414 Swaying Pines Drive Dr · Gatlinburg, TN 37876

$574,900

4 bd · 3.0 ba · 2,056 sqft · SingleFamily public records · 64 Days on market

Built 2017 0.35 ac lot $280/sqft · 19% below area Est $708k · 19% under $42/mo HOA · 2% of rent

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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 +15.0/15.0
• Appreciation +10.0/10.0
• Livability +3.7/5.0
• Cash flow +3.6/30.0
• Schools +2.5/10.0
• Condition / age +2.5/5.0
• Rent growth +1.9/5.0
• 1% rule +0.0/10.0
• DSCR +0.0/10.0

Listing remarks MLS

THIS UNIT MAY BE USED AS A RENTAL OR PERSONAL HOME BUILT IN 2017. WHITE CEDAR LOG SIDING AND RAILING, WHITE CEDAR IS ROT AND PEST RESISTANT. 2 INCH PINE TONGUE & GROOVE CEILING AND SOFFITS. 2 PRIMARY BEDROOMS EACH WITH FULL BATH ON MAIN. 2 LOFT BEDROOMS WITH SITTING AREA. VAULTED GREAT ROOM WITH WOOD BURNING FIREPLACE

Key facts

• Vaulted great room
• 0.35 acre lot
• Built 2017

Tags

• WHITE CEDAR LOG SIDING
• VAULTED GREAT ROOM
• WOOD BURNING FIREPLACE

What this means for you Summary

Snapshot

• This is a 4-bed/3.0-bath single-family listed at $575k.

Deal economics

• At list price, monthly cash flow is $-2k ($-21k/yr) — negative.
• To cash-flow at today's rent, offer at most $271k (52.9% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $221k (61.5% below list).
• Recommended offer: $221k (61.5% below list) — sets the bar for 1% rule.
• Cap rate 2.7% vs local median 1.3% in Gatlinburg — 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 73/100 on livability (#27 in TN) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A; Watch: schools D-, crime F, amenities 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 comparable units currently listed for rent nearby; 1,594 units permitted in Sevier County in 2024 (456 in 5+ unit buildings).
• At $2,215/mo this rent would consume 46% of the median local household income ($58k/yr) (locally 611% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• In year one you build about $61k of equity ($4k loan paydown + $57k 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 ~$99k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 64 days — a 6% lower offer ($540k) is reasonable based on typical stale-listing flexibility.
• 8 sale attempts since 9y ago; this cycle's ask has dropped $100k (15%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: moderate wildfire risk; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $221,488 (61.5% 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 64 days. Have you received any prior offers? Is the seller open to a 61% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
7. 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?
8. 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?
9. 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.
10. 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.
11. 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: 0.39% ✗
• Cap rate: 2.70%
• Cash-on-cash: -12.83%
• DSCR: 0.43
• GRM: 21.6

CMA / ARV

• ARV (median comp): $707,696
• List price: $574,900
• Delta: -18.76%
• Verdict: UNDERPRICED
• Comps: 6 within 1.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: 14.9%
• Equity multiple: 2.22×
• Total profit: $196,731
• Equity at exit: $517,915

10-year hold

• IRR: 14.3%
• Equity multiple: 5.06×
• Total profit: $653,366
• Equity at exit: $1,116,904

Cash invested: $160,972 (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: 1127
• Price-to-rent: 21.6×

Monthly cashflow live

• Estimated rent: $2,215 medium
• Mortgage (P&I): −$3,015
• Tax from tax record: −$174 /mo · $2,092/yr
• Insurance: −$240
• HOA: −$42
• Vacancy / Maint / Mgmt: −$465
• Net cashflow: $-1,721

Break-even live

Break-even rent $4,393

Max offer price $270,885

Occupancy floor —

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: $143,725
• Closing costs: $17,247
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
505 Adams Rd Gatlinburg, TN	4.0	3.0	2642	$2,900	$1.10	43d	1	0.91mi

