2114 Main St · Surgoinsville, TN 37873

$129,999

3 bd · 1.0 ba · 1,167 sqft · SingleFamily public records · 609 Days on market

Built 1930 $111/sqft · 25% below area Est $174k · 25% under ↓ 21% since listing

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Why this score? — see what drove the A- 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 +30.0/30.0
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Appreciation +7.7/10.0
• Livability +3.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.0/10.0

Listing remarks MLS

PRE APPROVED BUYERS ONLY! Was a former rental and can be a great source of rental income in the future! Located right in the heart of Surgoinsville this 2-3 bedroom, 1 bath home is close to everything in the town of Surgoinsville. This home sits right on main street and is right beside the Dairy Mart. This home was built in 1930 and offers approx 1,167+/- square ft. There is laminate flooring throughout, a open kitchen with plenty of cabinets space, an electric oven and a refrigerator. The windows are updated double pane and the electrical box has been updated to breakers. The water heater is electric and the home is heated and cooled by a 1 unit heating and cooling located in the living room. The home does not have an HVAC system and may not qualify for all loans due to this. The roof is asphalt shingle and the age is unkk=now. there has been a recent survey on this property so property lines are lot dimensions are APPROX in pics with re lines. There is a survey on file( see pink stakes) and it has been approved by the city of Surgoinsville. This home IS NOT FOR RENT! This is also a great commercial location as its passed by a high traffic count and is on a high visibility location! Pre approved buyers only can call or preview this home with an agent. The seller welcomes all offers. ALL OF THIS INFORMATION WAS TAKEN FROM THE SELLER AND ONLINE COURTHOUSE RECORDS. It is the absolute and sole responsibility of THE BUYER'S AGENT and THE BUYER to verify ALL OF THE INFORMATION REPRESENTED IN THIS LISTING! High visibility with huge commercial potential. Great location! Passed by 100s of cars a day! Right on Main Street! * AGENTS, all appts call showing time!

Key facts

• Built 1930
• Listed 609 days

🏷️ Possibly a rental listed for sale. The $129,999 price doesn't fit this home's estimated sale value (~$173,625) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $130k.

Deal economics

• At list price, monthly cash flow is $1k ($13k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $130k).
• Recommended offer: $114k (12.0% below list) — sets the bar for market timing.
• Cap rate 16.2% vs local median 4.5% in Surgoinsville — 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 60/100 on livability (#270 in TN) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A, crime B; Watch: schools F, amenities F, commute F.
• Hawkins County (rural): math 23% / reading 26% proficiency, ranked #93 of 139 in TN (top 67%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 26 active listings in the ZIP; 151 units permitted in Hawkins County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $8k of equity ($899 loan paydown + $7k appreciation (5.3% local appreciation)).
• Hawkins County population projected at -17% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (5.3% appreciation + 3.0% rent growth), your $36k cash investment doubles in ~2 years — after that, you're playing with house money.
• By year 5, 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 609 days — a 12% lower offer ($114k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 2y ago; this cycle's ask has dropped $35k (21%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1930 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: moderate wildfire risk; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $114,399 (12.0% below list)

Questions for the listing agent

1. It's been on market 609 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1930 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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. 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?
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: 1.79% ✓
• Cap rate: 16.23%
• Cash-on-cash: 35.50%
• DSCR: 2.58
• GRM: 4.7

CMA / ARV

• ARV (median comp): $173,625
• List price: $129,999
• Delta: -25.13%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
309 Hill Ave	0.47mi	3/2.5	1,302 (+12%)	3mo	$250,000	$192	51
2010 Main St	0.16mi	3/2.0	992 (-15%)	18mo	$128,500	$130	48
130 Pine St	0.58mi	3/1.0	1,056 (-10%)	12mo	$180,000	$170	47

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

Projected returns pro-forma

5.35% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 44.7%
• Equity multiple: 3.78×
• Total profit: $101,120
• Equity at exit: $76,462

10-year hold

• IRR: 42.3%
• Equity multiple: 7.73×
• Total profit: $245,150
• Equity at exit: $134,333

Cash invested: $36,400 (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 37873

