Skip to content
Skip to content
TopHapOpen in map
Single Family ResidentialResidential
$118,026
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 29How 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 $76,700 on Apr 4, 2006

SPENCER RD

ROCK ISLAND, TN 38581
0
Baths
13.92 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$118K
$34K low$202K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$76,700 · Apr 4, 2006
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.$118,026
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$94,421

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$257 (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.$13,075 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$11,875
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$1,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$13,075
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$52,300

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.132 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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 Residential
CountyWarren
Lot (acres)The size of the land the home sits on, from county records.13.92
HeatingThe type of heating system in the home.None
PoolWhether the property has a pool, and what kind, such as in-ground.No

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Eastside Elementary SchoolB+
Elementary · Grades PK–8 · 2.7 mi
H
Warren County High SchoolB-
High · Grades 9–12 · 12.6 mi

District: Warren County School District

Neighborhood · ZIP 38581These 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.113
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.119
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.66

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.8.5%
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.1.1%
PopulationHow many people live in this area.4,656
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.45 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$52,854
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$61,454
Average tempThe average temperature here across a full year.57°F
Annual precipHow much rain and melted snow falls here in a typical year.57 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

Spencer 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 85% of homes in Warren County
  • Has a bigger lot than 89% of homes in Warren County

What homes are worth in Rock Island 38581

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

This home
$52K$1M

This home is worth more than 18% of homes in Rock Island 38581.

How it measures up in Rock Island 38581

The dot is this home. The mark in the middle is the typical home in Rock Island 38581.

Estimated value$118,026
CheaperTypical $202,283Pricier

Pricier than 18% of homes nearby

Lot size13.92 ac
SmallerTypical 2.5 acBigger

Bigger than 83% of homes nearby

How Spencer Rd ranks against every home in each area.
MeasureThis homeRock Island 38581Warren County
Estimated valuepricier than$118,02618% of homes15% of homes
Lot sizebigger than13.92 ac83% of homes89% of homes

About Spencer Rd

How much is Spencer Rd, Rock Island, TN worth?

The TopHap Estimate for Spencer Rd, Rock Island, TN is $118,026 as of Jul 14, 2026. The likely range is $34,284 to $201,768. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did Spencer Rd, Rock Island, TN last sell?

Spencer Rd, Rock Island, TN last sold on Apr 4, 2006 for $76,700, according to the county's recorded deed.

What schools serve Spencer Rd, Rock Island, TN?

Spencer Rd, Rock Island, TN is assigned to Eastside Elementary School (elementary), rated B+; Warren County High School (high), rated B-. All sit in Warren County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does Spencer Rd, Rock Island, TN compare to other homes in Rock Island 38581?

Among the 2,130 homes in Rock Island 38581, it is worth more than 18% of them ($118,026 against a typical $202,283) and its lot is bigger than 83% of them (13.92 ac against a typical 2.5 ac). Measured against all of Warren County, it is worth more than 15% 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 Spencer Rd, Rock Island, TN?

The 2024 property tax bill for Spencer Rd, Rock Island, TN was $257. The county assessed it at $13,075.

Closest homes

More homes in Rock Island 38581

Assigned schools

Explore the area

See this home in context

Open Spencer Rd on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map