HOA detail

• Monthly dues: $42 · $504/yr

Listing history 50 events

1. 2026-06-19
   days on market $574,900 Active 64 DOM
2. 2026-06-18
   days on market $574,900 Active 63 DOM
3. 2026-06-17
   days on market $574,900 Active 62 DOM
4. 2026-06-16
   days on market $574,900 Active 61 DOM
5. 2026-06-15
   days on market $574,900 Active 60 DOM
6. 2026-06-14
   days on market $574,900 Active 58 DOM
7. 2026-06-13
   days on market $574,900 Active 57 DOM
8. 2026-06-10
   days on market $574,900 Active 55 DOM
9. 2026-06-09
   days on market $574,900 Active 54 DOM
10. 2026-06-08
    days on market $574,900 Active 53 DOM
11. 2026-06-07
    days on market $574,900 Active 52 DOM
12. 2026-06-02
    days on market $574,900 Active 47 DOM
13. 2026-06-01
    days on market $574,900 Active 46 DOM
14. 2026-05-31
    days on market $574,900 Active 45 DOM
15. 2026-05-30
    days on market $574,900 Active 44 DOM
16. 2026-05-15
    price $574,900 325-char remark

    Show marketing remark (323 chars)

    THIS UNIT MAY BE USED AS A RENTAL OR PERSONAL HOME BUILT IN 2017. WHITE CEDAR LOG SIDING AND RAILING, WHITE CEDAR IS ROT AND PEST RESISTANT. 2 INCH PINE TONGUE & GROOVE CEILING AND SOFFITS. 2 PRIMARY BEDROOMS EACH WITH FULL BATH ON MAIN. 2 LOFT BEDROOMS WITH SITTING AREA. VAULTED GREAT ROOM WITH WOOD BURNING FIREPLACE

17. 2026-05-15
    price $574,900 323-char remark

    Show marketing remark (323 chars)

    THIS UNIT MAY BE USED AS A RENTAL OR PERSONAL HOME BUILT IN 2017. WHITE CEDAR LOG SIDING AND RAILING, WHITE CEDAR IS ROT AND PEST RESISTANT. 2 INCH PINE TONGUE & GROOVE CEILING AND SOFFITS. 2 PRIMARY BEDROOMS EACH WITH FULL BATH ON MAIN. 2 LOFT BEDROOMS WITH SITTING AREA. VAULTED GREAT ROOM WITH WOOD BURNING FIREPLACE

18. 2026-05-15
    price $574,900

    Show marketing remark (323 chars)

    THIS UNIT MAY BE USED AS A RENTAL OR PERSONAL HOME BUILT IN 2017. WHITE CEDAR LOG SIDING AND RAILING, WHITE CEDAR IS ROT AND PEST RESISTANT. 2 INCH PINE TONGUE & GROOVE CEILING AND SOFFITS. 2 PRIMARY BEDROOMS EACH WITH FULL BATH ON MAIN. 2 LOFT BEDROOMS WITH SITTING AREA. VAULTED GREAT ROOM WITH WOOD BURNING FIREPLACE

19. 2026-04-17
    price $599,900 325-char remark

    Show marketing remark (323 chars)

    THIS UNIT MAY BE USED AS A RENTAL OR PERSONAL HOME BUILT IN 2017. WHITE CEDAR LOG SIDING AND RAILING, WHITE CEDAR IS ROT AND PEST RESISTANT. 2 INCH PINE TONGUE & GROOVE CEILING AND SOFFITS. 2 PRIMARY BEDROOMS EACH WITH FULL BATH ON MAIN. 2 LOFT BEDROOMS WITH SITTING AREA. VAULTED GREAT ROOM WITH WOOD BURNING FIREPLACE

20. 2026-04-17
    price $599,900 323-char remark

    Show marketing remark (323 chars)

    THIS UNIT MAY BE USED AS A RENTAL OR PERSONAL HOME BUILT IN 2017. WHITE CEDAR LOG SIDING AND RAILING, WHITE CEDAR IS ROT AND PEST RESISTANT. 2 INCH PINE TONGUE & GROOVE CEILING AND SOFFITS. 2 PRIMARY BEDROOMS EACH WITH FULL BATH ON MAIN. 2 LOFT BEDROOMS WITH SITTING AREA. VAULTED GREAT ROOM WITH WOOD BURNING FIREPLACE

21. 2026-04-17
    price $599,900

    Show marketing remark (323 chars)