• Home prices YoY: 1.6%
• Active inventory: 26
• Price-to-rent: 4.7×

Monthly cashflow live

• Estimated rent: $2,327 medium
• Mortgage (P&I): −$682
• Tax from tax record: −$26 /mo · $310/yr
• Insurance: −$54
• HOA: −$0
• Vacancy / Maint / Mgmt: −$489
• Net cashflow: $1,077

Break-even live

Break-even rent $964

Max offer price $129,999

Occupancy floor 49%

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: $32,500
• Closing costs: $3,900
• Reserves months: —
• Total cash needed: —

Listing history 29 events

1. 2026-06-19
   days on market $129,999 Active 609 DOM
2. 2026-06-18
   days on market $129,999 Active 608 DOM
3. 2026-06-17
   days on market $129,999 Active 607 DOM
4. 2026-06-16
   days on market $129,999 Active 606 DOM
5. 2026-06-15
   days on market $129,999 Active 605 DOM
6. 2026-06-14
   days on market $129,999 Active 603 DOM
7. 2026-06-13
   days on market $129,999 Active 602 DOM
8. 2026-06-10
   days on market $129,999 Active 600 DOM
9. 2026-06-09
   days on market $129,999 Active 599 DOM
10. 2026-06-08
    days on market $129,999 Active 598 DOM
11. 2026-06-07
    days on market $129,999 Active 597 DOM
12. 2026-06-05
    days on market $129,999 Active 594 DOM
13. 2026-06-02
    days on market $129,999 Active 592 DOM
14. 2026-06-01
    days on market $129,999 Active 591 DOM
15. 2026-05-31
    days on market $129,999 Active 590 DOM
16. 2026-05-30
    days on market $129,999 Active 589 DOM
17. 2026-03-15
    status Active 1689-char remark

    Show marketing remark (1689 chars)

    PRE APPROVED BUYERS ONLY! Was a former rental and can be a great source of rental income in the future! Located right in the heart of Surgoinsville this 2-3 bedroom, 1 bath home is close to everything in the town of Surgoinsville. This home sits right on main street and is right beside the Dairy Mart. This home was built in 1930 and offers approx 1,167+/- square ft. There is laminate flooring throughout, a open kitchen with plenty of cabinets space, an electric oven and a refrigerator. The windows are updated double pane and the electrical box has been updated to breakers. The water heater is electric and the home is heated and cooled by a 1 unit heating and cooling located in the living room. The home does not have an HVAC system and may not qualify for all loans due to this. The roof is asphalt shingle and the age is unkk=now. there has been a recent survey on this property so property lines are lot dimensions are APPROX in pics with re lines. There is a survey on file( see pink stakes) and it has been approved by the city of Surgoinsville. This home IS NOT FOR RENT! This is also a great commercial location as its passed by a high traffic count and is on a high visibility location! Pre approved buyers only can call or preview this home with an agent. The seller welcomes all offers. ALL OF THIS INFORMATION WAS TAKEN FROM THE SELLER AND ONLINE COURTHOUSE RECORDS. It is the absolute and sole responsibility of THE BUYER'S AGENT and THE BUYER to verify ALL OF THE INFORMATION REPRESENTED IN THIS LISTING! High visibility with huge commercial potential. Great location! Passed by 100s of cars a day! Right on Main Street! * AGENTS, all appts call showing time!

18. 2026-03-15
    historical 1689-char remark

    Show marketing remark (1689 chars)

    PRE APPROVED BUYERS ONLY! Was a former rental and can be a great source of rental income in the future! Located right in the heart of Surgoinsville this 2-3 bedroom, 1 bath home is close to everything in the town of Surgoinsville. This home sits right on main street and is right beside the Dairy Mart. This home was built in 1930 and offers approx 1,167+/- square ft. There is laminate flooring throughout, a open kitchen with plenty of cabinets space, an electric oven and a refrigerator. The windows are updated double pane and the electrical box has been updated to breakers. The water heater is electric and the home is heated and cooled by a 1 unit heating and cooling located in the living room. The home does not have an HVAC system and may not qualify for all loans due to this. The roof is asphalt shingle and the age is unkk=now. there has been a recent survey on this property so property lines are lot dimensions are APPROX in pics with re lines. There is a survey on file( see pink stakes) and it has been approved by the city of Surgoinsville. This home IS NOT FOR RENT! This is also a great commercial location as its passed by a high traffic count and is on a high visibility location! Pre approved buyers only can call or preview this home with an agent. The seller welcomes all offers. ALL OF THIS INFORMATION WAS TAKEN FROM THE SELLER AND ONLINE COURTHOUSE RECORDS. It is the absolute and sole responsibility of THE BUYER'S AGENT and THE BUYER to verify ALL OF THE INFORMATION REPRESENTED IN THIS LISTING! High visibility with huge commercial potential. Great location! Passed by 100s of cars a day! Right on Main Street! * AGENTS, all appts call showing time!

