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Single Family ResidenceResidential
$408,072$245 / 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 91How 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

537 STEPHENS RD

ROCKY TOP, TN 37769
2
Baths
1,664 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.
0.89 ac
Lot SizeThe size of the land the home sits on, from county records.
2004
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$408K
$370K low$446K high
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.$239,322
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$191,458
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.35%
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.$118,750
MORTGAGE INVESTORS GROUP · recorded Nov 28, 2011
2nd 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.$50,000
BANK OF AMERICA

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,342 (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.$89,250 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$10,825
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$78,425
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$47,150
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$357,000

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyAnderson
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.2009
Lot (acres)The size of the land the home sits on, from county records.0.89
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.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.Deck · 240 ft²Patio · 240 ft²Porch · 120 ft²

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Lake City Elementary SchoolC+
Elementary · Grades PK–5 · 1.2 mi
M
Lake City Middle SchoolC-
Middle · Grades 6–8 · 1.5 mi
H
Anderson County High SchoolC-
High · Grades 9–12 · 5.1 mi

District: Anderson County School District

Neighborhood · ZIP 37769These 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.124
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.112
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.129

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.91%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.8.8%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.24%
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.5,807
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.189 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$54,210
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$65,252
Average tempThe average temperature here across a full year.55°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%

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

537 Stephens 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 more than 88% of homes in Rocky Top 37769
  • Costs more per square foot than 85% of homes in Rocky Top 37769
  • Bigger than 75% of homes in Rocky Top 37769
  • Has a bigger lot than 65% of homes in Anderson County
  • Newer than 88% of homes in Rocky Top 37769

What homes are worth in Rocky Top 37769

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

This home
$54K$605K

This home is worth more than 88% of homes in Rocky Top 37769.

How it measures up in Rocky Top 37769

The dot is this home. The mark in the middle is the typical home in Rocky Top 37769.

Estimated value$408,072
CheaperTypical $224,337Pricier

Pricier than 88% of homes nearby

Price per ft²$245
CheaperTypical $172Pricier

Pricier than 85% of homes nearby

Living area1,664 ft²
SmallerTypical 1,270 ft²Bigger

Bigger than 75% of homes nearby

Lot size0.89 ac
SmallerTypical 0.84 acBigger

Bigger than 51% of homes nearby

Year built2004
OlderTypical 1977Newer

Newer than 88% of homes nearby

How 537 Stephens Rd ranks against every home in each area.
MeasureThis homeRocky Top 37769Anderson County
Estimated valuepricier than$408,07288% of homes73% of homes
Price per ft²pricier than$24585% of homes78% of homes
Living areabigger than1,664 ft²75% of homes64% of homes
Lot sizebigger than0.89 ac51% of homes65% of homes
Year builtnewer than200488% of homes86% of homes

About 537 Stephens Rd

How much is 537 Stephens Rd, Rocky Top, TN worth?

The TopHap Estimate for 537 Stephens Rd, Rocky Top, TN is $408,072 as of Jul 14, 2026. The likely range is $369,896 to $446,248. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 537 Stephens Rd, Rocky Top, TN last sell?

537 Stephens Rd, Rocky Top, TN last sold on Dec 23, 2003, according to the county's recorded deed.

How big is 537 Stephens Rd, Rocky Top, TN?

537 Stephens Rd, Rocky Top, TN has 2 bathrooms, 1,664 square feet of living space and a 0.89-acre lot.

When was 537 Stephens Rd, Rocky Top, TN built?

537 Stephens Rd, Rocky Top, TN was built in 2004, making it 22 years old. The building has 1 story.

What schools serve 537 Stephens Rd, Rocky Top, TN?

537 Stephens Rd, Rocky Top, TN is assigned to Lake City Elementary School (elementary), rated C+; Lake City Middle School (middle), rated C-; Anderson County High School (high), rated C-. All sit in Anderson County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 537 Stephens Rd, Rocky Top, TN compare to other homes in Rocky Top 37769?

Among the 2,349 homes in Rocky Top 37769, it is worth more than 88% of them ($408,072 against a typical $224,337), its price per square foot is higher than 85% of them ($245 against a typical $172), it is bigger than 75% of them (1,664 ft² against a typical 1,270 ft²), its lot is bigger than 51% of them (0.89 ac against a typical 0.84 ac) and it is newer than 88% of them (2004 against a typical 1977). Measured against all of Anderson County, it is worth more than 73% 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 537 Stephens Rd, Rocky Top, TN?

The 2025 property tax bill for 537 Stephens Rd, Rocky Top, TN was $1,342. The county assessed it at $89,250.

Closest homes

More homes in Rocky Top 37769

Assigned schools

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