    THIS UNIT MAY BE USED AS A RENTAL OR PERSONAL HOME BUILT IN 2017. WHITE CEDAR LOG SIDING AND RAILING, WHITE CEDAR IS ROT AND PEST RESISTANT. 2 INCH PINE TONGUE & GROOVE CEILING AND SOFFITS. 2 PRIMARY BEDROOMS EACH WITH FULL BATH ON MAIN. 2 LOFT BEDROOMS WITH SITTING AREA. VAULTED GREAT ROOM WITH WOOD BURNING FIREPLACE

22. 2026-03-17
    price $674,900 325-char remark

    Show marketing remark (325 chars)

    THIS UNIT MAY BE USED AS A RENTAL OR PERSONAL HOME BUILT IN 2017. WHITE CEDAR LOG SIDING AND RAILING, WHITE CEDAR IS ROT AND PEST RESISTANT. 2 INCH PINE TONGUE & GROOVE CEILING AND SOFFITS. 2 PRIMARY BEDROOMS EACH WITH FULL BATH ON MAIN. 2 LOFT BEDROOMS WITH SITTING AREA. VAULTED GREAT ROOM WITH WOOD BURNING FIREPLACE

23. 2026-03-17
    price $674,900

    Show marketing remark (325 chars)

    THIS UNIT MAY BE USED AS A RENTAL OR PERSONAL HOME BUILT IN 2017. WHITE CEDAR LOG SIDING AND RAILING, WHITE CEDAR IS ROT AND PEST RESISTANT. 2 INCH PINE TONGUE & GROOVE CEILING AND SOFFITS. 2 PRIMARY BEDROOMS EACH WITH FULL BATH ON MAIN. 2 LOFT BEDROOMS WITH SITTING AREA. VAULTED GREAT ROOM WITH WOOD BURNING FIREPLACE

24. 2026-01-23
    price $689,900 325-char remark

    Show marketing remark (325 chars)

    THIS UNIT MAY BE USED AS A RENTAL OR PERSONAL HOME BUILT IN 2017. WHITE CEDAR LOG SIDING AND RAILING, WHITE CEDAR IS ROT AND PEST RESISTANT. 2 INCH PINE TONGUE & GROOVE CEILING AND SOFFITS. 2 PRIMARY BEDROOMS EACH WITH FULL BATH ON MAIN. 2 LOFT BEDROOMS WITH SITTING AREA. VAULTED GREAT ROOM WITH WOOD BURNING FIREPLACE

25. 2026-01-23
    price $689,900

    Show marketing remark (325 chars)

    THIS UNIT MAY BE USED AS A RENTAL OR PERSONAL HOME BUILT IN 2017. WHITE CEDAR LOG SIDING AND RAILING, WHITE CEDAR IS ROT AND PEST RESISTANT. 2 INCH PINE TONGUE & GROOVE CEILING AND SOFFITS. 2 PRIMARY BEDROOMS EACH WITH FULL BATH ON MAIN. 2 LOFT BEDROOMS WITH SITTING AREA. VAULTED GREAT ROOM WITH WOOD BURNING FIREPLACE

26. 2025-12-24
    price $699,900 325-char remark

    Show marketing remark (325 chars)

    THIS UNIT MAY BE USED AS A RENTAL OR PERSONAL HOME BUILT IN 2017. WHITE CEDAR LOG SIDING AND RAILING, WHITE CEDAR IS ROT AND PEST RESISTANT. 2 INCH PINE TONGUE & GROOVE CEILING AND SOFFITS. 2 PRIMARY BEDROOMS EACH WITH FULL BATH ON MAIN. 2 LOFT BEDROOMS WITH SITTING AREA. VAULTED GREAT ROOM WITH WOOD BURNING FIREPLACE

27. 2025-12-24
    price $699,900

    Show marketing remark (325 chars)

    THIS UNIT MAY BE USED AS A RENTAL OR PERSONAL HOME BUILT IN 2017. WHITE CEDAR LOG SIDING AND RAILING, WHITE CEDAR IS ROT AND PEST RESISTANT. 2 INCH PINE TONGUE & GROOVE CEILING AND SOFFITS. 2 PRIMARY BEDROOMS EACH WITH FULL BATH ON MAIN. 2 LOFT BEDROOMS WITH SITTING AREA. VAULTED GREAT ROOM WITH WOOD BURNING FIREPLACE