19. 2026-01-18
    status Active 1689-char remark

    Show marketing remark (1689 chars)

    PRE APPROVED BUYERS ONLY! Was a former rental and can be a great source of rental income in the future! Located right in the heart of Surgoinsville this 2-3 bedroom, 1 bath home is close to everything in the town of Surgoinsville. This home sits right on main street and is right beside the Dairy Mart. This home was built in 1930 and offers approx 1,167+/- square ft. There is laminate flooring throughout, a open kitchen with plenty of cabinets space, an electric oven and a refrigerator. The windows are updated double pane and the electrical box has been updated to breakers. The water heater is electric and the home is heated and cooled by a 1 unit heating and cooling located in the living room. The home does not have an HVAC system and may not qualify for all loans due to this. The roof is asphalt shingle and the age is unkk=now. there has been a recent survey on this property so property lines are lot dimensions are APPROX in pics with re lines. There is a survey on file( see pink stakes) and it has been approved by the city of Surgoinsville. This home IS NOT FOR RENT! This is also a great commercial location as its passed by a high traffic count and is on a high visibility location! Pre approved buyers only can call or preview this home with an agent. The seller welcomes all offers. ALL OF THIS INFORMATION WAS TAKEN FROM THE SELLER AND ONLINE COURTHOUSE RECORDS. It is the absolute and sole responsibility of THE BUYER'S AGENT and THE BUYER to verify ALL OF THE INFORMATION REPRESENTED IN THIS LISTING! High visibility with huge commercial potential. Great location! Passed by 100s of cars a day! Right on Main Street! * AGENTS, all appts call showing time!

20. 2026-01-18
    historical 1689-char remark

    Show marketing remark (1689 chars)

    PRE APPROVED BUYERS ONLY! Was a former rental and can be a great source of rental income in the future! Located right in the heart of Surgoinsville this 2-3 bedroom, 1 bath home is close to everything in the town of Surgoinsville. This home sits right on main street and is right beside the Dairy Mart. This home was built in 1930 and offers approx 1,167+/- square ft. There is laminate flooring throughout, a open kitchen with plenty of cabinets space, an electric oven and a refrigerator. The windows are updated double pane and the electrical box has been updated to breakers. The water heater is electric and the home is heated and cooled by a 1 unit heating and cooling located in the living room. The home does not have an HVAC system and may not qualify for all loans due to this. The roof is asphalt shingle and the age is unkk=now. there has been a recent survey on this property so property lines are lot dimensions are APPROX in pics with re lines. There is a survey on file( see pink stakes) and it has been approved by the city of Surgoinsville. This home IS NOT FOR RENT! This is also a great commercial location as its passed by a high traffic count and is on a high visibility location! Pre approved buyers only can call or preview this home with an agent. The seller welcomes all offers. ALL OF THIS INFORMATION WAS TAKEN FROM THE SELLER AND ONLINE COURTHOUSE RECORDS. It is the absolute and sole responsibility of THE BUYER'S AGENT and THE BUYER to verify ALL OF THE INFORMATION REPRESENTED IN THIS LISTING! High visibility with huge commercial potential. Great location! Passed by 100s of cars a day! Right on Main Street! * AGENTS, all appts call showing time!

