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Single Family ResidenceResidential
$306,727$214 / 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 $164,500 on Jul 10, 2003

3950 SPENCER RD

ROCKY RIVER, OH 44116
3
Beds
2 / 1
Baths
1,430 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.
0.19 ac
Lot SizeThe size of the land the home sits on, from county records.
1958
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$307K
$274K low$340K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$164,500 · Jul 10, 2003
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.$139,469
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$111,575
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.54%
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.$161,958
NATIONAL CITY MORTGAGE CO · recorded Jul 10, 2003
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.$5,300
NATIONAL CITY BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,355 (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.$94,820 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$18,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$76,620
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$75,460
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$270,900

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.14 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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 Residence
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountyCuyahoga
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.1966
Lot (acres)The size of the land the home sits on, from county records.0.18
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.None
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.No

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.

E
Goldwood Primary Elementary School
Elementary · Grades KG–2 · 0.7 mi
H
Rocky River High SchoolA
High · Grades 9–12 · 1.7 mi
M
Rocky River Middle SchoolA-
Middle · Grades 6–8 · 2.1 mi

District: Rocky River City School District

Neighborhood · ZIP 44116These 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.52
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.105
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.45

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.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.35%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.7%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.22,175
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.3,833 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$95,664
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$137,557
Average tempThe average temperature here across a full year.50°F
Annual precipHow much rain and melted snow falls here in a typical year.38 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.49%

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

3950 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 76% of homes in Rocky River 44116
  • Costs more per square foot than 84% of homes in Cuyahoga County
  • Smaller than 68% of homes in Rocky River 44116
  • Has a smaller lot than 66% of homes in Rocky River 44116

What homes are worth in Rocky River 44116

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

This home
$105K$1.7M

This home is worth more than 24% of homes in Rocky River 44116.

How it measures up in Rocky River 44116

The dot is this home. The mark in the middle is the typical home in Rocky River 44116.

Estimated value$306,727
CheaperTypical $421,543Pricier

Pricier than 24% of homes nearby

Price per ft²$214
CheaperTypical $236Pricier

Pricier than 39% of homes nearby

Living area1,430 ft²
SmallerTypical 1,762 ft²Bigger

Bigger than 32% of homes nearby

Lot size0.19 ac
SmallerTypical 0.23 acBigger

Bigger than 34% of homes nearby

Year built1958
OlderTypical 1957Newer

Newer than 53% of homes nearby

How 3950 Spencer Rd ranks against every home in each area.
MeasureThis homeRocky River 44116Cuyahoga County
Estimated valuepricier than$306,72724% of homes69% of homes
Price per ft²pricier than$21439% of homes84% of homes
Living areabigger than1,430 ft²32% of homes43% of homes
Lot sizebigger than0.19 ac34% of homes53% of homes
Year builtnewer than195853% of homes63% of homes

About 3950 Spencer Rd

How much is 3950 Spencer Rd, Rocky River, OH worth?

The TopHap Estimate for 3950 Spencer Rd, Rocky River, OH is $306,727 as of Jul 14, 2026. The likely range is $273,659 to $339,795. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3950 Spencer Rd, Rocky River, OH last sell?

3950 Spencer Rd, Rocky River, OH last sold on Jul 10, 2003 for $164,500, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 3950 Spencer Rd, Rocky River, OH?

3950 Spencer Rd, Rocky River, OH has 3 bedrooms, 2 bathrooms, 1,430 square feet of living space and a 0.18-acre lot.

When was 3950 Spencer Rd, Rocky River, OH built?

3950 Spencer Rd, Rocky River, OH was built in 1958, making it 68 years old. It is a ranch home. The building has 1 story.

What schools serve 3950 Spencer Rd, Rocky River, OH?

3950 Spencer Rd, Rocky River, OH is assigned to Goldwood Primary Elementary School (elementary); Rocky River High School (high), rated A; Rocky River Middle School (middle), rated A-. All sit in Rocky River City School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3950 Spencer Rd, Rocky River, OH compare to other homes in Rocky River 44116?

Among the 8,130 homes in Rocky River 44116, it is worth more than 24% of them ($306,727 against a typical $421,543), its price per square foot is higher than 39% of them ($214 against a typical $236), it is bigger than 32% of them (1,430 ft² against a typical 1,762 ft²), its lot is bigger than 34% of them (0.19 ac against a typical 0.23 ac) and it is newer than 53% of them (1958 against a typical 1957). Measured against all of Cuyahoga County, it is worth more than 69% 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 3950 Spencer Rd, Rocky River, OH?

The 2024 property tax bill for 3950 Spencer Rd, Rocky River, OH was $5,355. The county assessed it at $94,820.

More homes on Spencer Rd

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Assigned schools

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