28. 2025-11-25
    price $709,900 325-char remark

    Show marketing remark (325 chars)

    THIS UNIT MAY BE USED AS A RENTAL OR PERSONAL HOME BUILT IN 2017. WHITE CEDAR LOG SIDING AND RAILING, WHITE CEDAR IS ROT AND PEST RESISTANT. 2 INCH PINE TONGUE & GROOVE CEILING AND SOFFITS. 2 PRIMARY BEDROOMS EACH WITH FULL BATH ON MAIN. 2 LOFT BEDROOMS WITH SITTING AREA. VAULTED GREAT ROOM WITH WOOD BURNING FIREPLACE

29. 2025-11-25
    price $709,900

    Show marketing remark (325 chars)

    THIS UNIT MAY BE USED AS A RENTAL OR PERSONAL HOME BUILT IN 2017. WHITE CEDAR LOG SIDING AND RAILING, WHITE CEDAR IS ROT AND PEST RESISTANT. 2 INCH PINE TONGUE & GROOVE CEILING AND SOFFITS. 2 PRIMARY BEDROOMS EACH WITH FULL BATH ON MAIN. 2 LOFT BEDROOMS WITH SITTING AREA. VAULTED GREAT ROOM WITH WOOD BURNING FIREPLACE

30. 2025-10-23
    price $729,900 325-char remark

    Show marketing remark (325 chars)

    THIS UNIT MAY BE USED AS A RENTAL OR PERSONAL HOME BUILT IN 2017. WHITE CEDAR LOG SIDING AND RAILING, WHITE CEDAR IS ROT AND PEST RESISTANT. 2 INCH PINE TONGUE & GROOVE CEILING AND SOFFITS. 2 PRIMARY BEDROOMS EACH WITH FULL BATH ON MAIN. 2 LOFT BEDROOMS WITH SITTING AREA. VAULTED GREAT ROOM WITH WOOD BURNING FIREPLACE

31. 2025-10-23
    price $729,900

    Show marketing remark (325 chars)

    THIS UNIT MAY BE USED AS A RENTAL OR PERSONAL HOME BUILT IN 2017. WHITE CEDAR LOG SIDING AND RAILING, WHITE CEDAR IS ROT AND PEST RESISTANT. 2 INCH PINE TONGUE & GROOVE CEILING AND SOFFITS. 2 PRIMARY BEDROOMS EACH WITH FULL BATH ON MAIN. 2 LOFT BEDROOMS WITH SITTING AREA. VAULTED GREAT ROOM WITH WOOD BURNING FIREPLACE

32. 2025-09-24
    price $749,900 325-char remark

    Show marketing remark (325 chars)

    THIS UNIT MAY BE USED AS A RENTAL OR PERSONAL HOME BUILT IN 2017. WHITE CEDAR LOG SIDING AND RAILING, WHITE CEDAR IS ROT AND PEST RESISTANT. 2 INCH PINE TONGUE & GROOVE CEILING AND SOFFITS. 2 PRIMARY BEDROOMS EACH WITH FULL BATH ON MAIN. 2 LOFT BEDROOMS WITH SITTING AREA. VAULTED GREAT ROOM WITH WOOD BURNING FIREPLACE

33. 2025-09-24
    price $749,900

    Show marketing remark (325 chars)

    THIS UNIT MAY BE USED AS A RENTAL OR PERSONAL HOME BUILT IN 2017. WHITE CEDAR LOG SIDING AND RAILING, WHITE CEDAR IS ROT AND PEST RESISTANT. 2 INCH PINE TONGUE & GROOVE CEILING AND SOFFITS. 2 PRIMARY BEDROOMS EACH WITH FULL BATH ON MAIN. 2 LOFT BEDROOMS WITH SITTING AREA. VAULTED GREAT ROOM WITH WOOD BURNING FIREPLACE

34. 2025-08-26
    price $759,900

    Show marketing remark (325 chars)

    THIS UNIT MAY BE USED AS A RENTAL OR PERSONAL HOME BUILT IN 2017. WHITE CEDAR LOG SIDING AND RAILING, WHITE CEDAR IS ROT AND PEST RESISTANT. 2 INCH PINE TONGUE & GROOVE CEILING AND SOFFITS. 2 PRIMARY BEDROOMS EACH WITH FULL BATH ON MAIN. 2 LOFT BEDROOMS WITH SITTING AREA. VAULTED GREAT ROOM WITH WOOD BURNING FIREPLACE