21. 2026-01-12
    price $129,999 1689-char remark

    Show marketing remark (1689 chars)

    PRE APPROVED BUYERS ONLY! Was a former rental and can be a great source of rental income in the future! Located right in the heart of Surgoinsville this 2-3 bedroom, 1 bath home is close to everything in the town of Surgoinsville. This home sits right on main street and is right beside the Dairy Mart. This home was built in 1930 and offers approx 1,167+/- square ft. There is laminate flooring throughout, a open kitchen with plenty of cabinets space, an electric oven and a refrigerator. The windows are updated double pane and the electrical box has been updated to breakers. The water heater is electric and the home is heated and cooled by a 1 unit heating and cooling located in the living room. The home does not have an HVAC system and may not qualify for all loans due to this. The roof is asphalt shingle and the age is unkk=now. there has been a recent survey on this property so property lines are lot dimensions are APPROX in pics with re lines. There is a survey on file( see pink stakes) and it has been approved by the city of Surgoinsville. This home IS NOT FOR RENT! This is also a great commercial location as its passed by a high traffic count and is on a high visibility location! Pre approved buyers only can call or preview this home with an agent. The seller welcomes all offers. ALL OF THIS INFORMATION WAS TAKEN FROM THE SELLER AND ONLINE COURTHOUSE RECORDS. It is the absolute and sole responsibility of THE BUYER'S AGENT and THE BUYER to verify ALL OF THE INFORMATION REPRESENTED IN THIS LISTING! High visibility with huge commercial potential. Great location! Passed by 100s of cars a day! Right on Main Street! * AGENTS, all appts call showing time!

22. 2025-12-23
    price $139,999 1689-char remark

    Show marketing remark (1689 chars)

    PRE APPROVED BUYERS ONLY! Was a former rental and can be a great source of rental income in the future! Located right in the heart of Surgoinsville this 2-3 bedroom, 1 bath home is close to everything in the town of Surgoinsville. This home sits right on main street and is right beside the Dairy Mart. This home was built in 1930 and offers approx 1,167+/- square ft. There is laminate flooring throughout, a open kitchen with plenty of cabinets space, an electric oven and a refrigerator. The windows are updated double pane and the electrical box has been updated to breakers. The water heater is electric and the home is heated and cooled by a 1 unit heating and cooling located in the living room. The home does not have an HVAC system and may not qualify for all loans due to this. The roof is asphalt shingle and the age is unkk=now. there has been a recent survey on this property so property lines are lot dimensions are APPROX in pics with re lines. There is a survey on file( see pink stakes) and it has been approved by the city of Surgoinsville. This home IS NOT FOR RENT! This is also a great commercial location as its passed by a high traffic count and is on a high visibility location! Pre approved buyers only can call or preview this home with an agent. The seller welcomes all offers. ALL OF THIS INFORMATION WAS TAKEN FROM THE SELLER AND ONLINE COURTHOUSE RECORDS. It is the absolute and sole responsibility of THE BUYER'S AGENT and THE BUYER to verify ALL OF THE INFORMATION REPRESENTED IN THIS LISTING! High visibility with huge commercial potential. Great location! Passed by 100s of cars a day! Right on Main Street! * AGENTS, all appts call showing time!

23. 2025-09-21
    status Active 1689-char remark

    Show marketing remark (1689 chars)

    PRE APPROVED BUYERS ONLY! Was a former rental and can be a great source of rental income in the future! Located right in the heart of Surgoinsville this 2-3 bedroom, 1 bath home is close to everything in the town of Surgoinsville. This home sits right on main street and is right beside the Dairy Mart. This home was built in 1930 and offers approx 1,167+/- square ft. There is laminate flooring throughout, a open kitchen with plenty of cabinets space, an electric oven and a refrigerator. The windows are updated double pane and the electrical box has been updated to breakers. The water heater is electric and the home is heated and cooled by a 1 unit heating and cooling located in the living room. The home does not have an HVAC system and may not qualify for all loans due to this. The roof is asphalt shingle and the age is unkk=now. there has been a recent survey on this property so property lines are lot dimensions are APPROX in pics with re lines. There is a survey on file( see pink stakes) and it has been approved by the city of Surgoinsville. This home IS NOT FOR RENT! This is also a great commercial location as its passed by a high traffic count and is on a high visibility location! Pre approved buyers only can call or preview this home with an agent. The seller welcomes all offers. ALL OF THIS INFORMATION WAS TAKEN FROM THE SELLER AND ONLINE COURTHOUSE RECORDS. It is the absolute and sole responsibility of THE BUYER'S AGENT and THE BUYER to verify ALL OF THE INFORMATION REPRESENTED IN THIS LISTING! High visibility with huge commercial potential. Great location! Passed by 100s of cars a day! Right on Main Street! * AGENTS, all appts call showing time!

