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Rural ResidenceResidential
$315,052$194 / 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 54How 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

126 WATER ST

RUTLEDGE, TN 37861
2
Baths
1,620 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.
33.01 ac
Lot SizeThe size of the land the home sits on, from county records.
2021
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$315K
$171K low$459K 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.$0
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$0
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.135%
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.$262,497
CITIZENS BANK & TRUST CO · recorded Oct 9, 2020
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.$220,000
GREAT OAKS BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,624 (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.$69,100 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$14,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$54,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$69,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$381,000

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.68
100
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
34
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
84
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
93
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
32
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.197 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Rural Residence
CountyGrainger
Lot (acres)The size of the land the home sits on, from county records.33.01
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 · 300 ft²Shed · 2,160 ft²

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.

H
Grainger County Adult High School
High · Grades 9–12 · 0.3 mi
M
Rutledge Middle SchoolC+
Middle · Grades 7–8 · 0.6 mi
E
Rutledge Primary School
Elementary · Grades PK–1 · 0.9 mi

District: Grainger County School District

Neighborhood · ZIP 37861These 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.120
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.114
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.145

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.83%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.6.3%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.18%
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.9,741
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.89 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$51,392
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$64,279
Average tempThe average temperature here across a full year.57°F
Annual precipHow much rain and melted snow falls here in a typical year.47 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.56%

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

126 Water St 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.

  • Bigger than 73% of homes in Grainger County
  • Has a bigger lot than 87% of homes in Rutledge 37861
  • Newer than 95% of homes in Grainger County

What homes are worth in Rutledge 37861

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

This home
$57K$895K

This home is worth more than 54% of homes in Rutledge 37861.

How it measures up in Rutledge 37861

The dot is this home. The mark in the middle is the typical home in Rutledge 37861.

Estimated value$315,052
CheaperTypical $293,592Pricier

Pricier than 54% of homes nearby

Price per ft²$194
CheaperTypical $215Pricier

Pricier than 40% of homes nearby

Living area1,620 ft²
SmallerTypical 1,300 ft²Bigger

Bigger than 71% of homes nearby

Lot size33.01 ac
SmallerTypical 1.62 acBigger

Bigger than 87% of homes nearby

Year built2021
OlderTypical 1992Newer

Newer than 94% of homes nearby

How 126 Water St ranks against every home in each area.
MeasureThis homeRutledge 37861Grainger County
Estimated valuepricier than$315,05254% of homes60% of homes
Price per ft²pricier than$19440% of homes45% of homes
Living areabigger than1,620 ft²71% of homes73% of homes
Lot sizebigger than33.01 ac87% of homes80% of homes
Year builtnewer than202194% of homes95% of homes

About 126 Water St

How much is 126 Water St, Rutledge, TN worth?

The TopHap Estimate for 126 Water St, Rutledge, TN is $315,052 as of Jul 14, 2026. The likely range is $171,334 to $458,770. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 126 Water St, Rutledge, TN last sell?

126 Water St, Rutledge, TN last sold on Sep 18, 2014, according to the county's recorded deed. TopHap holds 5 recorded sales for this parcel.

How big is 126 Water St, Rutledge, TN?

126 Water St, Rutledge, TN has 2 bathrooms, 1,620 square feet of living space and a 33.01-acre lot.

When was 126 Water St, Rutledge, TN built?

126 Water St, Rutledge, TN was built in 2021, making it 5 years old. The building has 1 story.

What schools serve 126 Water St, Rutledge, TN?

126 Water St, Rutledge, TN is assigned to Grainger County Adult High School (high); Rutledge Middle School (middle), rated C+; Rutledge Primary School (elementary). All sit in Grainger County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 126 Water St, Rutledge, TN compare to other homes in Rutledge 37861?

Among the 4,463 homes in Rutledge 37861, it is worth more than 54% of them ($315,052 against a typical $293,592), its price per square foot is higher than 40% of them ($194 against a typical $215), it is bigger than 71% of them (1,620 ft² against a typical 1,300 ft²), its lot is bigger than 87% of them (33.01 ac against a typical 1.62 ac) and it is newer than 94% of them (2021 against a typical 1992). Measured against all of Grainger County, it is worth more than 60% 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 126 Water St, Rutledge, TN?

The 2025 property tax bill for 126 Water St, Rutledge, TN was $1,624. The county assessed it at $69,100.

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See this home in context

Open 126 Water Ston TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

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