408 Ernie Roberts Rd, Rutledge, TN 37861 Property Records

Grainger County property record for 408 Ernie Roberts Rd, Rutledge, TN 37861

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,212 sqft · built 2019
Lot Size	1.12 acres (48,787 sqft)
Owner	Individual Name on File
Last Sale	$575,000 (Mar 2022)
Tax Bill	$1,135 (2025)
Deeds & Mortgages	Feb 2026 Transfer Mar 2022 Sale & Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`029061G A 01900`

Property Details

APN / Parcel Number

Primary APN	`029061G A 01900`
Alternative APN	`061G A 01900`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,212 sqft Living Area
1st Floor Area	1,212 sqft
Basement Area	1,212 sqft
Unfinished Basement	1,212 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	48,787 sqft (1.12 acres)
Lot Dimensions	235 ft deep x 92 ft wide
Terrain	Rolling

Exterior Amenities

Porch	Slab
Porch Area	300 sqft
Deck Area	132 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	408 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	13
Jurisdiction	GRAINGER TN
Township / Civil Division	2
Census Block Group	3
Census Block	3020
Census Tract	500402

Owner

408 Ernie Roberts Rd is owned and occupied by an individual who acquired it in January 2026.

Source: Grainger County records, as of May 26, 2026

Owner of Record	Individual Name on File
Mailing Address	408 ERNIE ROBERTS RD, RUTLEDGE, TN 37861-4838
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2026	Intrafamily Transfer, Transfer SERVICELINK CRS, SERVICELINK LLC
Mar 24, 2022	Warranty Deed, Transfer · Conventional Mortgage WESBANCO BANK INC
Nov 5, 2021	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Sep 6, 2019	Deed of Trust, Mortgage CITIZENS BANK & TRUST CO
May 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage RELIANCE FIRST CAPITAL LLC
Mar 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Jun 14, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 28, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Mar 21, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 24, 2022 · Amount on File
Deed Sale	Mar 24, 2022 · Amount on File
Prior Sale	Jun 14, 2018 · Amount on File
Deed Document Number	20221021
Deed Book / Page	403 / 1402
Last Transfer Date	Jan 30, 2026
Transfer Doc	0000000429
Record Updated	Oct 29, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GRAINGER TN
Recording Date	Feb 12, 2026
Property Address	408 ERNIE ROBERTS RD, RUTLEDGE, TN 37861-4838
Document Number	0000000429
Book / Page	INST434 / 1130
Map Reference	MB 2 PG 53
Instrument Date	Jan 30, 2026
Instrument	26000429
Transaction Type	Transfer
Record Updated	Feb 20, 2026
Title Company	SERVICELINK CRS, SERVICELINK LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	408 ERNIE ROBERTS RD, RUTLEDGE, TN 37861-4838

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 ERNIE ROBERTS RD, RUTLEDGE, TN 37861-4838
Investor	Possibly a Property Investor

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAINGER TN
Recording Date	Mar 24, 2022
Property Address	408 ERNIE ROBERTS RD, RUTLEDGE, TN 37861-4838
Document Number	0000001021
Book / Page	403 / 1402
Map Reference	MB 2 PG 53
Instrument Date	Mar 21, 2022
Instrument	22001021
Transaction Type	Transfer
Record Updated	Apr 7, 2022
Title Company	TALLENT TITLE GROUP INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,127.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	408 ERNIE ROBERTS RD, RUTLEDGE, TN 37861-4838

Mortgage

Document Number	0000001022
Date	Mar 24, 2022
Instrument	22001022

Lender

Name	WESBANCO BANK INC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Apr 1, 2037
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	8.37%
Index	1-Year CMT
Margin	3
Max Rate	8.37%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAINGER TN
Property Address	408 ERNIE ROBERTS RD, RUTLEDGE, TN 37861-4838
Transaction Type	Mortgage
Record Updated	Nov 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 ERNIE ROBERTS RD, RUTLEDGE, TN 37861-4838

Mortgage

Document Number	4016
Date	Nov 5, 2021
Book Page	399/1549
Instrument	21004016

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 9, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAINGER TN
Property Address	408 ERNIE ROBERTS RD, RUTLEDGE, TN 37861-4838
Transaction Type	Mortgage
Record Updated	Jul 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5980
Date	Sep 6, 2019
Book Page	378/1013
Instrument	19005980

Lender

Name	CITIZENS BANK & TRUST CO
Type	Bank
Address	RUTLEDGE, TN 37861

Agreement

Amount	Amount on Record
Term	359 Months
Due	Aug 30, 2049

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAINGER TN
Property Address	408 ERNIE ROBERTS RD, RUTLEDGE, TN 37861-4838
Transaction Type	Mortgage
Record Updated	Jul 22, 2021
Title Company	CMC SETTLEMENT SERVICES, AMC SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1492
Date	May 11, 2021
Book Page	394/317
Instrument	21001492

Lender

Name	RELIANCE FIRST CAPITAL LLC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAINGER TN
Property Address	408 ERNIE ROBERTS RD, RUTLEDGE, TN 37861-4838
Document Number	0000008077
Instrument Date	Mar 4, 2020
Transaction Type	Mortgage
Record Updated	Jun 12, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	408 ERNIE ROBERTS RD RUTLEDGE TN 378614838, RUTLEDGE, TN 37861-4838

Mortgage

Document Number	0000008077
Date	Mar 19, 2020
Book Page	000382/001976
Instrument	8077

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Mar 18, 2040

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GRAINGER TN
Recording Date	Jun 14, 2018
Property Address	408 ERNIE ROBERTS RD, RUTLEDGE, TN 37861-4838
Document Number	0000001489
Book / Page	000369 / 000760
Instrument Date	Mar 19, 2018
Instrument	1489
Transaction Type	Transfer
Record Updated	Jun 20, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1662 MORRISTOWN TN 378161662, MORRISTOWN, TN 37816-1662

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GRAINGER TN
Recording Date	Aug 28, 2017
Property Address	408 ERNIE ROBERTS RD, RUTLEDGE, TN 37861-4838
Document Number	0000002131
Book / Page	000364 / 000165
Instrument Date	Aug 28, 2017
Instrument	2131
Transaction Type	Transfer
Record Updated	Sep 7, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$48.00
Amount Accuracy	Confirmed
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	445 SUNNYSIDE LN BEAN STATION TN 377086542, BEAN STATION, TN 37708-6542

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GRAINGER TN
Recording Date	Mar 21, 2018
Property Address	408 ERNIE ROBERTS RD, RUTLEDGE, TN 37861-4838
Document Number	0000000691
Book / Page	000367 / 001542
Instrument Date	Aug 28, 2017
Instrument	691
Transaction Type	Transfer
Record Updated	Mar 27, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$55.50
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	445 SUNNYSIDE LN BEAN STATION TN 377086542, BEAN STATION, TN 37708-6542

Tax Assessment & Valuation

The 2025 property tax bill for 408 Ernie Roberts Rd was $1,135.

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	$1,135.00	$48,300 (-) Land $4,100 Building $44,200
2024	$1,135.00	$48,300 (-) Land $4,100 Building $44,200
2023	$1,135.00 (+3.09%)	$48,300 (+0.73%) Land $4,100 Building $44,200
2022	$1,101.00	$47,950 Land $3,750 Building $44,200
2021			$193,200 Land $16,400 Building $176,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 408 Ernie Roberts Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 408 Ernie Roberts Rd is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 52% of the US · above 70% of Tennessee
Wildfire Likelihood	0.1% 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

5G (outdoors only) and 4G LTE

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