408 Ernie Roberts Rd
Rutledge, TN, 37861 $ 700,000
Bedrooms4 Baths3.0 Sq 2,424 Monthly Estimate*
$ 4,835
for $700,000 with 4 bedrooms and 3 full baths. This 2,424 square foot home was built in 2019 on a lot size of 0.78.
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.
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FeaturesGeneralSewer Septic Tank
Heating Central Propane
Cooling Central Cooling Ceiling Fan(s)
Appliances Dishwasher Dryer Microwave Range Refrigerator Trash Compactor Washer
Architectural Style Traditional
Security Features Smoke Detector
Construction Materials Vinyl Siding Frame
Year Built 2019
View Lake
Property Subtype Single Family Residence
County Grainger County - 45
Property Type Single Family
Attached Garage false
Subdivision Name Big-O-Estates
Other Structures Storage
Total Rooms 11
Full Baths 3
Status Active
Directions From US-25 continue onto US-11. Turn onto Bowen Rd. In 3 miles continue onto Ernie Roberts Rd. Property is on the right. Sign on Property.
High School Grainger County Adult
City Rutledge
MLS Area Grainger County - 45
Lot Size Units Acres
Lot Size Square Feet 33976.8
Elementary School Rutledge
Property Attached Y/N false
Middle/Junior High School Rutledge
MLS Area Minor Grainger County - 45
Structure Type Basement Ranch
Standard Status Active
New Financing Cash true
New Financing Coventional true
New Financing New Loan true
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InteriorInterior Amenities Walk-In Closet(s) Cathedral Ceiling(s) Kitchen Island Pantry Eat-in Kitchen
Basement Walkout Finished Plumbed
Flooring Laminate
Total Fireplaces 1
Fireplace Features Gas Log
Basement (Y/N) true
Air Conditioning Y/N true
Heating Y/N true
Window Features Windows - Insulated
Fireplace Y/N true
Half Baths 0
Total Bedrooms 4
Total Baths 3
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ExteriorExterior Amenities Prof Landscaped Balcony Dock
Parking Features Off-Street Parking Main Level
Lot Features Lake/Water Access Waterfront Level Rolling Slope
Water Source Public
Lot Size Area 0.78
Building Area Total 2424
Lot Dimensions 92X235 IRR
Lot Size Acres 0.78
Frontage Type Lakefront
Lot Size Source Tax Records
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* Excluded FeaturesList Byzoeferrellrealtor@gmail.comEmail
Affordability Calculator
- Monthly Principal & Interest
- $4,835
- Monthly Property Taxes
- $95
- Monthly Home Insurance
- --
Default based on a 30-year fixed rate of 7.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
Learn more about how to save NearbySingle family listings in Rutledge, TN
Average List Price $486,624
Percent of Sale Price 30%
About Rutledge, TN 1,307 Population
7% Since 2002
$ 33,604 Median Income
45.96 Median Age
26% Households with Children
Trends Information provided by ATTOM Data Solutions.
0 Elementary School
4508224 Middle School
Grainger County Adult High School High School
Pricing History| Date | Price | Price Change | Description |
|---|
| 6/24/2026 | $700,000 | -3.45% | Price Down |
| 5/16/2026 | $725,000 | | Listed Price |