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Single Family ResidenceResidential
$1,299,097$465 / 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 50How 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

ROCKY RIVER RD

SPENCER, TN 38585
4 / 1
Baths
2,791 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.
5.01 ac
Lot SizeThe size of the land the home sits on, from county records.
2024
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$1.3M
$644K low$2M 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.$964,097
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$771,278
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.31%
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.$335,000
JAMES W JOHNSON ETUX · recorded Mar 19, 2024

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,745 (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.$72,700 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$7,925
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$64,775
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$7,925
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$290,800

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.46
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
33
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
87
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
97
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
12
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

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
CountyVan Buren
Lot (acres)The size of the land the home sits on, from county records.5.01
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
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 797 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
Spencer Elementary SchoolB
Elementary · Grades PK–5 · 7.2 mi
M
Van Buren County High SchoolB
Middle · Grades 6–12 · 7.3 mi

District: Van Buren County School District

Neighborhood · ZIP 38585These 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.106
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.121
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.76

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.5.6%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.17%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.5,489
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.30 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$48,476
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$62,214
Average tempThe average temperature here across a full year.56°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.Absentee owner
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

Rocky River 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.

  • Among the most valuable homes in Spencer 38585
  • Costs more per square foot than 98% of homes in Spencer 38585
  • Bigger than 96% of homes in Spencer 38585
  • Has a bigger lot than 68% of homes in Spencer 38585
  • Among the newest homes in Spencer 38585

What homes are worth in Spencer 38585

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

This home
$42K$695K

This home is worth more than almost all homes in Spencer 38585.

How it measures up in Spencer 38585

The dot is this home. The mark in the middle is the typical home in Spencer 38585.

Estimated value$1,299,097
CheaperTypical $171,782Pricier

Pricier than almost all homes nearby

Price per ft²$465
CheaperTypical $148Pricier

Pricier than 98% of homes nearby

Living area2,791 ft²
SmallerTypical 1,305 ft²Bigger

Bigger than 96% of homes nearby

Lot size5.01 ac
SmallerTypical 2.4 acBigger

Bigger than 68% of homes nearby

Year built2024
OlderTypical 1991Newer

Newer than almost all homes nearby

How Rocky River Rd ranks against every home in each area.
MeasureThis homeSpencer 38585Van Buren County
Estimated valuepricier than$1,299,097almost all homesalmost all homes
Price per ft²pricier than$46598% of homes97% of homes
Living areabigger than2,791 ft²96% of homes95% of homes
Lot sizebigger than5.01 ac68% of homes67% of homes
Year builtnewer than2024almost all homesalmost all homes

About Rocky River Rd

How much is Rocky River Rd, Spencer, TN worth?

The TopHap Estimate for Rocky River Rd, Spencer, TN is $1,299,097 as of Jul 14, 2026. The likely range is $643,749 to $1,954,445. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is Rocky River Rd, Spencer, TN?

Rocky River Rd, Spencer, TN has 4 bathrooms, 2,791 square feet of living space and a 5.01-acre lot.

When was Rocky River Rd, Spencer, TN built?

Rocky River Rd, Spencer, TN was built in 2024, making it 2 years old. The building has 1 story.

What schools serve Rocky River Rd, Spencer, TN?

Rocky River Rd, Spencer, TN is assigned to Spencer Elementary School (elementary), rated B; Van Buren County High School (middle), rated B. All sit in Van Buren County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does Rocky River Rd, Spencer, TN compare to other homes in Spencer 38585?

Among the 2,407 homes in Spencer 38585, it is worth more than almost all of them ($1,299,097 against a typical $171,782), its price per square foot is higher than 98% of them ($465 against a typical $148), it is bigger than 96% of them (2,791 ft² against a typical 1,305 ft²), its lot is bigger than 68% of them (5.01 ac against a typical 2.4 ac) and it is newer than almost all of them (2024 against a typical 1991). Measured against all of Van Buren County, it is worth more than almost all 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 Rocky River Rd, Spencer, TN?

The 2024 property tax bill for Rocky River Rd, Spencer, TN was $1,745. The county assessed it at $72,700.

Closest homes

More homes in Spencer 38585

Assigned schools

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