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Single Family ResidentialResidential
$82,722
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 28How 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 $33,000 on Jun 12, 2007

SPENCER RD

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

Valuation

$83K
$23K low$142K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$33,000 · Jun 12, 2007
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.$45,432
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$36,346
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.49%
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.$30,000
FARM CREDIT SVCS · 5.375% · recorded Jun 26, 2014
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.$7,290
FARM CREDIT SVCS

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$265 (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.$13,475 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$10,575
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$2,900
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$13,475
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$53,900

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.11.19
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 · 1.9 mi
H
Warren County High SchoolB-
High · Grades 9–12 · 11.1 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 94% of homes in Warren County
  • Has a bigger lot than 88% 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
$51K$1M

This home is worth more than 7% 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$82,722
CheaperTypical $203,477Pricier

Pricier than 7% of homes nearby

Lot size11.19 ac
SmallerTypical 2.5 acBigger

Bigger than 80% of homes nearby

How Spencer Rd ranks against every home in each area.
MeasureThis homeRock Island 38581Warren County
Estimated valuepricier than$82,7227% of homes6% of homes
Lot sizebigger than11.19 ac80% of homes88% of homes

About Spencer Rd

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

The TopHap Estimate for Spencer Rd, Rock Island, TN is $82,722 as of Jul 14, 2026. The likely range is $23,155 to $142,289. 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 Jun 12, 2007 for $33,000, 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 7% of them ($82,722 against a typical $203,477) and its lot is bigger than 80% of them (11.19 ac against a typical 2.5 ac). Measured against all of Warren County, it is worth more than 6% 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 $265. The county assessed it at $13,475.

Closest homes

More homes in Rock Island 38581

Assigned schools

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