824 Edna Garland Rd · Maryville, TN 37801

$222,500

3 bd · 2.0 ba · 1,596 sqft · Manufactured public records · 96 Days on market

Built 1995 0.45 ac lot $139/sqft · at area comps Est $230k · at est.

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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 +20.4/30.0
• ARV discount +9.0/15.0
• DSCR +6.5/10.0
• 1% rule +4.1/10.0
• Rent growth +3.6/5.0
• Livability +3.6/5.0
• Schools +2.6/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to this charming 3-bedroom, 1 full bath and 1 half bath home nestled in a quiet country setting in Maryville, TN. This home features newer kitchen appliances, as well as a new and updated electrical box! Enjoy the peaceful surroundings while relaxing on the large covered front porch--perfect for morning coffee or unwinding in the evening. Conveniently located just minutes from shopping, grocery stores, and local restaurants, this home offers the ideal balance of rural tranquility and everyday convenience. Whether you're enjoying the calm of the countryside or taking advantage of nearby amenities, this property provides comfort, accessibility, and a wonderful place to call home.

Key facts

• Everyday convenience
• Rural tranquility
• Local restaurants

Tags

• LARGE COVERED FRONT PORCH
• QUIET COUNTRY SETTING
• MINUTES FROM SHOPPING
• LOCAL RESTAURANTS
• RURAL TRANQUILITY
• EVERYDAY CONVENIENCE

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $222k.

Deal economics

• At list price, monthly cash flow is $163 ($2k/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 $202k (9.2% below list).
• Recommended offer: $202k (9.2% below list) — sets the bar for 1% rule.
• Cap rate 7.8% vs local median 3.7% in Maryville — 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 71/100 on livability (#38 in TN) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities D, commute F, health & safety F.
• Blount County (rural): math 29% / reading 31% proficiency, ranked #52 of 139 in TN (top 37%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Mary Blount Elementary (math 31% / reading 28%, grade F, #423 of 952 statewide, top 48%, 594 students, 0% FRL); Union Grove Middle School (math 24% / reading 27%, grade F, #147 of 333 statewide, top 45%, 611 students, 0% FRL); William Blount High School (math 18% / reading 46%, grade F, #56 of 332 statewide, top 20%, 1,545 students, 0% FRL) — zoned schools average 0% FRL vs 44% district-wide (44 pts lower); this property's tenant base skews higher-income than the district average.
• Market conditions: Rents rising fast (+4.3%/yr); 175 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 937 units permitted in Blount County in 2024 (57 in 5+ unit buildings).
• This rent runs 33% of the median local income ($74k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
• Blount County population projected at +8% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 96 days — a 9% lower offer ($202k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 21y ago; this cycle's ask has dropped $12k (5%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: flood insurance adds $125/mo.
• Climate carrying-cost: in FEMA flood zone A (mandatory federal flood insurance); moderate 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 $202,041 (9.2% below list)

Questions for the listing agent

1. It's been on market 96 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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.
6. 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.
7. 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: 0.91% ✗
• Cap rate: 7.85%
• Cash-on-cash: 5.56%
• DSCR: 1.25
• GRM: 9.2

CMA / ARV

• ARV (median comp): $230,000
• List price: $222,500
• Delta: -3.26%
• Verdict: FAIR
• Comps: 3 within 2.0 mi

Projected returns pro-forma

-3.0% appreciation · 4.26% rent growth · sell at horizon

5-year hold

• IRR: -10.0%
• Equity multiple: 0.63×
• Total profit: $-23,089
• Equity at exit: $33,175

10-year hold

• IRR: 0.9%
• Equity multiple: 1.07×
• Total profit: $4,076
• Equity at exit: $19,238

Cash invested: $62,300 (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 37801

• Home prices YoY: -15.3%
• Rents YoY: 4.3%
• Active inventory: 175
• Price-to-rent: 9.2×

Monthly cashflow live

• Estimated rent: $2,020 medium
• Mortgage (P&I): −$1,167
• Tax from tax record: −$48 /mo · $576/yr
• Insurance: −$93
• Flood insurance flood zone: −$125 /mo · $1,502/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$424
• Net cashflow: $163

