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Single Family ResidenceResidential
$134,593$104 / 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 66How 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 $38,000 on Nov 27, 1989

197 FINLEY RD

RUTLEDGE, TN 37861
1
Baths
1,300 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.
1.9 ac
Lot SizeThe size of the land the home sits on, from county records.
1972
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$135K
$88K low$181K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$38,000 · Nov 27, 1989
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.$134,593
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$107,674

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$682 (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.$29,025 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$5,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$24,025
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$29,025
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$116,100

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.73 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
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.1981
Lot (acres)The size of the land the home sits on, from county records.1.90
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.None
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.Mixed
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 · 132 ft²

Transaction History(3)

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
Joppa Elementary SchoolC+
Elementary · Grades PK–6 · 2.5 mi
H
Grainger Academy
High · Grades 9–12 · 3.9 mi
M
Rutledge Middle SchoolC+
Middle · Grades 7–8 · 4.0 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

197 Finley 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 85% of homes in Rutledge 37861
  • Costs less per square foot than 94% of homes in Rutledge 37861
  • Older than 72% 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
$55K$886K

This home is worth more than 15% 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$134,593
CheaperTypical $293,614Pricier

Pricier than 15% of homes nearby

Price per ft²$104
CheaperTypical $216Pricier

Pricier than 6% of homes nearby

Living area1,300 ft²
SmallerTypical 1,300 ft²Bigger

Bigger than 50% of homes nearby

Lot size1.9 ac
SmallerTypical 1.63 acBigger

Bigger than 52% of homes nearby

Year built1972
OlderTypical 1992Newer

Newer than 28% of homes nearby

How 197 Finley Rd ranks against every home in each area.
MeasureThis homeRutledge 37861Grainger County
Estimated valuepricier than$134,59315% of homes16% of homes
Price per ft²pricier than$1046% of homes7% of homes
Living areabigger than1,300 ft²50% of homes52% of homes
Lot sizebigger than1.9 ac52% of homes46% of homes
Year builtnewer than197228% of homes29% of homes

About 197 Finley Rd

How much is 197 Finley Rd, Rutledge, TN worth?

The TopHap Estimate for 197 Finley Rd, Rutledge, TN is $134,593 as of Jul 14, 2026. The likely range is $88,227 to $180,959. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 197 Finley Rd, Rutledge, TN last sell?

197 Finley Rd, Rutledge, TN last sold on Nov 27, 1989 for $38,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 197 Finley Rd, Rutledge, TN?

197 Finley Rd, Rutledge, TN has 1 bathrooms, 1,300 square feet of living space and a 1.90-acre lot.

When was 197 Finley Rd, Rutledge, TN built?

197 Finley Rd, Rutledge, TN was built in 1972, making it 54 years old. The building has 1 story.

What schools serve 197 Finley Rd, Rutledge, TN?

197 Finley Rd, Rutledge, TN is assigned to Joppa Elementary School (elementary), rated C+; Grainger Academy (high); 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 197 Finley Rd, Rutledge, TN compare to other homes in Rutledge 37861?

Among the 4,463 homes in Rutledge 37861, it is worth more than 15% of them ($134,593 against a typical $293,614), its price per square foot is higher than 6% of them ($104 against a typical $216), it is bigger than 50% of them (1,300 ft² against a typical 1,300 ft²), its lot is bigger than 52% of them (1.9 ac against a typical 1.63 ac) and it is newer than 28% of them (1972 against a typical 1992). Measured against all of Grainger County, it is worth more than 16% 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 197 Finley Rd, Rutledge, TN?

The 2025 property tax bill for 197 Finley Rd, Rutledge, TN was $682. The county assessed it at $29,025.

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Assigned schools

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