35. 2025-08-26
    price $759,900 325-char remark

    Show marketing remark (325 chars)

    THIS UNIT MAY BE USED AS A RENTAL OR PERSONAL HOME BUILT IN 2017. WHITE CEDAR LOG SIDING AND RAILING, WHITE CEDAR IS ROT AND PEST RESISTANT. 2 INCH PINE TONGUE & GROOVE CEILING AND SOFFITS. 2 PRIMARY BEDROOMS EACH WITH FULL BATH ON MAIN. 2 LOFT BEDROOMS WITH SITTING AREA. VAULTED GREAT ROOM WITH WOOD BURNING FIREPLACE

36. 2025-07-27
    price $789,900 325-char remark

    Show marketing remark (325 chars)

    THIS UNIT MAY BE USED AS A RENTAL OR PERSONAL HOME BUILT IN 2017. WHITE CEDAR LOG SIDING AND RAILING, WHITE CEDAR IS ROT AND PEST RESISTANT. 2 INCH PINE TONGUE & GROOVE CEILING AND SOFFITS. 2 PRIMARY BEDROOMS EACH WITH FULL BATH ON MAIN. 2 LOFT BEDROOMS WITH SITTING AREA. VAULTED GREAT ROOM WITH WOOD BURNING FIREPLACE

37. 2025-07-27
    price $789,900

    Show marketing remark (325 chars)

    THIS UNIT MAY BE USED AS A RENTAL OR PERSONAL HOME BUILT IN 2017. WHITE CEDAR LOG SIDING AND RAILING, WHITE CEDAR IS ROT AND PEST RESISTANT. 2 INCH PINE TONGUE & GROOVE CEILING AND SOFFITS. 2 PRIMARY BEDROOMS EACH WITH FULL BATH ON MAIN. 2 LOFT BEDROOMS WITH SITTING AREA. VAULTED GREAT ROOM WITH WOOD BURNING FIREPLACE

38. 2025-06-27
    listed $674,900 Active 323-char remark

    Show marketing remark (323 chars)

    THIS UNIT MAY BE USED AS A RENTAL OR PERSONAL HOME BUILT IN 2017. WHITE CEDAR LOG SIDING AND RAILING, WHITE CEDAR IS ROT AND PEST RESISTANT. 2 INCH PINE TONGUE & GROOVE CEILING AND SOFFITS. 2 PRIMARY BEDROOMS EACH WITH FULL BATH ON MAIN. 2 LOFT BEDROOMS WITH SITTING AREA. VAULTED GREAT ROOM WITH WOOD BURNING FIREPLACE

39. 2025-06-26
    listed $799,900 Active 325-char remark

    Show marketing remark (325 chars)

    THIS UNIT MAY BE USED AS A RENTAL OR PERSONAL HOME BUILT IN 2017. WHITE CEDAR LOG SIDING AND RAILING, WHITE CEDAR IS ROT AND PEST RESISTANT. 2 INCH PINE TONGUE & GROOVE CEILING AND SOFFITS. 2 PRIMARY BEDROOMS EACH WITH FULL BATH ON MAIN. 2 LOFT BEDROOMS WITH SITTING AREA. VAULTED GREAT ROOM WITH WOOD BURNING FIREPLACE

40. 2025-06-26
    listed $799,900 Active

    Show marketing remark (325 chars)

    THIS UNIT MAY BE USED AS A RENTAL OR PERSONAL HOME BUILT IN 2017. WHITE CEDAR LOG SIDING AND RAILING, WHITE CEDAR IS ROT AND PEST RESISTANT. 2 INCH PINE TONGUE & GROOVE CEILING AND SOFFITS. 2 PRIMARY BEDROOMS EACH WITH FULL BATH ON MAIN. 2 LOFT BEDROOMS WITH SITTING AREA. VAULTED GREAT ROOM WITH WOOD BURNING FIREPLACE