24. 2025-09-21
    historical 1689-char remark

    Show marketing remark (1689 chars)

    PRE APPROVED BUYERS ONLY! Was a former rental and can be a great source of rental income in the future! Located right in the heart of Surgoinsville this 2-3 bedroom, 1 bath home is close to everything in the town of Surgoinsville. This home sits right on main street and is right beside the Dairy Mart. This home was built in 1930 and offers approx 1,167+/- square ft. There is laminate flooring throughout, a open kitchen with plenty of cabinets space, an electric oven and a refrigerator. The windows are updated double pane and the electrical box has been updated to breakers. The water heater is electric and the home is heated and cooled by a 1 unit heating and cooling located in the living room. The home does not have an HVAC system and may not qualify for all loans due to this. The roof is asphalt shingle and the age is unkk=now. there has been a recent survey on this property so property lines are lot dimensions are APPROX in pics with re lines. There is a survey on file( see pink stakes) and it has been approved by the city of Surgoinsville. This home IS NOT FOR RENT! This is also a great commercial location as its passed by a high traffic count and is on a high visibility location! Pre approved buyers only can call or preview this home with an agent. The seller welcomes all offers. ALL OF THIS INFORMATION WAS TAKEN FROM THE SELLER AND ONLINE COURTHOUSE RECORDS. It is the absolute and sole responsibility of THE BUYER'S AGENT and THE BUYER to verify ALL OF THE INFORMATION REPRESENTED IN THIS LISTING! High visibility with huge commercial potential. Great location! Passed by 100s of cars a day! Right on Main Street! * AGENTS, all appts call showing time!

25. 2025-08-22
    price $149,999 1689-char remark

    Show marketing remark (1689 chars)

    PRE APPROVED BUYERS ONLY! Was a former rental and can be a great source of rental income in the future! Located right in the heart of Surgoinsville this 2-3 bedroom, 1 bath home is close to everything in the town of Surgoinsville. This home sits right on main street and is right beside the Dairy Mart. This home was built in 1930 and offers approx 1,167+/- square ft. There is laminate flooring throughout, a open kitchen with plenty of cabinets space, an electric oven and a refrigerator. The windows are updated double pane and the electrical box has been updated to breakers. The water heater is electric and the home is heated and cooled by a 1 unit heating and cooling located in the living room. The home does not have an HVAC system and may not qualify for all loans due to this. The roof is asphalt shingle and the age is unkk=now. there has been a recent survey on this property so property lines are lot dimensions are APPROX in pics with re lines. There is a survey on file( see pink stakes) and it has been approved by the city of Surgoinsville. This home IS NOT FOR RENT! This is also a great commercial location as its passed by a high traffic count and is on a high visibility location! Pre approved buyers only can call or preview this home with an agent. The seller welcomes all offers. ALL OF THIS INFORMATION WAS TAKEN FROM THE SELLER AND ONLINE COURTHOUSE RECORDS. It is the absolute and sole responsibility of THE BUYER'S AGENT and THE BUYER to verify ALL OF THE INFORMATION REPRESENTED IN THIS LISTING! High visibility with huge commercial potential. Great location! Passed by 100s of cars a day! Right on Main Street! * AGENTS, all appts call showing time!

26. 2025-05-26
    status Active 1689-char remark

    Show marketing remark (1689 chars)

    PRE APPROVED BUYERS ONLY! Was a former rental and can be a great source of rental income in the future! Located right in the heart of Surgoinsville this 2-3 bedroom, 1 bath home is close to everything in the town of Surgoinsville. This home sits right on main street and is right beside the Dairy Mart. This home was built in 1930 and offers approx 1,167+/- square ft. There is laminate flooring throughout, a open kitchen with plenty of cabinets space, an electric oven and a refrigerator. The windows are updated double pane and the electrical box has been updated to breakers. The water heater is electric and the home is heated and cooled by a 1 unit heating and cooling located in the living room. The home does not have an HVAC system and may not qualify for all loans due to this. The roof is asphalt shingle and the age is unkk=now. there has been a recent survey on this property so property lines are lot dimensions are APPROX in pics with re lines. There is a survey on file( see pink stakes) and it has been approved by the city of Surgoinsville. This home IS NOT FOR RENT! This is also a great commercial location as its passed by a high traffic count and is on a high visibility location! Pre approved buyers only can call or preview this home with an agent. The seller welcomes all offers. ALL OF THIS INFORMATION WAS TAKEN FROM THE SELLER AND ONLINE COURTHOUSE RECORDS. It is the absolute and sole responsibility of THE BUYER'S AGENT and THE BUYER to verify ALL OF THE INFORMATION REPRESENTED IN THIS LISTING! High visibility with huge commercial potential. Great location! Passed by 100s of cars a day! Right on Main Street! * AGENTS, all appts call showing time!

