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Rural ResidenceResidential
$506,182$207 / 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 63How 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 $20,000 on May 4, 2020

265 SPENCE RD

RUTLEDGE, TN 37861
2
Baths
2,450 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.
73.6 ac
Lot SizeThe size of the land the home sits on, from county records.
1994
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$506K
$317K low$695K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$20,000 · May 4, 2020
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.$210,607
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$168,486
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.58%
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.$143,819
CITIZENS BANK & TRUST CO · 3.5% 1 · recorded Aug 3, 2020
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.$151,756
CITIZENS BANK & TRUST CO

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,557 (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.$66,275 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$15,950
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$50,325
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$66,275
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$343,700

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.62
66
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
36
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
84
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
93
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
32
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.33 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.Rural Residence
CountyGrainger
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.1997
Lot (acres)The size of the land the home sits on, from county records.73.60
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
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 · 184 ft²ShedPatio · 702 ft²Porch · 184 ft²

Transaction History(2)

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.

H
Grainger High SchoolD
High · Grades 9–12 · 1.6 mi
E
Rutledge Primary School
Elementary · Grades PK–1 · 4.7 mi
M
Rutledge Middle SchoolC+
Middle · Grades 7–8 · 6.2 mi

District: Grainger County School District

Neighborhood · ZIP 37861These 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.120
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.114
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.145

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.83%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.6.3%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.18%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.9,741
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.89 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$51,392
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$64,279
Average tempThe average temperature here across a full year.57°F
Annual precipHow much rain and melted snow falls here in a typical year.47 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

265 Spence 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 more than 85% of homes in Grainger County
  • Bigger than 95% of homes in Rutledge 37861
  • Has a bigger lot than 93% of homes in Rutledge 37861

What homes are worth in Rutledge 37861

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

This home
$57K$893K

This home is worth more than 80% of homes in Rutledge 37861.

How it measures up in Rutledge 37861

The dot is this home. The mark in the middle is the typical home in Rutledge 37861.

Estimated value$506,182
CheaperTypical $295,063Pricier

Pricier than 80% of homes nearby

Price per ft²$207
CheaperTypical $215Pricier

Pricier than 47% of homes nearby

Living area2,450 ft²
SmallerTypical 1,302 ft²Bigger

Bigger than 95% of homes nearby

Lot size73.6 ac
SmallerTypical 1.6 acBigger

Bigger than 93% of homes nearby

Year built1994
OlderTypical 1992Newer

Newer than 53% of homes nearby

How 265 Spence Rd ranks against every home in each area.
MeasureThis homeRutledge 37861Grainger County
Estimated valuepricier than$506,18280% of homes85% of homes
Price per ft²pricier than$20747% of homes51% of homes
Living areabigger than2,450 ft²95% of homes95% of homes
Lot sizebigger than73.6 ac93% of homes86% of homes
Year builtnewer than199453% of homes56% of homes

About 265 Spence Rd

How much is 265 Spence Rd, Rutledge, TN worth?

The TopHap Estimate for 265 Spence Rd, Rutledge, TN is $506,182 as of Jul 14, 2026. The likely range is $317,178 to $695,186. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 265 Spence Rd, Rutledge, TN last sell?

265 Spence Rd, Rutledge, TN last sold on May 4, 2020 for $20,000, according to the county's recorded deed.

How big is 265 Spence Rd, Rutledge, TN?

265 Spence Rd, Rutledge, TN has 2 bathrooms, 2,450 square feet of living space and a 73.60-acre lot.

When was 265 Spence Rd, Rutledge, TN built?

265 Spence Rd, Rutledge, TN was built in 1994, making it 32 years old. The building has 2 stories.

What schools serve 265 Spence Rd, Rutledge, TN?

265 Spence Rd, Rutledge, TN is assigned to Grainger High School (high), rated D; Rutledge Primary School (elementary); Rutledge Middle School (middle), rated C+. All sit in Grainger County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 265 Spence Rd, Rutledge, TN compare to other homes in Rutledge 37861?

Among the 4,463 homes in Rutledge 37861, it is worth more than 80% of them ($506,182 against a typical $295,063), its price per square foot is higher than 47% of them ($207 against a typical $215), it is bigger than 95% of them (2,450 ft² against a typical 1,302 ft²), its lot is bigger than 93% of them (73.6 ac against a typical 1.6 ac) and it is newer than 53% of them (1994 against a typical 1992). Measured against all of Grainger County, it is worth more than 85% 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 265 Spence Rd, Rutledge, TN?

The 2025 property tax bill for 265 Spence Rd, Rutledge, TN was $1,557. The county assessed it at $66,275.

More homes on Spence Rd

Closest homes

More homes in Rutledge 37861

Assigned schools

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