41. 2022-06-03
    soldstatus $912,500 Closed
42. 2022-05-05
    historical Pending - Continue to Show - Financing
43. 2022-04-27
    price $899,999
44. 2022-04-26
    status Active
45. 2022-03-21
    historical Pending - Continue to Show - Financing
46. 2022-03-17
    listed $950,000 Active
47. 2022-03-11
    historical $950,000
48. 2019-04-23
    soldstatus $39,500
49. 2019-04-19
    soldstatus $39,500 Closed
50. 2019-04-11
    historical Pending - Continue to Show

ⓘ 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: $2,092 · $174/mo
• Projected year-2 tax: $4,082 · $340/mo
• Expected delta: +$1,990/yr (+$166/mo · 95.1%)

ⓘ 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 5/10 Major
• 🌡 Heat 5/10 Major 7 d/yr ≥100°F today · 22 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 4/10 Moderate 5 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $26,579
• − Mortgage interest: −$32,203
• − Property taxes: −$2,092
• − Insurance: −$2,874
• − Repairs & maintenance: −$2,126
• − Management: −$2,126
• − HOA: −$504
• − Depreciation: −$16,724
• Taxable loss: −$32,072
• Est. tax savings @ 24.0%: +$7,697
• After-tax cash flow: $-12,954/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 — Gatlinburg

• Score: 73/100
• State rank: #27
• US rank: #5524

Category grades

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

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

+2199.6% since first listed

41 events — show timeline

• 2026-05-15 Price Changed $574,900 GSMAR
• 2026-05-15 Price Changed $574,900 REALTRACS as Distributed by MLS Grid
• 2026-05-15 Price Changed $574,900 Knoxville MLS
• 2026-04-17 Price Changed $599,900 GSMAR
• 2026-04-17 Price Changed $599,900 REALTRACS as Distributed by MLS Grid
• 2026-04-17 Price Changed $599,900 Knoxville MLS
• 2026-03-17 Price Changed $674,900 GSMAR
• 2026-03-17 Price Changed $674,900 Knoxville MLS
• 2026-01-23 Price Changed $689,900 GSMAR
• 2026-01-23 Price Changed $689,900 Knoxville MLS
• 2025-12-24 Price Changed $699,900 GSMAR
• 2025-12-24 Price Changed $699,900 Knoxville MLS
• 2025-11-25 Price Changed $709,900 GSMAR
• 2025-11-25 Price Changed $709,900 Knoxville MLS
• 2025-10-23 Price Changed $729,900 GSMAR
• 2025-10-23 Price Changed $729,900 Knoxville MLS
• 2025-09-24 Price Changed $749,900 GSMAR
• 2025-09-24 Price Changed $749,900 Knoxville MLS
• 2025-08-26 Price Changed $759,900 Knoxville MLS
• 2025-08-26 Price Changed $759,900 GSMAR
• 2025-07-27 Price Changed $789,900 GSMAR
• 2025-07-27 Price Changed $789,900 Knoxville MLS
• 2025-06-27 Listed $674,900 REALTRACS as Distributed by MLS Grid
• 2025-06-26 Listed $799,900 Knoxville MLS
• 2025-06-26 Listed $799,900 GSMAR
• 2022-06-03 Sold (MLS) $912,500 Knoxville MLS
• 2022-05-05 Contingent — Knoxville MLS
• 2022-04-27 Price Changed $899,999 Knoxville MLS
• 2022-04-26 Relisted — Knoxville MLS
• 2022-03-21 Contingent — Knoxville MLS
• 2022-03-17 Listed $950,000 Knoxville MLS
• 2022-03-11 Coming Soon $950,000 Knoxville MLS
• 2019-04-23 Sold (MLS) $39,500 GSMAR
• 2019-04-19 Sold (MLS) $39,500 Knoxville MLS
• 2019-04-11 Contingent — Knoxville MLS
• 2019-02-04 Listed $55,000 Knoxville MLS
• 2018-03-18 Listing Removed — Knoxville MLS
• 2017-03-31 Listed $45,000 Knoxville MLS
• 2017-03-31 Price Changed $40,000 Knoxville MLS
• 2017-03-31 Listed $40,000 GSMAR
• 2013-11-21 Sold (Public Records) $25,000 Public Records

Property tax history

+26.8%/yr

Latest (2025): $2,092 · +0.0% YoY. Source: county tax records.