerTypical 2.2 acBigger

Bigger than 69% of homes nearby

Year built1940
OlderTypical 1992Newer

Newer than 9% of homes nearby

How 645 Calvert Ridge Rd ranks against every home in each area.
MeasureThis homeWestmoreland 37186Sumner County
Estimated valuepricier than$209,59131% of homes3% of homes
Price per ft²pricier than$19866% of homes18% of homes
Living areabigger than1,056 ft²22% of homes8% of homes
Lot sizebigger than5.15 ac69% of homes90% of homes
Year builtnewer than19409% of homes3% of homes

About 645 Calvert Ridge Rd

How much is 645 Calvert Ridge Rd, Westmoreland, TN worth?

The TopHap Estimate for 645 Calvert Ridge Rd, Westmoreland, TN is $209,591 as of Jul 14, 2026. The likely range is $157,743 to $261,439. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 645 Calvert Ridge Rd, Westmoreland, TN?

645 Calvert Ridge Rd, Westmoreland, TN has 1 bathrooms, 1,056 square feet of living space and a 5.15-acre lot.

When was 645 Calvert Ridge Rd, Westmoreland, TN built?

645 Calvert Ridge Rd, Westmoreland, TN was built in 1940, making it 86 years old. The building has 1 story.

What schools serve 645 Calvert Ridge Rd, Westmoreland, TN?

645 Calvert Ridge Rd, Westmoreland, TN is assigned to Westmoreland Middle School (middle), rated B; Westmoreland Elementary School (elementary), rated C+; Westmoreland High School (high), rated B+. All sit in Sumner County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 645 Calvert Ridge Rd, Westmoreland, TN compare to other homes in Westmoreland 37186?

Among the 4,182 homes in Westmoreland 37186, it is worth more than 31% of them ($209,591 against a typical $260,988), its price per square foot is higher than 66% of them ($198 against a typical $178), it is bigger than 22% of them (1,056 ft² against a typical 1,404 ft²), its lot is bigger than 69% of them (5.15 ac against a typical 2.2 ac) and it is newer than 9% of them (1940 against a typical 1992). Measured against all of Sumner County, it is worth more than 3% 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 645 Calvert Ridge Rd, Westmoreland, TN?

The 2025 property tax bill for 645 Calvert Ridge Rd, Westmoreland, TN was $864. The county assessed it at $60,800.

Closest homes

More homes in Westmoreland 37186

Assigned schools

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