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Single Family ResidentialResidential
$245,860$186 / 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 90How 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

538 STEPHENS RD

ROCKY TOP, TN 37769
2
Baths
1,320 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.
0.65 ac
Lot SizeThe size of the land the home sits on, from county records.
2012
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$246K
$221K low$271K 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.$151,460
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$121,168
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.37%
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.$94,400
MORTGAGE INVESTORS GROUP · recorded Jan 18, 2012

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$917 (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.$60,975 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$9,225
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$51,750
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$33,725
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$243,900

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residential
CountyAnderson
Lot (acres)The size of the land the home sits on, from county records.0.65
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Yes
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.ShedPatio · 288 ft²Porch · 461 ft²

Transaction History(2)

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
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.Absentee owner
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

538 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 less than 65% of homes in Anderson County
  • Newer than 94% 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 57% 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$245,860
CheaperTypical $224,337Pricier

Pricier than 57% of homes nearby

Price per ft²$186
CheaperTypical $172Pricier

Pricier than 59% of homes nearby

Living area1,320 ft²
SmallerTypical 1,270 ft²Bigger

Bigger than 53% of homes nearby

Lot size0.65 ac
SmallerTypical 0.84 acBigger

Bigger than 42% of homes nearby

Year built2012
OlderTypical 1977Newer

Newer than 94% of homes nearby

How 538 Stephens Rd ranks against every home in each area.
MeasureThis homeRocky Top 37769Anderson County
Estimated valuepricier than$245,86057% of homes35% of homes
Price per ft²pricier than$18659% of homes38% of homes
Living areabigger than1,320 ft²53% of homes42% of homes
Lot sizebigger than0.65 ac42% of homes56% of homes
Year builtnewer than201294% of homes92% of homes

About 538 Stephens Rd

How much is 538 Stephens Rd, Rocky Top, TN worth?

The TopHap Estimate for 538 Stephens Rd, Rocky Top, TN is $245,860 as of Jul 14, 2026. The likely range is $221,005 to $270,715. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 538 Stephens Rd, Rocky Top, TN?

538 Stephens Rd, Rocky Top, TN has 2 bathrooms, 1,320 square feet of living space and a 0.65-acre lot.

When was 538 Stephens Rd, Rocky Top, TN built?

538 Stephens Rd, Rocky Top, TN was built in 2012, making it 14 years old. The building has 1 story.

What schools serve 538 Stephens Rd, Rocky Top, TN?

538 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 538 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 57% of them ($245,860 against a typical $224,337), its price per square foot is higher than 59% of them ($186 against a typical $172), it is bigger than 53% of them (1,320 ft² against a typical 1,270 ft²), its lot is bigger than 42% of them (0.65 ac against a typical 0.84 ac) and it is newer than 94% of them (2012 against a typical 1977). Measured against all of Anderson County, it is worth more than 35% 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 538 Stephens Rd, Rocky Top, TN?

The 2025 property tax bill for 538 Stephens Rd, Rocky Top, TN was $917. The county assessed it at $60,975.

Closest homes

More homes in Rocky Top 37769

Assigned schools

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