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Single Family ResidenceResidential
$291,782$229 / 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

4040 SPENCER RD

ROCKY RIVER, OH 44116
3
Beds
2 / 1
Baths
1,274 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.
1959
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

$292K
$260K low$323K high
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.$162,782
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$130,226
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.44%
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.$125,000
PNC BANK · recorded Aug 5, 2013
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.$4,000
PNC BK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,815 (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.$78,820 (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.$60,620
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$55,130
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$225,200

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
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.Central
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
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 120 ft²

Transaction History(1)

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

4040 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 79% of homes in Rocky River 44116
  • Costs more per square foot than 89% of homes in Cuyahoga County
  • Smaller than 78% of homes in Rocky River 44116
  • Has a smaller lot than 66% of homes in Rocky River 44116
  • Newer than 65% of homes in Cuyahoga County

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$1.5M

This home is worth more than 21% 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$291,782
CheaperTypical $420,725Pricier

Pricier than 21% of homes nearby

Price per ft²$229
CheaperTypical $236Pricier

Pricier than 46% of homes nearby

Living area1,274 ft²
SmallerTypical 1,766 ft²Bigger

Bigger than 22% of homes nearby

Lot size0.19 ac
SmallerTypical 0.23 acBigger

Bigger than 34% of homes nearby

Year built1959
OlderTypical 1957Newer

Newer than 56% of homes nearby

How 4040 Spencer Rd ranks against every home in each area.
MeasureThis homeRocky River 44116Cuyahoga County
Estimated valuepricier than$291,78221% of homes66% of homes
Price per ft²pricier than$22946% of homes89% of homes
Living areabigger than1,274 ft²22% of homes31% of homes
Lot sizebigger than0.19 ac34% of homes53% of homes
Year builtnewer than195956% of homes65% of homes

About 4040 Spencer Rd

How much is 4040 Spencer Rd, Rocky River, OH worth?

The TopHap Estimate for 4040 Spencer Rd, Rocky River, OH is $291,782 as of Jul 14, 2026. The likely range is $260,229 to $323,335. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4040 Spencer Rd, Rocky River, OH last sell?

4040 Spencer Rd, Rocky River, OH last sold on Dec 16, 2002, according to the county's recorded deed.

How big is 4040 Spencer Rd, Rocky River, OH?

4040 Spencer Rd, Rocky River, OH has 3 bedrooms, 2 bathrooms, 1,274 square feet of living space and a 0.18-acre lot.

When was 4040 Spencer Rd, Rocky River, OH built?

4040 Spencer Rd, Rocky River, OH was built in 1959, making it 67 years old. It is a ranch home. The building has 1 story.

What schools serve 4040 Spencer Rd, Rocky River, OH?

4040 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 4040 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 21% of them ($291,782 against a typical $420,725), its price per square foot is higher than 46% of them ($229 against a typical $236), it is bigger than 22% of them (1,274 ft² against a typical 1,766 ft²), its lot is bigger than 34% of them (0.19 ac against a typical 0.23 ac) and it is newer than 56% of them (1959 against a typical 1957). Measured against all of Cuyahoga County, it is worth more than 66% 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 4040 Spencer Rd, Rocky River, OH?

The 2024 property tax bill for 4040 Spencer Rd, Rocky River, OH was $3,815. The county assessed it at $78,820.

More homes on Spencer Rd

Closest homes

More homes in Rocky River 44116

Assigned schools

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