1539 Creek Side Drive Dr · Sevierville, TN 37876

$195,000

3 bd · 2.0 ba · 1,152 sqft · Other public records · 112 Days on market

Built 1995 0.90 ac lot

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Why this score? — see what drove the C- grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +15.5/30.0
• Appreciation +10.0/10.0
• ARV discount +7.5/15.0
• DSCR +4.8/10.0
• 1% rule +4.3/10.0
• Livability +2.9/5.0
• Schools +2.5/10.0
• Condition / age +2.5/5.0
• Rent growth +1.9/5.0

Listing remarks MLS

Back on the market at no fault of the sellers. Property is being sold as-is at an incredible price point! Welcome to 1539 Creek Side Drive, a peaceful country retreat with recent updates and endless potential. Situated on beautiful wooded land, this property offers privacy, space, and the perfect setting for enjoying the outdoors. Recent improvements include all new plumbing throughout with inline water conditioner, new hot water heater, repaired stucco, brand-new paved private drive and parking area, new back deck with stairs, and fresh front porch railings. The home offers a solid start on major upgrades and is move-in ready while still allowing the next owner the opportunity to add their own finishing touches and style. Ideal for a new homebuyer, full-time residence, or private Smoky Mountain getaway, all while being conveniently located just minutes from Sevierville and local amenities. Come see the possibilities this property has to offer!

Key facts

• Paved private drive
• New plumbing
• New hot water heater

Tags

• WOODED LAND
• GREAT PRIVACY
• NEW PLUMBING
• NEW HOT WATER HEATER
• REPAIRED STUCCO
• PAVED PRIVATE DRIVE

Property features AI

Exterior

• Parking: Asphalt off-street parking
• Utilities: Well water; Septic tank
• Home design: Residential mobile home (double wide); One story
• Construction: Vinyl siding; Metal roof; Combination foundation; Skirted with block and concrete; Built as a double wide mobile home
• Exterior features: Rain gutters; Covered patio/porch; Deck; Patio; Private lot with view; Private maintained road access

Interior

• Kitchen: Dishwasher; Electric range; Refrigerator
• Bedrooms: 3 bedrooms on the main level
• Flooring: Carpet; Laminate
• Bathrooms: 2 full bathrooms (both on the main level)
• Heating & cooling: Central heating; Central air conditioning; Wood-burning fireplace (1)
• Interior features: Breakfast bar; Ceiling fans; Storage; Walk-in closets; Unfurnished
• Laundry & utility: Dedicated laundry room

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath other listed at $195k.

Deal economics

• At list price, monthly cash flow is $79 ($953/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $181k (7.4% below list).
• Recommended offer: $177k (9.0% below list) — sets the bar for market timing.
• Cap rate 6.8% vs local median 1.7% in Sevierville — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 57/100 on livability (#323 in TN) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A-; Watch: employment C-, schools F, crime F.
• Sevier County (rural): math 31% / reading 28% proficiency, ranked #62 of 139 in TN (top 45%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: Rents soft (-2.6%/yr); 1127 active listings in the ZIP; 1,594 units permitted in Sevier County in 2024 (456 in 5+ unit buildings).
• This rent runs 37% of the median local income ($58k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $21k of equity ($1k loan paydown + $20k appreciation (10.0% local appreciation)).
• Sevier County population projected at +22% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (10.0% appreciation + 0.0% rent growth), your $55k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 2, paydown + projected appreciation supports a ~$34k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 112 days — a 9% lower offer ($177k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts; this cycle's ask has dropped $35k (15%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: major wildfire risk; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $177,450 (9.0% below list)

Questions for the listing agent

1. It's been on market 112 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
5. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
6. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
7. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
8. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.93% ✗
• Cap rate: 6.78%
• Cash-on-cash: 1.74%
• DSCR: 1.08
• GRM: 9.0

CMA / ARV

No comps found within radius.

Projected returns pro-forma

10.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: 24.5%
• Equity multiple: 2.94×
• Total profit: $105,992
• Equity at exit: $175,671

10-year hold

• IRR: 21.0%
• Equity multiple: 6.47×
• Total profit: $298,729
• Equity at exit: $378,842

Cash invested: $54,600 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Tennessee: 87 Strongly Landlord-Friendly · R+13
• County: — inherits STATE
• City: — inherits STATE

14-day notice (URLTA); generally landlord-favorable; Nashville court paced moderate.

