336 Lindder Dr · Fairgarden, TN 37876

$324,900

3 bd · 2.0 ba · 1,484 sqft · SingleFamily public records · 54 Days on market

Built 2005 0.58 ac lot $219/sqft · 11% below area Est $366k · 11% under

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Why this score? — see what drove the D 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).

• ARV discount +12.6/15.0
• Appreciation +10.0/10.0
• Cash flow +7.4/30.0
• Livability +2.7/5.0
• Schools +2.5/10.0
• Condition / age +2.5/5.0
• Rent growth +1.9/5.0
• DSCR +1.5/10.0
• 1% rule +0.7/10.0

Listing remarks MLS

Welcome home to this charming 3-bedroom, 2-bath basement ranch nestled at the end of a quiet cul-de-sac in a wonderful quite neighborhood! This well-maintained property offers comfortable one-level living with an open floor plan, spacious living area, and a bright kitchen perfect for family gatherings. The primary suite features a private bath and generous closet space. Enjoy the convenience of a 2-car garage and the potential of an unfinished basement--ideal for storage, a workshop, or future expansion. The peaceful setting provides privacy while still being close to schools, shopping, and local attractions. Don't miss this opportunity to own a home with great curb appeal and endless possibilities!

Key facts

• 0.58 acre lot
• 2 garage spots
• Built 2005

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $325k.

Deal economics

• At list price, monthly cash flow is $-419 ($-5k/yr) — negative.
• To cash-flow at today's rent, offer at most $251k (22.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $187k (42.5% below list).
• Recommended offer: $187k (42.5% below list) — sets the bar for 1% rule.
• Cap rate 4.7% vs local median 1.9% in Fairgarden — 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 54/100 on livability (#381 in TN) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A-; Watch: crime F, amenities F, commute 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.
• Zoned schools: New Center Elementary (math 32% / reading 28%, grade F, #415 of 952 statewide, top 44%, 855 students, 0% FRL); Seymour Junior High (math 40% / reading 30%, grade F, #65 of 333 statewide, top 20%, 766 students, 0% FRL); Sevier County High School (math 20% / reading 38%, grade F, #92 of 332 statewide, top 28%, 1,248 students, 0% FRL) — zoned schools average 0% FRL vs 52% district-wide (52 pts lower); this property's tenant base skews higher-income than the district average.
• Market conditions: Rents soft (-2.6%/yr); 1142 active listings in the ZIP; 1,594 units permitted in Sevier County in 2024 (456 in 5+ unit buildings).
• This rent runs 38% 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 $35k of equity ($2k loan paydown + $32k appreciation (10.0% local appreciation)).
• Sevier County population projected at +22% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• By year 2, paydown + projected appreciation supports a ~$56k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 54 days — a 3% lower offer ($315k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $132k; list at $325k implies a 146% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: major wildfire risk; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $186,757 (42.5% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 54 days. Have you received any prior offers? Is the seller open to a 43% concession, seller financing, or rate buy-down credit?
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. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
7. 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.
8. 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.
9. 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: 0.57% ✗
• Cap rate: 4.74%
• Cash-on-cash: -5.53%
• DSCR: 0.75
• GRM: 14.5

CMA / ARV

• ARV (median comp): $366,402
• List price: $324,900
• Delta: -11.33%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
308 Lindder Dr	0.15mi	3/2.0	1,656 (+12%)	13mo	$380,000	$229	63

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

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

5-year hold

• IRR: 19.7%
• Equity multiple: 2.59×
• Total profit: $144,578
• Equity at exit: $292,696

10-year hold

• IRR: 17.6%
• Equity multiple: 5.80×
• Total profit: $436,591
• Equity at exit: $631,209

Cash invested: $90,972 (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: 1142
• Price-to-rent: 14.5×

Monthly cashflow live

• Estimated rent: $1,868 medium
• Mortgage (P&I): −$1,704
• Tax from tax record: −$56 /mo · $667/yr
• Insurance: −$135
• HOA: −$0
• Vacancy / Maint / Mgmt: −$392
• Net cashflow: $-419

