2873 Main Street , Surgoinsville, TN 37873, Surgoinsville, Tennessee, United States. - Hero Image
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2873
Main Street
United States

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Presented At
$499,000
Bedrooms
2
Bathrooms
1
Living
1,339
SQFT
2873 Main Street , Surgoinsville, TN 37873, Surgoinsville, Tennessee, United States. , Surgoinsville , Tennessee 37873

2873 Main Street, Surgoinsville, Tn 37873

2873 & 2865 Main Street, Surgoinsville, TN!Two adjoining lots bundled together with endless potential. One lot offers a trailer home, the other a house ready for renovation, plus a barn and open pasture. The property backs onto Highway 11, giving you residential living now and possible commercial or development value in the future. Whether you're looking to renovate, build new, invest, or explore mixed-use opportunities, this ''as-is'' sale provides a rare chance to shape the property to your vision. Country acreage with convenience and visibility — a true opportunity for both homeowners and investors. Frontage on Highway 11 (US-11) adds significant upside for commercial or mixed-use conversion, while the back portion of the land gently trails into pasture with a barn — ideal for country living, small horse farm or agricultural use. Allow the rural charm of Surgoinsville, Tennessee open up your mind to the many possibilities of this property. Owner is a Licensed Real Estate Agent and is the listing Agent.

3D Street View Tour

Map showing 2873 Main Street , Surgoinsville, TN 37873, Surgoinsville, Tennessee, United States.

Property Location

2873 Main Street , Surgoinsville, TN 37873, Surgoinsville, Tennessee, United States., Surgoinsville Tennessee

Local Weather & Climate

Surgoinsville, Tennessee

Current Conditions Updated recently
51 °F
Few clouds
Feels Like 49°F
Humidity 68%
Wind 5 mph
Visibility 6.2 mi
Sunrise 11:43 AM
Sunset 11:37 PM
5-Day Forecast
Sat 14 Mar
Clouds
High 63°
Low 51°
Sun 15 Mar
Clouds
High 67°
Low 46°
Mon 16 Mar
Clouds
High 61°
Low 34°
Tue 17 Mar
Clouds
High 37°
Low 23°
Wed 18 Mar
Clouds
High 48°
Low 26°
Data from OpenWeatherMap

Walkability & Transit Scores

How easy is it to get around Surgoinsville?

Walkability and transit scores for this address come from the EPA National Walkability Index.

Mortgage Calculator

Estimate your monthly payments for this property

$
%
$100,000
%
Estimated Monthly Payment $3,160
Monthly Payment Breakdown
Principal & Interest $2,528
Loan Amount $400,000
Total Interest $337,621
Total Cost $737,621
Potential Tax Benefits (United States)
$0 Est. First Year Interest Deduction
$0 Est. Annual Tax Savings
*Based on post-2017 tax law. Actual deductions depend on filing status, itemization, and current tax laws.

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Important Information
  • This calculator is for illustrative purposes only and does not constitute a loan offer, pre-approval, or commitment to lend.
  • Monthly payment estimates do not include property taxes, homeowner's insurance, HOA fees, or other applicable costs which may significantly increase your actual payment.
  • Interest rates shown are for demonstration only. Actual rates depend on your credit score, down payment, loan type, property location, and current market conditions.
  • This tool provides estimates only. Consult with a licensed mortgage professional for accurate quotes and personalized advice.
  • Tax benefit calculations are simplified estimates based on general assumptions for United States. Actual deductions depend on your specific tax situation, filing status, and current tax laws.
  • Tax Year Information: Tax data shown is based on United States tax year 2025 (fiscal year: January-December), rules effective from 2018 through 2025. Tax laws change frequently and may have been amended since this data was compiled.

Limitation of Liability: By using this calculator, you acknowledge that all results are approximations and should not be relied upon for financial, legal, or tax decisions. openluxe, its affiliates, officers, directors, employees, and agents expressly disclaim all liability for any damages, losses, or consequences arising from the use of or reliance on this calculator or the information provided herein. openluxe is not a lender, financial advisor, or tax professional and does not provide mortgage loans, financial advice, or tax advice. Use of this calculator does not create any professional relationship.

Market Opinion

Above Average 2.2× median

Our perspective on current market conditions in Surgoinsville. For informational purposes only — always consult a licensed real estate professional before making decisions.

Neutral Market
Balanced conditions. Negotiate wisely.
56
Buyer Score
Prices are up 200.8% year-over-year
Homes are taking 116 days to sell - more time to negotiate
Homes selling 7.7% below asking price on average

Local Market Price Trends

Median home sale prices in Surgoinsville, Tennessee — ZIP code 37873 over the last 24 months. This shows how property values in this neighborhood have changed over time, helping you understand whether the market is appreciating, stable, or cooling.

