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Single Family ResidenceResidential
$448,328$152 / 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 86How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026
Last sold for $10,000 on Sep 13, 2023

409 W COMMERCIAL AVE

MONTEREY, TN 38574
3
Beds
4 / 1
Baths
2,946 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.
0.38 ac
Lot SizeThe size of the land the home sits on, from county records.
2010
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
4
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$448K
$384K low$513K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$10,000 · Sep 13, 2023

Tax & Assessment

Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$86,525 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$5,050
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$81,475
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$86,525
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$346,100

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.45
1
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.
80
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
97
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
13
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

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
CountyPutnam
Lot (acres)The size of the land the home sits on, from county records.0.38
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.Composition Shingle
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Finished
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 · 656 ft²

Transaction History(4)

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.

M
Monterey High SchoolB-
Middle · Grades 7–12 · 0.9 mi
E
Burks Elementary SchoolB
Elementary · Grades PK–6 · 1.1 mi

District: Putnam County School District

Neighborhood · ZIP 38574These 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.142
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.106
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.65

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.90%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.13%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.20%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.9,826
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.57 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$51,551
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$65,309
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.59 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.57%

Owner Tools

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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

409 W Commercial Ave 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 79% of homes in Putnam County
  • Costs less per square foot than 85% of homes in Putnam County
  • Bigger than 94% of homes in Monterey 38574
  • Has a smaller lot than 88% of homes in Monterey 38574
  • Newer than 83% of homes in Putnam County

What homes are worth in Monterey 38574

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

This home
$49K$756K

This home is worth more than 78% of homes in Monterey 38574.

How it measures up in Monterey 38574

The dot is this home. The mark in the middle is the typical home in Monterey 38574.

Estimated value$448,328
CheaperTypical $250,688Pricier

Pricier than 78% of homes nearby

Price per ft²$152
CheaperTypical $169Pricier

Pricier than 41% of homes nearby

Living area2,946 ft²
SmallerTypical 1,498 ft²Bigger

Bigger than 94% of homes nearby

Lot size0.38 ac
SmallerTypical 2.5 acBigger

Bigger than 12% of homes nearby

Year built2010
OlderTypical 1994Newer

Newer than 82% of homes nearby

How 409 W Commercial Ave ranks against every home in each area.
MeasureThis homeMonterey 38574Putnam County
Estimated valuepricier than$448,32878% of homes79% of homes
Price per ft²pricier than$15241% of homes15% of homes
Living areabigger than2,946 ft²94% of homes91% of homes
Lot sizebigger than0.38 ac12% of homes21% of homes
Year builtnewer than201082% of homes83% of homes

About 409 W Commercial Ave

How much is 409 W Commercial Ave, Monterey, TN worth?

The TopHap Estimate for 409 W Commercial Ave, Monterey, TN is $448,328 as of Oct 21, 2026. The likely range is $383,632 to $513,024. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 409 W Commercial Ave, Monterey, TN last sell?

409 W Commercial Ave, Monterey, TN last sold on Sep 13, 2023 for $10,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 409 W Commercial Ave, Monterey, TN?

409 W Commercial Ave, Monterey, TN has 3 bedrooms, 4 bathrooms, 2,946 square feet of living space and a 0.38-acre lot.

When was 409 W Commercial Ave, Monterey, TN built?

409 W Commercial Ave, Monterey, TN was built in 2010, making it 16 years old. The building has 2 stories.

What schools serve 409 W Commercial Ave, Monterey, TN?

409 W Commercial Ave, Monterey, TN is assigned to Monterey High School (middle), rated B-; Burks Elementary School (elementary), rated B. All sit in Putnam County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 409 W Commercial Ave, Monterey, TN compare to other homes in Monterey 38574?

Among the 3,740 homes in Monterey 38574, it is worth more than 78% of them ($448,328 against a typical $250,688), its price per square foot is higher than 41% of them ($152 against a typical $169), it is bigger than 94% of them (2,946 ft² against a typical 1,498 ft²), its lot is bigger than 12% of them (0.38 ac against a typical 2.5 ac) and it is newer than 82% of them (2010 against a typical 1994). Measured against all of Putnam County, it is worth more than 79% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

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Assigned schools

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