The Home Buyer's Korner

Information presented should be used for educational purposes only.

September 25th, 2015

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Somerville, Tennessee


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Somerville is a very small town located in Fayette County in the state of Tennessee, and just east of Memphis and Shelby County, with a population of 3,115 people and two constituent neighborhoods, Somerville is the 175th largest community in Tennessee.

The Somerville real estate is some of the most expensive in Tennessee, although Somerville house values don’t compare to the most expensive real estate in the U.S.

Somerville is neither predominantly blue-collar nor white-collar, instead having a mixed workforce of both blue-collar and white-collar jobs. Overall, Somerville is a town of service providers, sales and office workers and professionals. There are especially a lot of people living in Somerville who work in office and administrative support at 11.35 percent, management occupations at 9.96 percent and health care support services at 9.31 percent.

Being a small town, Somerville does not have a public transit system used by locals to get to and from work.

The citizens of Somerville are slightly less educated than the national average of 21.84 percent for the average city or town, with 13.85 percent of adults in Somerville have a bachelor’s or advanced degree.

The per capita income in Somerville in 2010 was $16,795, which is a modest income relative to Tennessee, and low income relative to the rest of the US. This equates to an annual income of $67,180 for a family of four.

Somerville is an extremely ethnically-diverse town. The people who call Somerville home describe themselves as belonging to a variety of racial and ethnic groups. The greatest number of Somerville residents reports their race to be Black or African-American, followed by White. Important ancestries of people in Somerville include English, Irish and German.

The most common language spoken in Somerville is English.

Livingston Homes for Sale


Your Home Purchasing or Refinancing & Renovation Tools,

Home Improvements, Home Renovations,

Mortgage Loan Officers, Real Estate Agents & General Contractors

are ready to assist you with your home purchase.

Here are just a few of the home improvements

you might consider with any Home Renovation loan

Repair or replace a roof

Install, replace or repair gutters and downspouts

Replace, repair or upgrade your HVAC system

Repair or replace plumbing

Install, repair or replace electrical systems

Kitchen remodeling (including the purchase and installation of appliances)

Bathroom remodeling, Full interior painting, Total exterior painting

Repair or replace a septic system and/or well

Disability access (wheelchair ramp, elevator, widen doorways)

Build, repair or replace deck, patio or porch

Basement waterproofing and finishing

Abatement/Stabilization of lead-based paint hazards

Replace old windows, Room additions, Finish an attic

Add a second story to your home

Replace a termite damaged sill plate (a water-damaged sill plate also)

Possible landscaping items such as correction of grading & drainage problems,

tree removal, repair a driveway and sidewalks

FHA 203K

Your Home Purchasing or Refinancing & Renovation Tool

Mortgage Loan Officers, Real Estate Agents & General Contractors

are ready to assist you with your home purchase


The Conventional Alternative to FHA 203K

Great for Real Estate Investors and Second Home Renovations

Mortgage Loan Officers, Real Estate Agents & General Contractors

are ready to assist you with your home purchase


Up to $10K for Home Improvements, Renovations or a Simple Remodel

Mortgage Loan Officers, Real Estate Agents & General Contractors are ready to assist you


Organizing your home shopping experience affords a wise decision-making process.

This simple home inspection tool makes your ultimate buying decision a smart one.

To print this document click on “Open in New Window” located at the lower right corner;

click on “File”; then click on “Print”. In the center of the screen you will

have the option to “Create A Printable PDF of the Presentation”.


