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Single Family ResidenceResidential
$200,458$209 / 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 84How 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 $35,000 on Jul 9, 2007

95 SPENCE LN

HILHAM, TN 38568
2
Baths
960 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.
6.54 ac
Lot SizeThe size of the land the home sits on, from county records.
2008
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
7
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$200K
$169K low$232K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$35,000 · Jul 9, 2007

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$924 (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.$35,550 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$5,825
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$29,725
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$35,550
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$142,200

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.88 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
CountyClay
Lot (acres)The size of the land the home sits on, from county records.6.54
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.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, 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.Shed · 160 ft²

Transaction History(4)

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 · 6.5 mi
H
Clay County Adult High School
High · Grades 9–12 · 7.1 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

95 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.

  • Costs more per square foot than 81% of homes in Clay County
  • Smaller than 73% of homes in Hilham 38568
  • Has a bigger lot than 69% of homes in Clay County
  • Newer than 90% 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
$59K$730K

This home is worth more than 39% 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$200,458
CheaperTypical $236,206Pricier

Pricier than 39% of homes nearby

Price per ft²$209
CheaperTypical $180Pricier

Pricier than 68% of homes nearby

Living area960 ft²
SmallerTypical 1,251 ft²Bigger

Bigger than 27% of homes nearby

Lot size6.54 ac
SmallerTypical 4.3 acBigger

Bigger than 61% of homes nearby

Year built2008
OlderTypical 1994Newer

Newer than 82% of homes nearby

How 95 Spence Ln ranks against every home in each area.
MeasureThis homeHilham 38568Clay County
Estimated valuepricier than$200,45839% of homes56% of homes
Price per ft²pricier than$20968% of homes81% of homes
Living areabigger than960 ft²27% of homes28% of homes
Lot sizebigger than6.54 ac61% of homes69% of homes
Year builtnewer than200882% of homes90% of homes

About 95 Spence Ln

How much is 95 Spence Ln, Hilham, TN worth?

The TopHap Estimate for 95 Spence Ln, Hilham, TN is $200,458 as of Sep 24, 2026. The likely range is $169,198 to $231,718. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 95 Spence Ln, Hilham, TN last sell?

95 Spence Ln, Hilham, TN last sold on Jul 9, 2007 for $35,000, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 95 Spence Ln, Hilham, TN?

95 Spence Ln, Hilham, TN has 2 bathrooms, 960 square feet of living space and a 6.54-acre lot.

When was 95 Spence Ln, Hilham, TN built?

95 Spence Ln, Hilham, TN was built in 2008, making it 18 years old. The building has 1 story.

What schools serve 95 Spence Ln, Hilham, TN?

95 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 95 Spence Ln, Hilham, TN compare to other homes in Hilham 38568?

Among the 1,040 homes in Hilham 38568, it is worth more than 39% of them ($200,458 against a typical $236,206), its price per square foot is higher than 68% of them ($209 against a typical $180), it is bigger than 27% of them (960 ft² against a typical 1,251 ft²), its lot is bigger than 61% of them (6.54 ac against a typical 4.3 ac) and it is newer than 82% of them (2008 against a typical 1994). Measured against all of Clay County, it is worth more than 56% 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 95 Spence Ln, Hilham, TN?

The 2024 property tax bill for 95 Spence Ln, Hilham, TN was $924. The county assessed it at $35,550.

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