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Single Family ResidenceResidential
$184,122$215 / 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 83How 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

851 LOWER RIVER RD NW

CHARLESTON, TN 37310
2 / 1
Baths
856 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.
5.7 ac
Lot SizeThe size of the land the home sits on, from county records.
1981
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$184K
$152K low$216K 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.$184,122
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$147,298

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$639 (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.$35,650 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$12,825
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$22,825
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$35,650
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$142,600

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.36 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
CountyBradley
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.2008
Lot (acres)The size of the land the home sits on, from county records.5.70
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.None
CoolingThe type of cooling or air conditioning in the home.None
FireplaceWhether the home has a fireplace, and what kind.Yes
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 · 180 ft²Patio · 340 ft²

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

H
Walker Valley High SchoolB
High · Grades 9–12 · 2.7 mi
E
Charleston Elementary SchoolB-
Elementary · Grades KG–5 · 3.5 mi
M
Ocoee Middle SchoolB
Middle · Grades 6–8 · 9.5 mi

District: Bradley 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.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

851 Lower River Rd Nw 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 83% of homes in Bradley County
  • Costs more per square foot than 76% of homes in Bradley County
  • Smaller than 94% of homes in Charleston 37310
  • Has a bigger lot than 91% of homes in Bradley 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
$64K$907K

This home is worth more than 20% 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$184,122
CheaperTypical $308,512Pricier

Pricier than 20% of homes nearby

Price per ft²$215
CheaperTypical $193Pricier

Pricier than 66% of homes nearby

Living area856 ft²
SmallerTypical 1,602 ft²Bigger

Bigger than 6% of homes nearby

Lot size5.7 ac
SmallerTypical 1.9 acBigger

Bigger than 78% of homes nearby

Year built1981
OlderTypical 1992Newer

Newer than 37% of homes nearby

How 851 Lower River Rd Nw ranks against every home in each area.
MeasureThis homeCharleston 37310Bradley County
Estimated valuepricier than$184,12220% of homes17% of homes
Price per ft²pricier than$21566% of homes76% of homes
Living areabigger than856 ft²6% of homes6% of homes
Lot sizebigger than5.7 ac78% of homes91% of homes
Year builtnewer than198137% of homes45% of homes

About 851 Lower River Rd Nw

How much is 851 Lower River Rd Nw, Charleston, TN worth?

The TopHap Estimate for 851 Lower River Rd Nw, Charleston, TN is $184,122 as of Jul 14, 2026. The likely range is $151,905 to $216,339. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 851 Lower River Rd Nw, Charleston, TN last sell?

851 Lower River Rd Nw, Charleston, TN last sold on Apr 3, 1981, according to the county's recorded deed.

How big is 851 Lower River Rd Nw, Charleston, TN?

851 Lower River Rd Nw, Charleston, TN has 2 bathrooms, 856 square feet of living space and a 5.70-acre lot.

When was 851 Lower River Rd Nw, Charleston, TN built?

851 Lower River Rd Nw, Charleston, TN was built in 1981, making it 45 years old. The building has 2 stories.

What schools serve 851 Lower River Rd Nw, Charleston, TN?

851 Lower River Rd Nw, Charleston, TN is assigned to Walker Valley High School (high), rated B; Charleston Elementary School (elementary), rated B-; Ocoee Middle School (middle), rated B. All sit in Bradley County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 851 Lower River Rd Nw, Charleston, TN compare to other homes in Charleston 37310?

Among the 1,899 homes in Charleston 37310, it is worth more than 20% of them ($184,122 against a typical $308,512), its price per square foot is higher than 66% of them ($215 against a typical $193), it is bigger than 6% of them (856 ft² against a typical 1,602 ft²), its lot is bigger than 78% of them (5.7 ac against a typical 1.9 ac) and it is newer than 37% of them (1981 against a typical 1992). Measured against all of Bradley County, it is worth more than 17% 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 851 Lower River Rd Nw, Charleston, TN?

The 2024 property tax bill for 851 Lower River Rd Nw, Charleston, TN was $639. The county assessed it at $35,650.

Closest homes

More homes in Charleston 37310

Assigned schools

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