Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$312,455$185 / 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 94How 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 $162,500 on Sep 8, 2020

4865 UPPER RIVER RD NE

CHARLESTON, TN 37310
2
Baths
1,691 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.
2.99 ac
Lot SizeThe size of the land the home sits on, from county records.
1995
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$312K
$294K low$331K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$162,500 · Sep 8, 2020
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.$158,080
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$126,464
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.50%
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.$154,375
MORTGAGE INVESTORS GROUP INC · recorded Sep 8, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,061 (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.$62,800 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$6,575
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$56,225
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$62,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$251,200

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyPolk
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.2002
Lot (acres)The size of the land the home sits on, from county records.2.99
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.Metal
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Package
GarageWhether the property has a garage, and details like whether it is attached to the home.Carport (Unspecified)
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.GazeboDeckPorch · 805 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
Benton Elementary SchoolC
Elementary · Grades PK–5 · 2.0 mi
M
Chilhowee Middle SchoolC-
Middle · Grades 6–8 · 2.0 mi
H
Polk County High SchoolC-
High · Grades 9–12 · 2.8 mi

District: Polk County School District

Neighborhood · ZIP 37310These 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.93
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.119
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.154

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.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.18%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.9%
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.5,749
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.129 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$86,053
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$90,133
Average tempThe average temperature here across a full year.58°F
Annual precipHow much rain and melted snow falls here in a typical year.55 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.57%

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

4865 Upper River Rd Ne 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 70% of homes in Polk County
  • Bigger than 74% of homes in Polk County

What homes are worth in Charleston 37310

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

This home
$71K$961K

This home is worth more than 51% of homes in Charleston 37310.

How it measures up in Charleston 37310

The dot is this home. The mark in the middle is the typical home in Charleston 37310.

Estimated value$312,455
CheaperTypical $307,180Pricier

Pricier than 51% of homes nearby

Price per ft²$185
CheaperTypical $193Pricier

Pricier than 43% of homes nearby

Living area1,691 ft²
SmallerTypical 1,593 ft²Bigger

Bigger than 57% of homes nearby

Lot size2.99 ac
SmallerTypical 1.95 acBigger

Bigger than 61% of homes nearby

Year built1995
OlderTypical 1992Newer

Newer than 59% of homes nearby

How 4865 Upper River Rd Ne ranks against every home in each area.
MeasureThis homeCharleston 37310Polk County
Estimated valuepricier than$312,45551% of homes70% of homes
Price per ft²pricier than$18543% of homes58% of homes
Living areabigger than1,691 ft²57% of homes74% of homes
Lot sizebigger than2.99 ac61% of homes57% of homes
Year builtnewer than199559% of homes61% of homes

About 4865 Upper River Rd Ne

How much is 4865 Upper River Rd Ne, Charleston, TN worth?

The TopHap Estimate for 4865 Upper River Rd Ne, Charleston, TN is $312,455 as of Jul 14, 2026. The likely range is $293,950 to $330,960. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4865 Upper River Rd Ne, Charleston, TN last sell?

4865 Upper River Rd Ne, Charleston, TN last sold on Sep 8, 2020 for $162,500, according to the county's recorded deed.

How big is 4865 Upper River Rd Ne, Charleston, TN?

4865 Upper River Rd Ne, Charleston, TN has 2 bathrooms, 1,691 square feet of living space and a 2.99-acre lot.

When was 4865 Upper River Rd Ne, Charleston, TN built?

4865 Upper River Rd Ne, Charleston, TN was built in 1995, making it 31 years old. The building has 1 story.

What schools serve 4865 Upper River Rd Ne, Charleston, TN?

4865 Upper River Rd Ne, Charleston, TN is assigned to Benton Elementary School (elementary), rated C; Chilhowee Middle School (middle), rated C-; Polk County High School (high), rated C-. All sit in Polk County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 4865 Upper River Rd Ne, Charleston, TN compare to other homes in Charleston 37310?

Among the 1,872 homes in Charleston 37310, it is worth more than 51% of them ($312,455 against a typical $307,180), its price per square foot is higher than 43% of them ($185 against a typical $193), it is bigger than 57% of them (1,691 ft² against a typical 1,593 ft²), its lot is bigger than 61% of them (2.99 ac against a typical 1.95 ac) and it is newer than 59% of them (1995 against a typical 1992). Measured against all of Polk County, it is worth more than 70% 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 4865 Upper River Rd Ne, Charleston, TN?

The 2024 property tax bill for 4865 Upper River Rd Ne, Charleston, TN was $1,061. The county assessed it at $62,800.

More homes on Upper River Rd Ne

Closest homes

More homes in Charleston 37310

Assigned schools

Explore the area

See this home in context

Open 4865 Upper River Rd Ne on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map