Methodology + full state rankings →

ZIP-level market 37876

• Home prices YoY: 2.4%
• Rents YoY: -2.6%
• Active inventory: 1127
• Price-to-rent: 9.0×

Monthly cashflow live

• Estimated rent: $1,806 medium
• Mortgage (P&I): −$1,023
• Tax est. 1.5%: −$244 /mo · $2,925/yr
• Insurance: −$81
• HOA: −$0
• Vacancy / Maint / Mgmt: −$379
• Net cashflow: $79

Break-even live

Break-even rent $1,706

Max offer price $195,000

Occupancy floor 91%

Sensitivity live

Price	-10% $214	-5% $147	+0% $79	+5% $12	+10% $-55
Rent	-10% $-63	-5% $8	+0% $79	+5% $151	+10% $222
Rate	-1.0pp $178	-0.5pp $129	base $79	+0.5pp $29	+1.0pp $-23

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $48,750
• Closing costs: $5,850
• Reserves months: —
• Total cash needed: —

Listing history 20 events

1. 2026-05-11
   soldstatus $197,000 Closed 973-char remark

   Show marketing remark (973 chars)

   Back on the market at no fault of the sellers. Property is being sold as-is at an incredible price point! Welcome to 1539 Creek Side Drive, a peaceful country retreat with recent updates and endless potential. Situated on beautiful wooded land, this property offers privacy, space, and the perfect setting for enjoying the outdoors. Recent improvements include all new plumbing throughout with inline water conditioner, new hot water heater, repaired stucco, brand-new paved private drive and parking area, new back deck with stairs, and fresh front porch railings. The home offers a solid start on major upgrades and is move-in ready while still allowing the next owner the opportunity to add their own finishing touches and style. Ideal for a new homebuyer, full-time residence, or private Smoky Mountain getaway, all while being conveniently located just minutes from Sevierville and local amenities. Come see the possibilities this property has to offer!

2. 2026-04-15
   status Pending

   Show marketing remark (973 chars)

   Back on the market at no fault of the sellers. Property is being sold as-is at an incredible price point! Welcome to 1539 Creek Side Drive, a peaceful country retreat with recent updates and endless potential. Situated on beautiful wooded land, this property offers privacy, space, and the perfect setting for enjoying the outdoors. Recent improvements include all new plumbing throughout with inline water conditioner, new hot water heater, repaired stucco, brand-new paved private drive and parking area, new back deck with stairs, and fresh front porch railings. The home offers a solid start on major upgrades and is move-in ready while still allowing the next owner the opportunity to add their own finishing touches and style. Ideal for a new homebuyer, full-time residence, or private Smoky Mountain getaway, all while being conveniently located just minutes from Sevierville and local amenities. Come see the possibilities this property has to offer!

3. 2026-04-15
   historical Pending - Continue to Show 973-char remark

   Show marketing remark (973 chars)

   Back on the market at no fault of the sellers. Property is being sold as-is at an incredible price point! Welcome to 1539 Creek Side Drive, a peaceful country retreat with recent updates and endless potential. Situated on beautiful wooded land, this property offers privacy, space, and the perfect setting for enjoying the outdoors. Recent improvements include all new plumbing throughout with inline water conditioner, new hot water heater, repaired stucco, brand-new paved private drive and parking area, new back deck with stairs, and fresh front porch railings. The home offers a solid start on major upgrades and is move-in ready while still allowing the next owner the opportunity to add their own finishing touches and style. Ideal for a new homebuyer, full-time residence, or private Smoky Mountain getaway, all while being conveniently located just minutes from Sevierville and local amenities. Come see the possibilities this property has to offer!

4. 2026-03-15
   status Active

   Show marketing remark (973 chars)

   Back on the market at no fault of the sellers. Property is being sold as-is at an incredible price point! Welcome to 1539 Creek Side Drive, a peaceful country retreat with recent updates and endless potential. Situated on beautiful wooded land, this property offers privacy, space, and the perfect setting for enjoying the outdoors. Recent improvements include all new plumbing throughout with inline water conditioner, new hot water heater, repaired stucco, brand-new paved private drive and parking area, new back deck with stairs, and fresh front porch railings. The home offers a solid start on major upgrades and is move-in ready while still allowing the next owner the opportunity to add their own finishing touches and style. Ideal for a new homebuyer, full-time residence, or private Smoky Mountain getaway, all while being conveniently located just minutes from Sevierville and local amenities. Come see the possibilities this property has to offer!

5. 2026-03-15
   price $195,000

   Show marketing remark (973 chars)

   Back on the market at no fault of the sellers. Property is being sold as-is at an incredible price point! Welcome to 1539 Creek Side Drive, a peaceful country retreat with recent updates and endless potential. Situated on beautiful wooded land, this property offers privacy, space, and the perfect setting for enjoying the outdoors. Recent improvements include all new plumbing throughout with inline water conditioner, new hot water heater, repaired stucco, brand-new paved private drive and parking area, new back deck with stairs, and fresh front porch railings. The home offers a solid start on major upgrades and is move-in ready while still allowing the next owner the opportunity to add their own finishing touches and style. Ideal for a new homebuyer, full-time residence, or private Smoky Mountain getaway, all while being conveniently located just minutes from Sevierville and local amenities. Come see the possibilities this property has to offer!

