Is your neighbor’s house priced differently than yours even though you share the same ZIP code? In Georgetown’s 37336, that can happen. Parts of the ZIP sit in Meigs, Bradley, and Hamilton counties, and those county lines influence taxes, school assignment, comps, and even appraisals. In this guide, you’ll learn what changes across each county line and how to price or shop with confidence. Let’s dive in.
Same ZIP, different counties
ZIP 37336 covers portions of Meigs, Bradley, and Hamilton counties. The USPS ZIP does not determine taxing or school district boundaries. You need the parcel’s county to know the rules that apply. Multi‑county coverage for 37336 is documented by ZIP resources, and Georgetown’s placement at the junction of these counties is also noted in local references (ZIP‑Codes.com, Georgetown, Tennessee).
Why prices shift across lines
Property taxes and assessments
County tax rates and assessment timing vary. Tennessee counties complete periodic reappraisals and then set a “certified tax rate” that aims to keep revenue stable, although individual bills can still rise or fall based on your new assessed value (Bradley County Assessor, TN State Board of Equalization). In 2025, Hamilton County adopted a certified county rate reported around $1.5157 per $100 assessed value, while local reporting placed Bradley County’s around $0.99 per $100 (Hamilton rate coverage, Bradley rate recap). A difference of even $0.50 per $100 can add hundreds of dollars per year, which affects buyer affordability and net proceeds. Always verify final payable rates with the appropriate county offices.
School district boundaries
School assignment follows county and attendance‑zone lines. Because 37336 crosses counties, a home’s assigned schools can change across a nearby road. That can influence buyer demand and comparable sales selection, so you want comps from the same district when possible (ZIP Data Maps overview, Bradley County Schools). Always confirm attendance zones directly with the district.
Market areas and comps
MLS market areas tend to track county lines more closely than ZIPs. The Bradley County portion of 37336 often aligns with the Cleveland area, the Hamilton County portion aligns with the Chattanooga metro, and Meigs tends to read more rural. Pulling comps from a different county can pull in a different buyer pool, which can skew value if not adjusted appropriately.
Utilities, services, and permitting
Water and sewer providers, trash service, fire coverage, and building permits may differ by county or nearby municipality. These details affect monthly costs, development feasibility, and resale appeal. Two similar homes with different utility setups can justify different prices.
Insurance and flood factors
Flood zones and hazard maps vary at the parcel level. Crossing a county line can place a property in a different flood overlay, which changes insurance availability and cost. Always check FEMA and local floodplain information for the specific parcel.
How to price and shop smart in 37336
Verify your parcel’s county
Do not rely on the postal city. Start with the county’s parcel or assessor lookups to confirm county and tax district. Meigs County’s official site is a helpful starting point, and Bradley County’s assessor site explains local processes and lookups (Meigs County, Bradley County Assessor).
Use the right comps
- Prioritize comparable sales in the same county and the same school district.
- If you must cross county lines due to limited sales, document clear adjustments for taxes, utilities, commute patterns, and buyer pool differences.
- Keep time adjustments and condition differences transparent so appraisers and buyers can follow your logic.
Run payment and net examples
- For buyers: price the same home with each county’s current tax rate to see the monthly impact. A small rate gap can move your payment by a noticeable amount.
- For sellers: build side‑by‑side net sheets that include county taxes, special assessments, and typical local fees so you can compare offers with clarity.
Watch reappraisal cycles
Reappraisal can shift assessed values even if the certified rate drops. After reappraisal, the county commission can still vote on the final rate. Check both your assessed value change and the finalized rate before making pricing moves (Bradley County Assessor, TN State Board of Equalization).
Quick checklist for buyers and sellers
- Confirm parcel county and tax district using county resources, not the ZIP alone (Meigs County, Bradley County Assessor).
- Review current certified and final county tax rates and ask about any municipal or special district levies (Hamilton rate coverage, Bradley rate recap).
- Verify school attendance zones with the district and keep comps within the same district when possible (ZIP Data Maps overview, Bradley County Schools).
- Confirm utilities and services for the parcel, including well or septic versus municipal sewer.
- Check FEMA flood zones and any local hazard overlays for insurance implications.
- Build side‑by‑side affordability and net proceeds scenarios that reflect the correct county.
Ready for a clearer plan?
If you are buying or selling in 37336, local detail is the difference between guessing and knowing. Our team helps you confirm the right county data, select clean comps, and present your home to the correct buyer pool. For a personal pricing plan rooted in Georgetown’s cross‑county reality, reach out to the Don Ledford Group.
FAQs
Which county am I in if my address is Georgetown, TN 37336?
- Use county parcel or assessor lookup tools to verify the exact county and tax district because the USPS ZIP does not determine jurisdiction (Meigs County, Bradley County Assessor).
Why does my neighbor’s tax bill differ if we share 37336?
- County rates, reappraisal timing, and any municipal or special district levies can differ across a county line, which changes total taxes even in the same ZIP (Hamilton rate coverage, Bradley rate recap).
How should comps be chosen in a split ZIP like 37336?
- Prioritize comps from the same county and school district, then adjust transparently if you must cross county lines due to limited sales (ZIP Data Maps overview).
Will an appraisal change if my home is across the county line?
- Appraisers follow market evidence from the area buyers consider competitive, so differences in taxes, schools, and buyer pools across the line can shape the available comps and the supported value.
Do school districts change inside 37336?
- Yes, school assignment follows county and district lines, not the ZIP. Always confirm attendance zones directly with the district before you buy or list (Bradley County Schools).
