Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$409,990$366 / 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 89How 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 $5,000 on Mar 20, 2020

271 SPENCE RD

RUTLEDGE, TN 37861
2
Baths
1,120 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.
5.38 ac
Lot SizeThe size of the land the home sits on, from county records.
2022
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$410K
$367K low$453K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$5,000 · Mar 20, 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.$164,956
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$131,965
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.$183,587
GREAT OAKS BANK · 2.5% 1 · recorded Jun 30, 2021
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.$61,447
CITIZENS BANK & TRUST CO OF GRAINGER COU

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,053 (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.$44,825 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$11,625
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$33,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$44,825
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$179,300

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.60
58
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
35
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.22 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.Single Family Residence
CountyGrainger
Lot (acres)The size of the land the home sits on, from county records.5.38
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
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 24 ft²

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 · 1.8 mi
E
Rutledge Primary School
Elementary · Grades PK–1 · 4.8 mi
M
Rutledge Middle SchoolC+
Middle · Grades 7–8 · 6.3 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

Company ownedWhether the owner is a company or trust rather than a person.Yes

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

271 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 75% of homes in Grainger County
  • Costs more per square foot than 92% of homes in Grainger County
  • Has a bigger lot than 71% of homes in Rutledge 37861
  • Newer than 97% of homes in Grainger County

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 70% 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$409,990
CheaperTypical $295,063Pricier

Pricier than 70% of homes nearby

Price per ft²$366
CheaperTypical $215Pricier

Pricier than 91% of homes nearby

Living area1,120 ft²
SmallerTypical 1,302 ft²Bigger

Bigger than 36% of homes nearby

Lot size5.38 ac
SmallerTypical 1.6 acBigger

Bigger than 71% of homes nearby

Year built2022
OlderTypical 1992Newer

Newer than 96% of homes nearby

How 271 Spence Rd ranks against every home in each area.
MeasureThis homeRutledge 37861Grainger County
Estimated valuepricier than$409,99070% of homes75% of homes
Price per ft²pricier than$36691% of homes92% of homes
Living areabigger than1,120 ft²36% of homes37% of homes
Lot sizebigger than5.38 ac71% of homes64% of homes
Year builtnewer than202296% of homes97% of homes

About 271 Spence Rd

How much is 271 Spence Rd, Rutledge, TN worth?

The TopHap Estimate for 271 Spence Rd, Rutledge, TN is $409,990 as of Jul 14, 2026. The likely range is $366,683 to $453,297. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 271 Spence Rd, Rutledge, TN last sell?

271 Spence Rd, Rutledge, TN last sold on Mar 20, 2020 for $5,000, according to the county's recorded deed.

How big is 271 Spence Rd, Rutledge, TN?

271 Spence Rd, Rutledge, TN has 2 bathrooms, 1,120 square feet of living space and a 5.38-acre lot.

When was 271 Spence Rd, Rutledge, TN built?

271 Spence Rd, Rutledge, TN was built in 2022, making it 4 years old. The building has 1 story.

What schools serve 271 Spence Rd, Rutledge, TN?

271 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 271 Spence Rd, Rutledge, TN compare to other homes in Rutledge 37861?

Among the 4,463 homes in Rutledge 37861, it is worth more than 70% of them ($409,990 against a typical $295,063), its price per square foot is higher than 91% of them ($366 against a typical $215), it is bigger than 36% of them (1,120 ft² against a typical 1,302 ft²), its lot is bigger than 71% of them (5.38 ac against a typical 1.6 ac) and it is newer than 96% of them (2022 against a typical 1992). Measured against all of Grainger County, it is worth more than 75% 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 271 Spence Rd, Rutledge, TN?

The 2025 property tax bill for 271 Spence Rd, Rutledge, TN was $1,053. The county assessed it at $44,825.

More homes on Spence Rd

Closest homes

More homes in Rutledge 37861

Assigned schools

Explore the area

See this home in context

Open 271 Spence 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