6. 2026-03-15
   status Active 973-char remark

   Show marketing remark (973 chars)

   Back on the market at no fault of the sellers. Property is being sold as-is at an incredible price point! Welcome to 1539 Creek Side Drive, a peaceful country retreat with recent updates and endless potential. Situated on beautiful wooded land, this property offers privacy, space, and the perfect setting for enjoying the outdoors. Recent improvements include all new plumbing throughout with inline water conditioner, new hot water heater, repaired stucco, brand-new paved private drive and parking area, new back deck with stairs, and fresh front porch railings. The home offers a solid start on major upgrades and is move-in ready while still allowing the next owner the opportunity to add their own finishing touches and style. Ideal for a new homebuyer, full-time residence, or private Smoky Mountain getaway, all while being conveniently located just minutes from Sevierville and local amenities. Come see the possibilities this property has to offer!

7. 2026-03-15
   price $195,000 973-char remark

   Show marketing remark (973 chars)

   Back on the market at no fault of the sellers. Property is being sold as-is at an incredible price point! Welcome to 1539 Creek Side Drive, a peaceful country retreat with recent updates and endless potential. Situated on beautiful wooded land, this property offers privacy, space, and the perfect setting for enjoying the outdoors. Recent improvements include all new plumbing throughout with inline water conditioner, new hot water heater, repaired stucco, brand-new paved private drive and parking area, new back deck with stairs, and fresh front porch railings. The home offers a solid start on major upgrades and is move-in ready while still allowing the next owner the opportunity to add their own finishing touches and style. Ideal for a new homebuyer, full-time residence, or private Smoky Mountain getaway, all while being conveniently located just minutes from Sevierville and local amenities. Come see the possibilities this property has to offer!

8. 2026-02-15
   historical Pending - Continue to Show 973-char remark

   Show marketing remark (973 chars)

   Back on the market at no fault of the sellers. Property is being sold as-is at an incredible price point! Welcome to 1539 Creek Side Drive, a peaceful country retreat with recent updates and endless potential. Situated on beautiful wooded land, this property offers privacy, space, and the perfect setting for enjoying the outdoors. Recent improvements include all new plumbing throughout with inline water conditioner, new hot water heater, repaired stucco, brand-new paved private drive and parking area, new back deck with stairs, and fresh front porch railings. The home offers a solid start on major upgrades and is move-in ready while still allowing the next owner the opportunity to add their own finishing touches and style. Ideal for a new homebuyer, full-time residence, or private Smoky Mountain getaway, all while being conveniently located just minutes from Sevierville and local amenities. Come see the possibilities this property has to offer!

9. 2026-01-19
   status Pending
10. 2025-12-06
    price $225,000 973-char remark

    Show marketing remark (973 chars)

    Back on the market at no fault of the sellers. Property is being sold as-is at an incredible price point! Welcome to 1539 Creek Side Drive, a peaceful country retreat with recent updates and endless potential. Situated on beautiful wooded land, this property offers privacy, space, and the perfect setting for enjoying the outdoors. Recent improvements include all new plumbing throughout with inline water conditioner, new hot water heater, repaired stucco, brand-new paved private drive and parking area, new back deck with stairs, and fresh front porch railings. The home offers a solid start on major upgrades and is move-in ready while still allowing the next owner the opportunity to add their own finishing touches and style. Ideal for a new homebuyer, full-time residence, or private Smoky Mountain getaway, all while being conveniently located just minutes from Sevierville and local amenities. Come see the possibilities this property has to offer!

11. 2025-12-04
    price $225,000
12. 2025-11-04
    listed $230,000 Active 973-char remark

    Show marketing remark (973 chars)

    Back on the market at no fault of the sellers. Property is being sold as-is at an incredible price point! Welcome to 1539 Creek Side Drive, a peaceful country retreat with recent updates and endless potential. Situated on beautiful wooded land, this property offers privacy, space, and the perfect setting for enjoying the outdoors. Recent improvements include all new plumbing throughout with inline water conditioner, new hot water heater, repaired stucco, brand-new paved private drive and parking area, new back deck with stairs, and fresh front porch railings. The home offers a solid start on major upgrades and is move-in ready while still allowing the next owner the opportunity to add their own finishing touches and style. Ideal for a new homebuyer, full-time residence, or private Smoky Mountain getaway, all while being conveniently located just minutes from Sevierville and local amenities. Come see the possibilities this property has to offer!