Break-even live

Break-even rent $2,398

Max offer price $250,813

Occupancy floor —

Sensitivity live

Price	-10% $-235	-5% $-327	+0% $-419	+5% $-882	+10% $-994
Rent	-10% $-567	-5% $-493	+0% $-419	+5% $-346	+10% $-272
Rate	-1.0pp $-256	-0.5pp $-337	base $-419	+0.5pp $-504	+1.0pp $-589

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: $81,225
• Closing costs: $9,747
• Reserves months: —
• Total cash needed: —

Listing history 15 events

1. 2026-06-22
   days on market $324,900 Active 54 DOM
2. 2026-06-19
   days on market $324,900 Active 52 DOM
3. 2026-06-18
   days on market $324,900 Active 51 DOM
4. 2026-06-17
   days on market $324,900 Active 50 DOM
5. 2026-06-16
   days on market $324,900 Active 49 DOM
6. 2026-06-15
   status $324,900 Active 48 DOM
7. 2026-06-07
   statusdays on market $324,900 Pending 48 DOM
8. 2026-06-02
   days on market $324,900 Active 46 DOM
9. 2026-06-01
   days on market $324,900 Active 45 DOM
10. 2026-05-31
    days on market $324,900 Active 44 DOM
11. 2026-05-30
    days on market $324,900 Active 43 DOM
12. 2026-04-17
    listed $329,900 Active 708-char remark

    Show marketing remark (708 chars)

    Welcome home to this charming 3-bedroom, 2-bath basement ranch nestled at the end of a quiet cul-de-sac in a wonderful quite neighborhood! This well-maintained property offers comfortable one-level living with an open floor plan, spacious living area, and a bright kitchen perfect for family gatherings. The primary suite features a private bath and generous closet space. Enjoy the convenience of a 2-car garage and the potential of an unfinished basement--ideal for storage, a workshop, or future expansion. The peaceful setting provides privacy while still being close to schools, shopping, and local attractions. Don't miss this opportunity to own a home with great curb appeal and endless possibilities!

13. 2026-04-17
    listed $329,900 Active 708-char remark

    Show marketing remark (708 chars)

    Welcome home to this charming 3-bedroom, 2-bath basement ranch nestled at the end of a quiet cul-de-sac in a wonderful quite neighborhood! This well-maintained property offers comfortable one-level living with an open floor plan, spacious living area, and a bright kitchen perfect for family gatherings. The primary suite features a private bath and generous closet space. Enjoy the convenience of a 2-car garage and the potential of an unfinished basement--ideal for storage, a workshop, or future expansion. The peaceful setting provides privacy while still being close to schools, shopping, and local attractions. Don't miss this opportunity to own a home with great curb appeal and endless possibilities!

14. 2005-10-17
    soldstatus $131,900
15. 2004-12-01
    soldstatus $26,500

ⓘ 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: $667 · $56/mo
• Projected year-2 tax: $2,307 · $192/mo
• Expected delta: +$1,640/yr (+$137/mo · 245.8%)

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

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 ≥101°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,411
• − Mortgage interest: −$18,199
• − Property taxes: −$667
• − Insurance: −$1,624
• − Repairs & maintenance: −$1,793
• − Management: −$1,793
• − Depreciation: −$9,452
• Taxable loss: −$11,117
• Est. tax savings @ 24.0%: +$2,668
• After-tax cash flow: $-2,364/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 — Fairgarden

• Score: 54/100
• State rank: #381
• US rank: #24205

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Fairgarden, TN
• County: Sevier County · 80,402 people
• City population: 21,767
• 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

+1144.9% since first listed

4 events — show timeline

• 2026-04-17 Listed $329,900 Knoxville MLS
• 2026-04-17 Listed $329,900 GSMAR
• 2005-10-17 Sold (Public Records) $131,900 Public Records
• 2004-12-01 Sold (Public Records) $26,500 Public Records

Property tax history

+0.7%/yr

Latest (2025): $667 · +0.0% YoY. Source: county tax records.