196 Ernie Roberts Rd, Rutledge, TN 37861 Property Records

Grainger County property record for 196 Ernie Roberts Rd, Rutledge, TN 37861

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,728 sqft · built 2021
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on File
Last Sale	$42,500 (Oct 2019)
Tax Bill	$1,784 (2025)
Deeds & Mortgages	May 2022 Line of Credit Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`029061G A 02700`

Property Details

APN / Parcel Number

Primary APN	`029061G A 02700`
Alternative APN	`061G A 02700`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,728 sqft Living Area
1st Floor Area	1,728 sqft
Basement Area	1,728 sqft
Finished Basement	1,728 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	130,680 sqft (3 acres)
Terrain	Rolling
Garage Type	Carport
Garage Area	576 sqft
Carport	Carport
Carport Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	196 ERNIE ROBERTS RD
City	RUTLEDGE
State	TN
Zip	37861-4838
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 07, COUNTY AREA: G01
Legal Subdivision	BIG O ESTATES
Legal Lot Number	1
Jurisdiction	GRAINGER TN
Township / Civil Division	2
Census Block Group	3
Census Block	3020
Census Tract	500402

Owner

Source: Grainger County records, as of July 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	347 CAMERON RD, RUTLEDGE, TN 37861-4711
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2022	Deed of Trust, Mortgage · Line of Credit COMMERCIAL BANK
Oct 30, 2019	Warranty Deed, Transfer · Commercial Mortgage COMMERCIAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2019 · Amount on File
Deed Sale	Oct 30, 2019 · Amount on File
Prior Sale	Jul 22, 1996 · Amount on File
Deed Document Number	20196591
Deed Book / Page	379 / 1575
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAINGER TN
Property Address	196 ERNIE ROBERTS RD, RUTLEDGE, TN 37861-4838
Transaction Type	Mortgage
Record Updated	Sep 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 ERNIE ROBERTS RD, RUTLEDGE, TN 37861-4838

Mortgage

Document Number	0000001796
Date	May 18, 2022
Book Page	405/964
Instrument	22001796

Lender

Name	COMMERCIAL BANK
Type	Bank
Address	MORRISTOWN, TN 37813

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	May 11, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAINGER TN
Recording Date	Oct 30, 2019
Property Address	196 ERNIE ROBERTS RD, RUTLEDGE, TN 37861-4838
Document Number	0000006591
Book / Page	379 / 1575
Map Reference	MB 2 PG 53
Instrument Date	Oct 29, 2019
Instrument	19006591
Transaction Type	Transfer
Record Updated	Sep 1, 2022

Transaction

Amount	Amount on Record
Tax	$157.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006592
Date	Oct 30, 2019
Instrument	19006592

Lender

Name	COMMERCIAL BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	372 Months
Due	Oct 28, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Grainger County assessment roll, as of January 29, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Grainger County
Unified School District	Grainger County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,784.00	$75,925 (-) Land $13,500 Building $62,425
2023		$75,925 Land $13,500 Building $62,425
2021			$303,700 Land $54,000 Building $249,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective December 16, 2008 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 58% of the US · above 78% of Tennessee
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BEAN STATION UTILITY DISTRICT serves 10,748 people · EPA ID TN0000041
Water Source	Purchased surface water from MORRISTOWN UTILITIES COMMISSION
Last State Inspection	Apr 2024
Lead	1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 53 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Trilight Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

4G LTE only, no 5G reported

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