Break-even live

Break-even rent $1,814

Max offer price $222,500

Occupancy floor 87%

Sensitivity live

Price	-10% $289	-5% $226	+0% $163	+5% $100	+10% $37
Rent	-10% $4	-5% $84	+0% $163	+5% $243	+10% $323
Rate	-1.0pp $275	-0.5pp $220	base $163	+0.5pp $106	+1.0pp $47

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: $55,625
• Closing costs: $6,675
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
849 Hopewell Rd Maryville, TN	3.0	1.5	1300	$1,850	$1.42	45d	1	0.18mi
3239 Morganton Rd Maryville, TN	3.0	1.5	1264	$1,800	$1.42	25d	1	0.29mi
859 Wells Rd Maryville, TN	3.0	2.0	1504	$2,220	$1.48	4d	1	1.44mi

Listing history 34 events

1. 2026-06-18
   days on market $222,500 Active 96 DOM
2. 2026-06-17
   days on market $222,500 Active 95 DOM
3. 2026-06-16
   days on market $222,500 Active 94 DOM
4. 2026-06-15
   status $222,500 Active 93 DOM
5. 2026-06-15
   days on market $222,500 Pending - Continue to Show 93 DOM
6. 2026-06-14
   days on market $222,500 Pending - Continue to Show 91 DOM
7. 2026-06-13
   days on market $222,500 Pending - Continue to Show 90 DOM
8. 2026-06-10
   days on market $222,500 Pending - Continue to Show 88 DOM
9. 2026-06-09
   days on market $222,500 Pending - Continue to Show 87 DOM
10. 2026-06-08
    days on market $222,500 Pending - Continue to Show 86 DOM
11. 2026-06-07
    days on market $222,500 Pending - Continue to Show 85 DOM
12. 2026-06-03
    days on market $222,500 Pending - Continue to Show 81 DOM
13. 2026-06-02
    days on market $222,500 Pending - Continue to Show 80 DOM
14. 2026-06-01
    days on market $222,500 Pending - Continue to Show 79 DOM
15. 2026-05-31
    days on market $222,500 Pending - Continue to Show 78 DOM
16. 2026-05-31
    days on market $222,500 Pending - Continue to Show 77 DOM
17. 2026-05-18
    historical Pending - Continue to Show 695-char remark

    Show marketing remark (695 chars)

    Welcome to this charming 3-bedroom, 1 full bath and 1 half bath home nestled in a quiet country setting in Maryville, TN. This home features newer kitchen appliances, as well as a new and updated electrical box! Enjoy the peaceful surroundings while relaxing on the large covered front porch--perfect for morning coffee or unwinding in the evening. Conveniently located just minutes from shopping, grocery stores, and local restaurants, this home offers the ideal balance of rural tranquility and everyday convenience. Whether you're enjoying the calm of the countryside or taking advantage of nearby amenities, this property provides comfort, accessibility, and a wonderful place to call home.

18. 2026-05-10
    price $222,500 695-char remark

    Show marketing remark (695 chars)

    Welcome to this charming 3-bedroom, 1 full bath and 1 half bath home nestled in a quiet country setting in Maryville, TN. This home features newer kitchen appliances, as well as a new and updated electrical box! Enjoy the peaceful surroundings while relaxing on the large covered front porch--perfect for morning coffee or unwinding in the evening. Conveniently located just minutes from shopping, grocery stores, and local restaurants, this home offers the ideal balance of rural tranquility and everyday convenience. Whether you're enjoying the calm of the countryside or taking advantage of nearby amenities, this property provides comfort, accessibility, and a wonderful place to call home.

19. 2026-04-27
    price $225,000 695-char remark

    Show marketing remark (695 chars)

    Welcome to this charming 3-bedroom, 1 full bath and 1 half bath home nestled in a quiet country setting in Maryville, TN. This home features newer kitchen appliances, as well as a new and updated electrical box! Enjoy the peaceful surroundings while relaxing on the large covered front porch--perfect for morning coffee or unwinding in the evening. Conveniently located just minutes from shopping, grocery stores, and local restaurants, this home offers the ideal balance of rural tranquility and everyday convenience. Whether you're enjoying the calm of the countryside or taking advantage of nearby amenities, this property provides comfort, accessibility, and a wonderful place to call home.