This property is listed at $499,000
Area median: $231,000
+200.8% year-over-year (well above the 3.5% historical avg)

Market Competition

116 days
Days on Market
Above typical
92.3%
Sale-to-List Ratio
Below asking

Future Value & Wealth Building

Starting investment: $499,000 20% down ($99,800)

9.5 years
Double Your Investment
Based on current market trends, your property value could double
$690,636
10-Year Equity
Your potential equity after 10 years of payments and appreciation
+$284,699
Appreciation Beats Rent
Potential gain vs 10 years of renting a similar home
$2,656
Monthly Investment
Estimated monthly mortgage payment (principal & interest)
$4,429,459
30-Year Wealth Potential
Total equity after full mortgage payoff with market appreciation
6.9x
Leverage Power
Your $99,800 down payment could grow to $690,636 in equity (10 yrs)
Investment Perspective
$ $ $ $
$1 → $2.07
Every dollar invested today could become $2.07 in 10 years
$100 → 207 $1,000 → $2,071
+$103
$103/day
Your home may appreciate while you sleep
$724/week $3,139/mo $37,672/yr
$100K Investment Comparison (10 Years)
Real Estate (Leveraged)
$635K
S&P 500 Index
$259K
High-Yield Savings
$155K
Real estate leverage: potential 145% advantage over stocks
RENT 💸 -$275K
vs
OWN 📈 +$691K
$691K Potential Equity
vs $275K lost to rent over 10 years
$100K Down Payment Growth
6.9x
10yr
$691K
19.1x
20yr
$1.9M
44.4x
30yr
$4.4M
Wealth Comparison
×11
Equivalent to 11 average US homes
top 5%
US household wealth ranking
Median: $193K Yours: $4.4M
Time to Double Your Investment (accounting for market cycles)
16.9
years
Conservative
4.2% effective/yr
9.5
years
Market-Based Above Avg
7.55% effective/yr
8.5
years
Optimistic
8.54% effective/yr
Projected Home Values (adjusted for market cycles)
10 Years
Conservative $753K +51%
Market $1.0M +107%
Optimistic $1.1M +127%
$691K est. equity
20 Years
Conservative $1.1M +128%
Market $2.1M +329%
Optimistic $2.6M +415%
$1.9M est. equity
30 Years
Conservative $1.7M +243%
Market $4.4M +788%
Optimistic $5.8M +1,069%
$4.4M est. equity

Historical Market Context

How current appreciation compares to long-term averages

National Long-Term Average
4.27 %
1967 – 2024
57 years of U.S. home price data
Recent Decade Average
6.5 %
2014 – 2024
Post-recovery bull market
Above Historical
Current 8.5% appreciation exceeds the national historical average (4.3%). Market-based projections reflect current conditions that may moderate over time.

Projections account for historical market cycles (~12% corrections every 6 years). Effective annual growth after corrections: 7.5%. Market scenario reflects current 8.5% YoY trend from Redfin (Feb 2026). These projections are estimates only and actual results may vary. Past performance does not guarantee future results.

Important Disclaimer

The information presented in this Market Opportunity Opinion is provided for informational and educational purposes only and should not be construed as financial, investment, legal, or real estate advice. This analysis represents our opinion based on publicly available data and should not be relied upon as the sole basis for any real estate or investment decision.

No Guarantee of Accuracy: While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of the data, projections, or analysis contained herein. Market conditions can change rapidly and unpredictably.

Not Professional Advice: This content does not constitute professional real estate, financial, or investment advice. We strongly recommend consulting with qualified professionals—including licensed real estate agents, financial advisors, attorneys, and tax professionals—before making any real estate or investment decisions.

Past Performance Disclaimer: Historical data and trends presented do not guarantee future results. Real estate markets are subject to numerous factors beyond the scope of this analysis, including economic conditions, interest rates, local regulations, and unforeseen events.

By viewing this information, you acknowledge that you understand these limitations and agree that the property owner, listing agent, brokerage, and platform providers shall not be held liable for any decisions made based on this analysis.

Data from U.S. Census Bureau, World Bank, Zillow, and Redfin | Market data updated Feb 2026

Neighborhood Demographics

ZIP 37873 • 2022 ACS Data

4,207 Population
Median Age: 46.0
$37,860 Median Income
Below Average
$135,500 Median Home Value
Rent: $732
10.8% College Graduates
Below Average

Housing

Homeowners 66.1%
Renters 16.8%
Vacancy Rate 17.1%

Employment

13.1% Unemployment
2.8% Work From Home

Education Attainment (Age 25+)

High School+ 79.7%
Bachelor's+ 10.8%
Graduate+ 4.5%
Data from U.S. Census Bureau American Community Survey 2022

Frequently Asked Questions

Common questions about this property

This house at 2873 Main Street , Surgoinsville, TN 37873, Surgoinsville, Tennessee, United States features 2 bedrooms with 1,339 square feet of living space.
This property offers 1,339 square feet of living space.
This property is listed at $49,900,000, which equals $37267 per square foot.
In Surgoinsville, home prices have increased 200.8% over the past year, homes typically sell within 116 days, it's currently a unknown. These market conditions can affect pricing strategies and negotiation opportunities.
Based on current market indicators, Surgoinsville shows an active market. The market opportunity score is 56 out of 100, reflecting factors like price trends, inventory levels, and days on market.
This is a house located in Surgoinsville, Tennessee. The property is situated in an established neighborhood with convenient access to local amenities and services.
Elizabeth Wright

Elizabeth Wright

Alliance Sotheby's International Realty

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