OFF_MARKETRisky Deal17 days on market

498 Dearman St

498 Dearman St, Smithville, TN 37166, Smithville, TN 37166
$549,900
Zestimate®:$521,900

Listing Price

Property image 1
498 Dearman St, Smithville, TN 37166
Loc: Smithville, TN
Days Listed
17
Tax Assessed
$279k
Zestimate®
$522k
Market Rate
Lot Size
3.21 acres
Rent Estimate
$3,121/mo
Est. Cash Flow base
Type
single family

More Than Just a Property

We believe a home extends beyond its walls. That's why we help you explore the pulse of the community—from top-rated schools to essential emergency services. Your safety, well-being, and connection to the neighborhood matter to us.

4.9
Safety Score
A+
Schools

Nearby Schools

Educational options and performance ratings in the area.

N/A

Smithville Elementary School

PK-2
0.8 mi away
5

Dekalb Middle School

6-8
3.4 mi away
6

De Kalb County High School

9-12
3.4 mi away

Property Overview

A stunning investment opportunity in a prime location. This property features modern amenities, spacious living areas, and strong rental potential.

Features & Amenities

Open Floor PlanHardwood FloorsModern KitchenStainless Steel AppliancesCentral Heat/AirLarge BackyardParkingNear Transit

Haven AI Verdict

Recommendation
Pending...
Confidence Score: 0/10
Exercise caution due to potential market volatility.
Cap Rate
4.56%
Total ROI
57.9%
Cash Flow
$-766/mo
DSCR
0.73
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Data provided by Haven AI. Disclaimer

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10-Year Price Projection

Price & Tax History

Price History

DateEventPricePrice/sqft
2026-05-18Sold$520,000$133
2026-04-17Contingent$549,900$140
2026-03-30Listed for sale$549,900$140
2026-03-23Listing removed$599,900$153
2026-03-18Contingent$599,900$153
2026-01-03Price change$599,900$153
2025-11-10Listed for sale$659,900$168
2001-12-21Sold$32,000$8

Tax History

YearProperty TaxTax Assessment
2025$1,749.47$69,700
2024$1,749.47$69,700
2023$1,394$69,700
2022$1,206.37$69,700
2021$0$69,700
2020$1,175.89$55,375
2019$1,175.89$55,375
2018$1,015.3$55,375
2017$1,015$55,375
2016$1,015$55,375
2015$897.08$55,375
2014$1,040.04$64,200
2013$1,040.04$64,200
2011$1,040.04$64,200
2010$927.83$63,550
2009$927.83$63,550
2008$927.83$63,550
2007$941.8$55,400
2006$1,052.6$55,400
2005$836.54$55,400
2004$903.02$55,400
2003$759.58$46,600
2001$0$4,890
2000$0$19,559
Nathaniel Pitchon-Getzels Logo
Getzels Group
Haven Team
CalRE #01884947
Call / Text
818.535.5337

Property Specs

Beds
4
Baths
3
Sq Ft
3,920
Institutional Underwriting Ledger

Investment Numbers & Operating Model

Standardized cash flow underwriting modeled with state tax schedules, regional insurance hazard risk, and disciplined operating reserves.

Data Sources:MLS List Price: $549,900Rent Basis: Observed Comp Model ($3,121/mo)State Tax Benchmark: 0.67% (TN)Hazard Reserve: $160/mo
Haven ScoreRisky
1/ 10

Multi-factor yield grade

Cap Rate (Unleveraged)
4.56%

NOI: $25,050/yr

Cash-on-Cash Yield
-7.3%

On $126,477 invested

DSCR Ratio
0.73x

Negative debt coverage

5-Yr Leveraged ROI
+57.9%

Equity + cumulative cash

Financing Scenario Controls
Adjust down payment & rates to model your personalized return

Monthly Cash Flow Breakdown

Monthly Operating Deductions
Property Taxes (0.67% of basis)-$156/mo
Homeowner / Hazard Insurance-$160/mo
Vacancy Reserve (5% of rent)-$156/mo
Repairs & Maintenance (10% of rent)-$312/mo
Property Management (8% of rent)-$250/mo
Total Pure Operating Expenses-$1,033/mo
Net Investor Cash Flow
Gross Scheduled Rent+$3,121/mo
Less: Operating Expenses-$1,033/mo
Net Operating Income (NOI)+$2,088/mo
Less: Debt Service (30yr @ 6.75%)-$2,853/mo
Net Cash Flow
$-766/mo
$-9,190/year
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498 Dearman St | Smithville, TN | Haven AI Analysis | Haven by ScoutHavens