20. 2026-04-02
    price $229,000 695-char remark

    Show marketing remark (695 chars)

    Welcome to this charming 3-bedroom, 1 full bath and 1 half bath home nestled in a quiet country setting in Maryville, TN. This home features newer kitchen appliances, as well as a new and updated electrical box! Enjoy the peaceful surroundings while relaxing on the large covered front porch--perfect for morning coffee or unwinding in the evening. Conveniently located just minutes from shopping, grocery stores, and local restaurants, this home offers the ideal balance of rural tranquility and everyday convenience. Whether you're enjoying the calm of the countryside or taking advantage of nearby amenities, this property provides comfort, accessibility, and a wonderful place to call home.

21. 2026-03-14
    listed $235,000 Active 695-char remark

    Show marketing remark (695 chars)

    Welcome to this charming 3-bedroom, 1 full bath and 1 half bath home nestled in a quiet country setting in Maryville, TN. This home features newer kitchen appliances, as well as a new and updated electrical box! Enjoy the peaceful surroundings while relaxing on the large covered front porch--perfect for morning coffee or unwinding in the evening. Conveniently located just minutes from shopping, grocery stores, and local restaurants, this home offers the ideal balance of rural tranquility and everyday convenience. Whether you're enjoying the calm of the countryside or taking advantage of nearby amenities, this property provides comfort, accessibility, and a wonderful place to call home.

22. 2024-11-08
    soldstatus $209,900
23. 2024-11-07
    soldstatus $209,900 Closed 365-char remark

    Show marketing remark (365 chars)

    Three Bedroom Rancher Located in a Quiet Peaceful Setting!! Needing some TLC this quaint rancher located outside the city limits with no subdivision restrictions, features a new roof and gutters, an open floor plan, a level almost half acre lot, a large front porch and gravel driveway. Come ad your personal touches and make this your dream home. Sold 'as is.'

24. 2024-09-28
    historical Pending - Continue to Show - Inspection 365-char remark

    Show marketing remark (365 chars)

    Three Bedroom Rancher Located in a Quiet Peaceful Setting!! Needing some TLC this quaint rancher located outside the city limits with no subdivision restrictions, features a new roof and gutters, an open floor plan, a level almost half acre lot, a large front porch and gravel driveway. Come ad your personal touches and make this your dream home. Sold 'as is.'

25. 2024-09-07
    price $209,900 365-char remark

    Show marketing remark (365 chars)

    Three Bedroom Rancher Located in a Quiet Peaceful Setting!! Needing some TLC this quaint rancher located outside the city limits with no subdivision restrictions, features a new roof and gutters, an open floor plan, a level almost half acre lot, a large front porch and gravel driveway. Come ad your personal touches and make this your dream home. Sold 'as is.'

26. 2024-08-16
    price $214,900 365-char remark

    Show marketing remark (365 chars)

    Three Bedroom Rancher Located in a Quiet Peaceful Setting!! Needing some TLC this quaint rancher located outside the city limits with no subdivision restrictions, features a new roof and gutters, an open floor plan, a level almost half acre lot, a large front porch and gravel driveway. Come ad your personal touches and make this your dream home. Sold 'as is.'

27. 2024-08-15
    status Active 365-char remark

    Show marketing remark (365 chars)

    Three Bedroom Rancher Located in a Quiet Peaceful Setting!! Needing some TLC this quaint rancher located outside the city limits with no subdivision restrictions, features a new roof and gutters, an open floor plan, a level almost half acre lot, a large front porch and gravel driveway. Come ad your personal touches and make this your dream home. Sold 'as is.'

28. 2024-06-22
    historical Pending - Continue to Show - Inspection 365-char remark

    Show marketing remark (365 chars)

    Three Bedroom Rancher Located in a Quiet Peaceful Setting!! Needing some TLC this quaint rancher located outside the city limits with no subdivision restrictions, features a new roof and gutters, an open floor plan, a level almost half acre lot, a large front porch and gravel driveway. Come ad your personal touches and make this your dream home. Sold 'as is.'

29. 2024-06-14
    price $219,900 365-char remark

    Show marketing remark (365 chars)

    Three Bedroom Rancher Located in a Quiet Peaceful Setting!! Needing some TLC this quaint rancher located outside the city limits with no subdivision restrictions, features a new roof and gutters, an open floor plan, a level almost half acre lot, a large front porch and gravel driveway. Come ad your personal touches and make this your dream home. Sold 'as is.'