13. 2025-10-29
    listed $230,000 Active
14. 2025-08-15
    historical
15. 2025-06-18
    price $165,000
16. 2025-06-12
    listed $180,000 Active
17. 2025-06-09
    status Pending
18. 2025-06-09
    historical Active Under Contract
19. 2025-05-27
    listed $180,000 Active
20. 1995-01-27
    soldstatus $10,000

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 6/10 Major
• 🌡 Heat 5/10 Major 7 d/yr ≥103°F today · 20 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,676
• − Mortgage interest: −$10,923
• − Property taxes: −$2,925
• − Insurance: −$975
• − Repairs & maintenance: −$1,734
• − Management: −$1,734
• − Depreciation: −$5,673
• Taxable loss: −$2,288
• Est. tax savings @ 24.0%: +$549
• After-tax cash flow: $1,502/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Sevier County
• NCES district ID: 4703780
• Math proficiency: 31% ▼ -6.00%
• Reading proficiency: 28% ▼ -4.00%
• Median HH income: $42,730
• Composite: 25.12/100
• National rank: #7527
• State rank: #62 of 139 in TN

Livability — Sevierville

• Score: 57/100
• State rank: #323
• US rank: #21663

Category grades

Amenities F Commute F Cost of living A+ Crime F Employment C- Housing A- Health & safety F User ratings F

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Sevier County · 80,402 people
• Metro: Sevierville, TN
• Population (ZIP): 33,561
• Household income: $58,277
• Rent vs Own: 23.4% rent · 76.6% own
• Severe rent burden: 611.0

Population outlook (Sevier County) Hauer SSP2

• Today (2025): 107,903 people
• By 2030: 113,633 · +5.3%
• By 2040: 123,969 · +14.9%
• By 2050: 132,123 · +22.4%
• By 2075: 148,524 · +37.6%
• By 2100: 153,436 · +42.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (89%)
• Race & ethnicity: White 89% Hispanic / Latino 5% Two or more races 5% Black 1%
• Common ancestry: Slovak 5% Serbian 4% Romanian 2%
• Foreign-born: 3% · Canada
• Languages at home: 95% English-only · Spanish 3% Russian/Polish/Slavic 1%

Political lean MEDSL · Sevier

• 2024 margin: Solid R (+61.1) · D 18.9% · R 80.1% · Other 1.0%
• 2008→2024 swing: -13.1pp toward R · 2008: -48.1pp · 2024: -61.1pp
• All cycles: 2024: R+61.1 2020: R+57.6 2016: R+61.7 2012: R+54.8 2008: R+48.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 11.06%
• Current HPI: 477.19
• Rent YoY: ▼ -2.57%
• Metro: Sevierville, TN
• State GDP YoY: ▲ 2.78%
• F500 in state: 22

Industry mix (Fortune 500 HQ in TN)

Industry	F500 HQs	Revenue
▸Healthcare	3	$91B
▸Retail	3	$72B
▸Transportation / Logistics	1	$88B
▸Paper / Packaging	1	$19B
▸Insurance	1	$13B
▸Energy	1	$12B

Price history

+1870.0% since first listed

20 events — show timeline

• 2026-05-11 Sold (MLS) $197,000 Knoxville MLS
• 2026-04-15 Pending — GSMAR
• 2026-04-15 Contingent — Knoxville MLS
• 2026-03-15 Relisted — GSMAR
• 2026-03-15 Price Changed $195,000 GSMAR
• 2026-03-15 Relisted — Knoxville MLS
• 2026-03-15 Price Changed $195,000 Knoxville MLS
• 2026-02-15 Contingent — Knoxville MLS
• 2026-01-19 Pending — GSMAR
• 2025-12-06 Price Changed $225,000 Knoxville MLS
• 2025-12-04 Price Changed $225,000 GSMAR
• 2025-11-04 Listed $230,000 Knoxville MLS
• 2025-10-29 Listed $230,000 GSMAR
• 2025-08-15 Listing Removed — Knoxville MLS
• 2025-06-18 Price Changed $165,000 Knoxville MLS
• 2025-06-12 Listed $180,000 Knoxville MLS
• 2025-06-09 Pending — GSMAR
• 2025-06-09 Contingent — GSMAR
• 2025-05-27 Listed $180,000 GSMAR
• 1995-01-27 Sold (Public Records) $10,000 Public Records

Property tax history

-2.6%/yr

Latest (2025): $118 · +0.0% YoY. Source: county tax records.