Upper Cumberland Association of REALTORS®
2025 Annual Report
Building Momentum. Strengthening the Future.
2025 President
“Our collective vision is crystal clear: to empower you with the tools, support, and environment you need to not just survive, but thrive. We are laser-focused on creating a space where innovation meets community.”
— Sherri Smith, 2025 UCAR President
Association Executive
“When I reflect on 2025, one word continues to come to mind: momentum. Not because every challenge was solved or every goal was fully accomplished, but because UCAR continued moving forward in meaningful ways across the organization.”
— LaVar Harris, Association Executive
Thank You, Carol Glover.
Association Executive · Upper Cumberland Association of REALTORS®
15+ Years of Dedicated Service · 2009–2025
“Your commitment, care, and leadership shaped UCAR into the association it is today. You leave behind a lasting legacy and a community that is stronger because of you.”
A Year in Photos
Membership
647 REALTOR® members — one strong, connected region.
UCAR serves REALTOR® members, MLS-only subscribers, and business partners throughout the Upper Cumberland region.
2025 by the numbers
A year of real, measurable impact.
From education to advocacy, community investment to financial stewardship — here’s what UCAR delivered in 2025.
Leadership & Governance
A year of intentional structure and modernization.
UCAR took meaningful steps to strengthen governance, modernize operations, and invest in the long-term foundation of the association — including a significant leadership transition.
Financial Performance
Finishing 2025 strong.
UCAR generated $651,591.73 in total revenue against $539,485.06 in total expenditures — an 82.8% expense-to-revenue ratio reflecting a healthy, well-managed organization with $88,267.43 in net revenue to reinvest.
Expenditures by category
Where your $481 primary dues go
Your $160 local dues — how they are directed
UCAR is one of a smaller number of associations that owns and operates its own MLS — meaning MLS fees stay local, funding the technology and services members use every day. This is a significant strategic asset that benefits every member who uses the MLS.
Market Snapshot
The Upper Cumberland market delivered a strong 2025.
2,932 homes sold and an average of 103 days on market reflect a more balanced and strategic pace. Home values continued to climb, with a median sold price of $315,000 and total residential sales topping $1.03 billion in volume — a 10.2% increase over 2024.
| Metric | 2025 | 2024 | Change |
|---|---|---|---|
| Residential Sales | 2,932 | 2,762 | +6.1% |
| Median Sold Price | $315,000 | $308,000 | +2.3% |
| Avg. Sold Price | $354,929 | $340,411 | +4.3% |
| Days on Market | 103 | 96 | +7 days |
| Total Volume | $1.035B | $939M | +10.2% |
Listening to Members
What members told us in our inaugural survey.
48 members responded to UCAR’s first-ever Member Experience & Priorities Survey. The results reflected a genuinely positive overall experience and reinforced that UCAR is delivering real, meaningful value — while identifying where continued growth will make a strong organization even stronger.
Satisfaction scores (out of 5.0) — 48 responses
Most requested education topics
Staff responsiveness was the highest-rated area in the survey — confirming that UCAR’s team continues to be one of the organization’s greatest strengths. Education was the second most celebrated area, with members consistently citing it as a top reason they engage with UCAR throughout the year.
2025 Awards Banquet
Celebrating our members.
An evening recognizing the outstanding REALTORS® and partners who made 2025 exceptional.
Looking Ahead
2026 Priorities
Building on a strong foundation — here’s where UCAR is headed next.
Strategic planning process
Member-informed strategic planning guided by annual survey results, ensuring member priorities shape programming and decision-making.
UCAR Unlocked & Broker Blueprint
New initiatives focused on business growth, leadership, technology, market trends, and professional development for REALTORS® and brokers.
County outreach initiative
Monthly visits by the Association Executive to every county in UCAR’s territory — bringing the association directly to members.
Technology & MLS services
Continued investment in modern, reliable tools that ensure members have access to the best platforms to support their business.
Communication & content expansion
Continued development of the Keys to the Game newsletter, podcast platform, and branding initiatives to deepen year-round engagement.
Financial stewardship
Balancing innovation and investment with responsible planning — ensuring strong member value and long-term organizational independence.
“As we welcome 2026, we will focus on empowering our members with the tools, education, and advocacy needed to thrive in an ever-changing market. Our association remains committed to fostering collaboration, innovation, and service — both within our profession and throughout the Upper Cumberland region we proudly call home. Let’s make 2026 our best year yet.”— Victor C. Bullard, 2026 UCAR President
Powered by Partnership
Thank you to those who make UCAR possible.
The progress and initiatives highlighted throughout this report were made possible not only through the efforts of UCAR’s members, volunteer leadership, and staff, but also through the continued support of business partners, sponsors, and community collaborators throughout the Upper Cumberland region. Sponsors such as US Bank and First National Bank helped make UCAR events more impactful and accessible for members across the region. UCAR sincerely appreciates the continued support, collaboration, and investment from all organizations and individuals who contributed to the association’s success throughout 2025.
Leadership Rosters
2025 & 2026 Board of Directors
2025 Board of Directors — President Sherri Smith
2025 Committee Chairs
2026 Board of Directors — President Victor Bullard
2026 Committee Chairs
UCAR Staff
Thank you for being part of UCAR.
2025 was built by this community — members, volunteers, partners, and staff. Here’s to making 2026 even better.
Visit ucar.org →