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Single Family ResidenceResidential
$165,006$170 / 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 95How 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 $99,900 on Sep 28, 2018

4985 UPPER RIVER RD NE

CHARLESTON, TN 37310
1
Baths
972 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.
1971
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$165K
$156K low$174K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$99,900 · Sep 28, 2018
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.$66,916
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$53,533
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.56%
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.$98,090
BANK OF CLEVELAND · recorded Oct 1, 2018

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$559 (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.$33,075 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$2,625
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$30,450
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$33,075
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$132,300

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.78 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
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.2003
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
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.Shed · 100 ft²Patio

Transaction History(6)

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 · 1.9 mi
M
Chilhowee Middle SchoolC-
Middle · Grades 6–8 · 1.9 mi
H
Polk County High SchoolC-
High · Grades 9–12 · 2.9 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

4985 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 less than 84% of homes in Charleston 37310
  • Costs less per square foot than 69% of homes in Charleston 37310
  • Smaller than 89% of homes in Charleston 37310
  • Older than 74% of homes in Charleston 37310

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 16% 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$165,006
CheaperTypical $307,180Pricier

Pricier than 16% of homes nearby

Price per ft²$170
CheaperTypical $193Pricier

Pricier than 31% of homes nearby

Living area972 ft²
SmallerTypical 1,593 ft²Bigger

Bigger than 11% of homes nearby

Year built1971
OlderTypical 1992Newer

Newer than 26% of homes nearby

How 4985 Upper River Rd Ne ranks against every home in each area.
MeasureThis homeCharleston 37310Polk County
Estimated valuepricier than$165,00616% of homes33% of homes
Price per ft²pricier than$17031% of homes49% of homes
Living areabigger than972 ft²11% of homes22% of homes
Year builtnewer than197126% of homes28% of homes

About 4985 Upper River Rd Ne

How much is 4985 Upper River Rd Ne, Charleston, TN worth?

The TopHap Estimate for 4985 Upper River Rd Ne, Charleston, TN is $165,006 as of Jul 14, 2026. The likely range is $156,124 to $173,888. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4985 Upper River Rd Ne, Charleston, TN last sell?

4985 Upper River Rd Ne, Charleston, TN last sold on Sep 28, 2018 for $99,900, according to the county's recorded deed. TopHap holds 5 recorded sales for this parcel.

How big is 4985 Upper River Rd Ne, Charleston, TN?

4985 Upper River Rd Ne, Charleston, TN has 1 bathrooms and 972 square feet of living space.

When was 4985 Upper River Rd Ne, Charleston, TN built?

4985 Upper River Rd Ne, Charleston, TN was built in 1971, making it 55 years old. The building has 1 story.

What schools serve 4985 Upper River Rd Ne, Charleston, TN?

4985 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 4985 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 16% of them ($165,006 against a typical $307,180), its price per square foot is higher than 31% of them ($170 against a typical $193), it is bigger than 11% of them (972 ft² against a typical 1,593 ft²) and it is newer than 26% of them (1971 against a typical 1992). Measured against all of Polk County, it is worth more than 33% 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 4985 Upper River Rd Ne, Charleston, TN?

The 2024 property tax bill for 4985 Upper River Rd Ne, Charleston, TN was $559. The county assessed it at $33,075.

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