27. 2025-05-26
    historical 1689-char remark

    Show marketing remark (1689 chars)

    PRE APPROVED BUYERS ONLY! Was a former rental and can be a great source of rental income in the future! Located right in the heart of Surgoinsville this 2-3 bedroom, 1 bath home is close to everything in the town of Surgoinsville. This home sits right on main street and is right beside the Dairy Mart. This home was built in 1930 and offers approx 1,167+/- square ft. There is laminate flooring throughout, a open kitchen with plenty of cabinets space, an electric oven and a refrigerator. The windows are updated double pane and the electrical box has been updated to breakers. The water heater is electric and the home is heated and cooled by a 1 unit heating and cooling located in the living room. The home does not have an HVAC system and may not qualify for all loans due to this. The roof is asphalt shingle and the age is unkk=now. there has been a recent survey on this property so property lines are lot dimensions are APPROX in pics with re lines. There is a survey on file( see pink stakes) and it has been approved by the city of Surgoinsville. This home IS NOT FOR RENT! This is also a great commercial location as its passed by a high traffic count and is on a high visibility location! Pre approved buyers only can call or preview this home with an agent. The seller welcomes all offers. ALL OF THIS INFORMATION WAS TAKEN FROM THE SELLER AND ONLINE COURTHOUSE RECORDS. It is the absolute and sole responsibility of THE BUYER'S AGENT and THE BUYER to verify ALL OF THE INFORMATION REPRESENTED IN THIS LISTING! High visibility with huge commercial potential. Great location! Passed by 100s of cars a day! Right on Main Street! * AGENTS, all appts call showing time!

28. 2025-03-28
    price $159,999 1689-char remark

    Show marketing remark (1689 chars)

    PRE APPROVED BUYERS ONLY! Was a former rental and can be a great source of rental income in the future! Located right in the heart of Surgoinsville this 2-3 bedroom, 1 bath home is close to everything in the town of Surgoinsville. This home sits right on main street and is right beside the Dairy Mart. This home was built in 1930 and offers approx 1,167+/- square ft. There is laminate flooring throughout, a open kitchen with plenty of cabinets space, an electric oven and a refrigerator. The windows are updated double pane and the electrical box has been updated to breakers. The water heater is electric and the home is heated and cooled by a 1 unit heating and cooling located in the living room. The home does not have an HVAC system and may not qualify for all loans due to this. The roof is asphalt shingle and the age is unkk=now. there has been a recent survey on this property so property lines are lot dimensions are APPROX in pics with re lines. There is a survey on file( see pink stakes) and it has been approved by the city of Surgoinsville. This home IS NOT FOR RENT! This is also a great commercial location as its passed by a high traffic count and is on a high visibility location! Pre approved buyers only can call or preview this home with an agent. The seller welcomes all offers. ALL OF THIS INFORMATION WAS TAKEN FROM THE SELLER AND ONLINE COURTHOUSE RECORDS. It is the absolute and sole responsibility of THE BUYER'S AGENT and THE BUYER to verify ALL OF THE INFORMATION REPRESENTED IN THIS LISTING! High visibility with huge commercial potential. Great location! Passed by 100s of cars a day! Right on Main Street! * AGENTS, all appts call showing time!