30. 2024-05-23
    listed $229,900 Active 365-char remark

    Show marketing remark (365 chars)

    Three Bedroom Rancher Located in a Quiet Peaceful Setting!! Needing some TLC this quaint rancher located outside the city limits with no subdivision restrictions, features a new roof and gutters, an open floor plan, a level almost half acre lot, a large front porch and gravel driveway. Come ad your personal touches and make this your dream home. Sold 'as is.'

31. 2024-01-05
    soldstatus $180,000
32. 2006-06-26
    listed $94,900
33. 2005-05-27
    listed $94,900
34. 2001-08-10
    soldstatus $74,900

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

Tax reassessment forecast TN · Resets to sale price

• Current annual tax: $576 · $48/mo
• Projected year-2 tax: $1,580 · $132/mo
• Expected delta: +$1,004/yr (+$84/mo · 174.3%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 9/10 Extreme FEMA zone A · 99% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 6/10 Major 7 d/yr ≥102°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: $24,245
• − Mortgage interest: −$12,463
• − Property taxes: −$576
• − Insurance: −$2,615
• − Repairs & maintenance: −$1,940
• − Management: −$1,940
• − Depreciation: −$6,473
• Taxable loss: −$1,761
• Est. tax savings @ 24.0%: +$423
• After-tax cash flow: $2,383/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: Blount County
• NCES district ID: 4700300
• Math proficiency: 29% ▼ -7.00%
• Reading proficiency: 31% ▼ -2.00%
• Median HH income: $47,764
• Composite: 25.99/100
• National rank: #7322
• State rank: #52 of 139 in TN

Livability — Maryville

• Score: 71/100
• State rank: #38
• US rank: #6533

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Blount County · 112,418 people
• City population: 89,294
• Metro: Knoxville, TN
• Population (ZIP): 28,090
• Household income: $73,508
• Rent vs Own: 28.4% rent · 71.6% own
• Severe rent burden: 604.0

Population outlook (Blount County) Hauer SSP2

• Today (2025): 135,873 people
• By 2030: 139,460 · +2.6%
• By 2040: 144,767 · +6.5%
• By 2050: 147,393 · +8.5%
• By 2075: 151,597 · +11.6%
• By 2100: 147,393 · +8.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (92%)
• Race & ethnicity: White 92% Two or more races 4% Hispanic / Latino 3% Black 2%
• Common ancestry: Slovak 3% Serbian 2% Lithuanian 2%
• Foreign-born: 3% · Canada, China
• Languages at home: 97% English-only · Spanish 2%

Political lean MEDSL · Blount

• 2024 margin: Solid R (+47.7) · D 25.5% · R 73.2% · Other 1.2%
• 2008→2024 swing: -8.4pp toward R · 2008: -39.4pp · 2024: -47.7pp
• All cycles: 2024: R+47.7 2020: R+44.2 2016: R+48.8 2012: R+45.7 2008: R+39.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -60.91%
• Current HPI: 337.1507
• Rent YoY: ▲ 4.26%
• Metro: Knoxville, 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

+197.1% since first listed

18 events — show timeline

• 2026-05-18 Contingent — Knoxville MLS
• 2026-05-10 Price Changed $222,500 Knoxville MLS
• 2026-04-27 Price Changed $225,000 Knoxville MLS
• 2026-04-02 Price Changed $229,000 Knoxville MLS
• 2026-03-14 Listed $235,000 Knoxville MLS
• 2024-11-08 Sold (Public Records) $209,900 Public Records
• 2024-11-07 Sold (MLS) $209,900 Knoxville MLS
• 2024-09-28 Contingent — Knoxville MLS
• 2024-09-07 Price Changed $209,900 Knoxville MLS
• 2024-08-16 Price Changed $214,900 Knoxville MLS
• 2024-08-15 Relisted — Knoxville MLS
• 2024-06-22 Contingent — Knoxville MLS
• 2024-06-14 Price Changed $219,900 Knoxville MLS
• 2024-05-23 Listed $229,900 Knoxville MLS
• 2024-01-05 Sold (Public Records) $180,000 Public Records
• 2006-06-26 Listed $94,900 Knoxville MLS
• 2005-05-27 Listed $94,900 Knoxville MLS
• 2001-08-10 Sold (Public Records) $74,900 Public Records

Property tax history

+2.2%/yr

Latest (2025): $576 · +0.0% YoY. Source: county tax records.