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Single Family ResidenceResidential
$165,841$87 / 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 89How 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

492 WATER ST

RUTLEDGE, TN 37861
1
Baths
1,899 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.
120 ac
Lot SizeThe size of the land the home sits on, from county records.
1920
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
5
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$166K
$147K low$184K 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.$165,841
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$132,673

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$748 (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.$31,850 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$4,775
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$27,075
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$31,850
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$127,400

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.24 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
CountyGrainger
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.1980
Lot (acres)The size of the land the home sits on, from county records.120.00
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.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.Mixed
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.Porch · 208 ft²

Transaction History(4)

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
Rutledge Primary School
Elementary · Grades PK–1 · 0.1 mi
H
Grainger County Adult High School
High · Grades 9–12 · 0.7 mi
M
Rutledge Middle SchoolC+
Middle · Grades 7–8 · 1.5 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

492 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.

  • Worth less than 79% of homes in Rutledge 37861
  • Costs less per square foot than 97% of homes in Rutledge 37861
  • Bigger than 84% of homes in Grainger County
  • Has a bigger lot than 98% of homes in Rutledge 37861
  • Older than 96% 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
$52K$877K

This home is worth more than 21% 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$165,841
CheaperTypical $293,705Pricier

Pricier than 21% of homes nearby

Price per ft²$87
CheaperTypical $215Pricier

Pricier than 3% of homes nearby

Living area1,899 ft²
SmallerTypical 1,311 ft²Bigger

Bigger than 82% of homes nearby

Lot size120 ac
SmallerTypical 1.6 acBigger

Bigger than 98% of homes nearby

Year built1920
OlderTypical 1992Newer

Newer than 5% of homes nearby

How 492 Water St ranks against every home in each area.
MeasureThis homeRutledge 37861Grainger County
Estimated valuepricier than$165,84121% of homes23% of homes
Price per ft²pricier than$873% of homes4% of homes
Living areabigger than1,899 ft²82% of homes84% of homes
Lot sizebigger than120 ac98% of homes95% of homes
Year builtnewer than19205% of homes4% of homes

About 492 Water St

How much is 492 Water St, Rutledge, TN worth?

The TopHap Estimate for 492 Water St, Rutledge, TN is $165,841 as of Jul 14, 2026. The likely range is $147,191 to $184,491. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 492 Water St, Rutledge, TN last sell?

492 Water St, Rutledge, TN last sold on Dec 17, 2024, according to the county's recorded deed.

How big is 492 Water St, Rutledge, TN?

492 Water St, Rutledge, TN has 1 bathrooms, 1,899 square feet of living space and a 120.00-acre lot.

When was 492 Water St, Rutledge, TN built?

492 Water St, Rutledge, TN was built in 1920, making it 106 years old. The building has 2 stories.

What schools serve 492 Water St, Rutledge, TN?

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

How does 492 Water St, Rutledge, TN compare to other homes in Rutledge 37861?

Among the 4,463 homes in Rutledge 37861, it is worth more than 21% of them ($165,841 against a typical $293,705), its price per square foot is higher than 3% of them ($87 against a typical $215), it is bigger than 82% of them (1,899 ft² against a typical 1,311 ft²), its lot is bigger than 98% of them (120 ac against a typical 1.6 ac) and it is newer than 5% of them (1920 against a typical 1992). Measured against all of Grainger County, it is worth more than 23% 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 492 Water St, Rutledge, TN?

The 2025 property tax bill for 492 Water St, Rutledge, TN was $748. The county assessed it at $31,850.

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