29. 2024-10-18
    listed $165,000 Active 1689-char remark

    Show marketing remark (1689 chars)

    PRE APPROVED BUYERS ONLY! Was a former rental and can be a great source of rental income in the future! Located right in the heart of Surgoinsville this 2-3 bedroom, 1 bath home is close to everything in the town of Surgoinsville. This home sits right on main street and is right beside the Dairy Mart. This home was built in 1930 and offers approx 1,167+/- square ft. There is laminate flooring throughout, a open kitchen with plenty of cabinets space, an electric oven and a refrigerator. The windows are updated double pane and the electrical box has been updated to breakers. The water heater is electric and the home is heated and cooled by a 1 unit heating and cooling located in the living room. The home does not have an HVAC system and may not qualify for all loans due to this. The roof is asphalt shingle and the age is unkk=now. there has been a recent survey on this property so property lines are lot dimensions are APPROX in pics with re lines. There is a survey on file( see pink stakes) and it has been approved by the city of Surgoinsville. This home IS NOT FOR RENT! This is also a great commercial location as its passed by a high traffic count and is on a high visibility location! Pre approved buyers only can call or preview this home with an agent. The seller welcomes all offers. ALL OF THIS INFORMATION WAS TAKEN FROM THE SELLER AND ONLINE COURTHOUSE RECORDS. It is the absolute and sole responsibility of THE BUYER'S AGENT and THE BUYER to verify ALL OF THE INFORMATION REPRESENTED IN THIS LISTING! High visibility with huge commercial potential. Great location! Passed by 100s of cars a day! Right on Main Street! * AGENTS, all appts call showing time!

ⓘ 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: $310 · $26/mo
• Projected year-2 tax: $923 · $77/mo
• Expected delta: +$613/yr (+$51/mo · 197.7%)

ⓘ 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 ≥101°F today · 21 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $27,927
• − Mortgage interest: −$7,282
• − Property taxes: −$310
• − Insurance: −$650
• − Repairs & maintenance: −$2,234
• − Management: −$2,234
• − Depreciation: −$3,782
• Taxable income: $11,435
• Est. tax owed @ 24.0%: −$2,744
• After-tax cash flow: $10,177/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: Hawkins County
• NCES district ID: 4701740
• Math proficiency: 23% ▼ -9.00%
• Reading proficiency: 26% ▼ -6.00%
• Median HH income: $37,555
• Composite: 20.45/100
• National rank: #8581
• State rank: #93 of 139 in TN

Livability — Surgoinsville

• Score: 60/100
• State rank: #270
• US rank: #19003

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Surgoinsville, TN
• Population (ZIP): 4,446

Population outlook (Hawkins County) Hauer SSP2

• Today (2025): 55,226 people
• By 2030: 53,784 · -2.6%
• By 2040: 50,015 · -9.4%
• By 2050: 45,682 · -17.3%
• By 2075: 36,211 · -34.4%
• By 2100: 26,536 · -52.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (94%)
• Race & ethnicity: White 94% Two or more races 4% Hispanic / Latino 3%
• Common ancestry: Lithuanian 1% Italian 1% Slovak 1%
• Foreign-born: 1%
• Languages at home: 99% English-only · Spanish 1%

Political lean MEDSL · Hawkins

• 2024 margin: Solid R (+68.8) · D 15.2% · R 84.0%
• 2008→2024 swing: -26.9pp toward R · 2008: -42.0pp · 2024: -68.8pp
• All cycles: 2024: R+68.8 2020: R+65.8 2016: R+63.4 2012: R+47.0 2008: R+42.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 5.35%
• Current HPI: 345.0544
• Rent YoY: —
• Metro: —
• 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

-21.2% since first listed

13 events — show timeline

• 2026-03-15 Relisted — TVRMLS
• 2026-03-15 Delisted — TVRMLS
• 2026-01-18 Relisted — TVRMLS
• 2026-01-18 Delisted — TVRMLS
• 2026-01-12 Price Changed $129,999 TVRMLS
• 2025-12-23 Price Changed $139,999 TVRMLS
• 2025-09-21 Relisted — TVRMLS
• 2025-09-21 Delisted — TVRMLS
• 2025-08-22 Price Changed $149,999 TVRMLS
• 2025-05-26 Relisted — TVRMLS
• 2025-05-26 Delisted — TVRMLS
• 2025-03-28 Price Changed $159,999 TVRMLS
• 2024-10-18 Listed $165,000 TVRMLS

Property tax history

+0.6%/yr

Latest (2023): $310 · +0.3% YoY. Source: county tax records.