48-408 Ernie Roberts Rd - 048 - 408 Ernie Roberts Rd, Rutledge, TN 37861
Lakefront lot - 408 Ernie Roberts Rd, Rutledge, TN 37861
LOT LINES ARE APPROXIMATE (1) - 408 Ernie Roberts Rd, Rutledge, TN 37861
407n Ernie Roberts Rd - Private Dock - 408 Ernie Roberts Rd, Rutledge, TN 37861
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59 photos

$700,000

408 Ernie Roberts Rd, Rutledge, TN 37861
Rutledge, TN 37861
Listed by Zoe Ferrell · Wallace
Bedrooms
4
Bathrooms
3
Living area
N/A
Year built
2019

About this home

Your lakefront escape starts here with easy water access, plenty of space to relax, and an outdoor setup made for taking in the views. This 4-bedroom, 3-bath home offers 2400+/- sqft on a large lakefront lot with a private dock, finished walkout basement, and a quiet cove setting away from boat traffic. The main level has a warm, open feel with cathedral ceilings, gas fireplace, and lake-facing windows that bring the view inside. The dining area flows into the kitchen, which features shaker-style cabinetry, plenty of storage, pantry, stainless steel appliances, and an island cooktop. The main-level primary bedroom gives you direct access to the deck, plus a sizable walk-in closet and a bathroom with double vanity sinks. A guest bedroom, full guest bath, and laundry room are also on the main level. The deck has covered seating sections with ceiling fans, creating a comfortable place to relax while overlooking the shoreline. The uncovered center section is ideal for enjoying the sun. The finished lower level gives even more room to spread out. It provides a spacious second living area, mini kitchenette, full bath, ample storage, and two oversized bedrooms that are each big enough for two queen beds - maximizing sleeping accommodations. Each lower-level bedroom also has its own walkout to the covered patio. Just off the patio, an outdoor shower makes it convenient to rinse off after time on the water. A direct path through the yard leads you right to your private dock, keeping boating, swimming, and fishing just steps away. The exterior is complete with a fire pit, storage shed, professional landscaping, a paved driveway with room for boat parking, and space on the patio for golf cart/sxs parking. The setting feels tucked away while still keeping everyday conveniences within reach. Card-nal Cove Resort & Campground and Gilmore Dock Marina & Restaurant are just a short boat ride away. Lakeshore Dr is only half a mile down the road. Rutledge offers local dining and markets, while Jefferson City and Morristown are just 20 minutes away and provide shopping, restaurants, medical services, and everyday errands. This is the kind of property that makes spending time at the lake feel effortless.

Highlights

Fireplace

Property details

MLS
East Tennessee REALTORS® MLS
MLS #
1341090
Property type
Single Family Residence
Subdivision
Big-O-Estates
Status
Active
Days on market
141
On market date
May 20, 2026
Stories
N/A
Total bathrooms
3
Garage spaces
N/A
Parking spaces
N/A
Lot size
0.78 acres
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Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card.

Elementary
Rutledge Primary
5.2 mi away · Grades -1-1
Nearest school -- attendance-zone data not available here
5.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
140
Student:teacher ratio
10.8:1
District
Grainger County
Middle
Rutledge Middle School
6.59 mi away · Grades 7-8
Nearest school -- attendance-zone data not available here
3.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
423
Student:teacher ratio
16.9:1
District
Grainger County
High
Grainger High School
3.22 mi away · Grades 9-12
Nearest school -- attendance-zone data not available here
3.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
885
Student:teacher ratio
17.7:1
District
Grainger County

Walkability

Blended score for Rutledge's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

14
Very car-dependent
out of 100
EPA National Walkability Index
4.2 / 20 -- Least walkable
Google Places amenity density
3 / 100
Restaurants & cafes1
Grocery stores0
Parks0
Schools0
Transit stops0
Pharmacies0

Market position

How this listing compares to current activity in Rutledge, from live MLS data.

On the market 141 days -- 6 more days than Rutledge's current average of 135 days.
For reference, the median list price across 55 active listings in Rutledge right now is $219,900.

Mortgage calculator

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Est. monthly payment
$4,365/mo
$140,000 down
$560,000 loan
Principal & interest$3,632
Property tax (est.)$583
Home insurance (est.)$150

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Data source: Listing information provided by East Tennessee REALTORS® MLS via Trestle/CoreLogic. Last updated 15 days ago.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.