FNMA HomeStyle FNMA My Community Mortgage FHA One-Time Close Construction Portfolio or VA home loan Homes for Sale REO Short Sales FNMA HomePath Properties HUD Homes USDA Homes Condominiums Co-Ops Townhomes Manufactured Homes Modular Homes Mobile Homes Log Homes Second Homes Investment Property 2-4 Family Custom Home Builders Custom Built Homes Luxury Homes General Contractors Home Improvement Experts Kitchen & Bathroom Renovations Real Estate Brokers & Agents Mortgage Lenders Federal Credit Unions Community Bankers Real Estate Listings Jumbo Investor Hard Money HARP HECM Equity Zero 3% 3.5% Portfolio Non-Warrantable Down Payment Assistance Flood Insurance Memphis Fayette County 38060 Hathaway St Oakcrest Dr Choctaw Dr Redbud Dr Snowbell Cv WATSON RD Maple Run Dr SELLERS DR McCauley St Michelle Cv WOODMARK CV Pine Ridge Cv Clear Springs Dr Cameron Cv JANIS MARIE CV Creek Fall Dr Misty Birch Ln Willow Springs Dr Cameron Dr Cambium Cv SIMPSON DR Cozmo Ln Mcfadden Dr McFadden Rd IRWIN AVE Meadow Rd Cherokee Cir Pine Ridge Ln Bell Grove Rd Doral Loop Wilbourne Rd Oakridge Cv Normacarol Rd Cross Creek Dr Oakridge Dr Feathers Chapel Dr Cherokee Cv Spring Valley Dr HIGHWAY 64 Brooks Way HIGHWAY 193 HIGHWAY 194 HIGHWAY 194 Whispering Ridge Cv Whispering Ridge Dr Blackankle Dr Harbor Oaks Cv Country Forest Dr Country Pl Tate Dr Rain Rd Gracie Cv Bowers Rd Charlotte Dr Briarfield Cv Fair View Cv Odus Dr St Andrews Dr Breezy Loop BREEZY LOOP HWY 64 BREEZY LOOP BREEZY LOOP Riverwood Cv Lake Breeze Cv Chris Joe Rd HWY 64 S OF OAK ST Oaks Edge 128 Clay Hills Acadis Cir Evelyn Rd Bonnie Rd Sawgrass Cv Lot 4 Phase 1 Montague Hills Warren Road Forest Dr Whispering Creek Cv Oakshire Cv Ashley Cv Meadow Terrace Dr MEADOW TRAIL LN Caitlin Dr Caitlyn Geneva Cv Garden Springs Dr Mack Edwards Dr Misty Fields Cv Misty Fields Rd IVY DR Country Brook Dr Pruitt Rd Village Cv Misty Hill Cv Magnolia Garden Dr Magnolia Garden Ln Ridgefield Dr Northwood Cv Mosby Rd Hwy 194 Donald Ave Shady Pines Cv Kyle Rd Northwood Dr Sheraton Cv Bob White Rd Sunny Cv Village Dr Valley Oaks Cv Wilson Ln Bowers Rd Pinewood Dr Oaklake Cv Oaklake Dr Wells Way Oak Springs Cv GARDEN SPRINGS DR Clay Hill Dr Caitlyn Geneva Cv Pierce Rd Caitlin Dr PAYNE RD Windy Cv Spring Valley Dr Casey Jordan Rd Antler Industrial Park Clay Pond Dr Misty Meadows Cv Kylie Gayle Rd Misty Meadows Dr Northern Leaf Dr Antler Cv Marshall Way Sheraton Cv Country Side Dr Royal View Cv Countrybrook Dr Arborlon Cv Augusta Dr Garret Cv Hicks Rd Mulberry Cv Fawn Dr Center Oak Cv Center Oak Dr Fair View Cv Fairoaks Dr Barkridge Dr Fair View Ln Wirt Rd Goldstream Ln Kay Cv Clay St Garden View Dr Cambium Ln Emily Rd Fields Dr Loblolly Dr CLEAVES LOOP Shady Pines Cv Oakland Hills Dr Tall Forest Ln White Pine Pl Fairoaks Dr Hickory Grove Cv US Highway 64 Lewis Fairway Cir Cleer Ave Robin Cv Lakewood Cv Hickory Grove Loop Green Valley Dr Clay Hill Dr Oak Hollow Dr Blackhill Cv Blackhill Dr WARREN RD Warren Rd Emma Claire Rd Wicker Way Macon Cemetery Rd James Xing James Xing Brookhaven Dr DOGWOOD SPRINGS DR Sweet Leaf Ln SAINT ANDREWS DR LAKEWOOD DR W MCAULEY ST Michelle Cv Lakewood Dr Emma Rd Umble St Bonnie Dr MAIN ST Links View Dr Austin Cir Young Way Sugar Maple Cv McFadden Person Stagg Rd Laurel St PERSON RD Countrywood Ln Oakland Woods Cv FAWN RD Sadie Cv CHURCH ST Martha Cv Sugar Maple Trl Caleb Rd Austin Dr HWY 193 HWY 194 Green Willow Cv Green Willow Dr RUNNING BROOK LN Mebane Rd Abbey Rd Cypress Grove Cv MASON WAY HIGH ST Ridgefield Drive North Dr Whispering Creek Cove West Dr Tomlin St Whispering Pines Cv JOSEPH CT Oakleaf Cv Pine Meadows Ln Misty Meadows Canady Way Seawood Dr Pinehurst Dr Terry Hill Cv Deer Cv Murrell St Donna Lyn Dr Birch Springs Cv CROOKED CREEK CV Birch Springs Dr Crooked Creek Dr Ridge Rd Christopher Rd Bluffwood Cv Brookwood Cir Country Forrest Dr Southwind Dr Hillard Rd Penny Ln Hidden Garden Dr TERRY RD ARABELLA CIR WESTON DR Rolling Oaks Dr Mallory Dr Cypress Point Cv Clay Hills Dr Clay Hills Dr Green Hills Terry View Cv Susanne Dr Mewborn St WHISPERING CREEK CV Whispering Creek Dr Cypress Point Rd Winding Creek Cv McFadden Dr Winding Creek Dr Riverdale(ns) At Intersection of Wirt Greer Ln Strawberry Field Cv Mitchell Way Willow Springs Cv WILLOW SPRINGS LN Beau Tisdale Dr Whitley Way BURTON PLACE DR Cypress Ridge Cv Mossy Springs Cv Mossy Springs Dr Wilbourne WATSON DR LAUREL CV Oakcliff Dr Whispering Meadows Dr Canale Way Oak Hollow Dr Eagle Valley Dr Oakcourt Cv DOSS EAST CIR Doss St Riverdale Dr 38068 FERTILE VALLEY RD Green Meadow Cv SYDNEY CIR Charleston St Glade Springs Dr Hwy 76 Hwy N HIAWATHA ST Wilder Rd Rich Rd Woodbridge Rd Churchill St REBA RD MARKET ST Airport Rd Perry Rd AZALEA CV Lynn St LAMBERT DR NORTH ST MOOSE LODGE RD Demeka Dr ENTERPRISE DR Bar James Way HWY 59 Rachel Cv BRITTAN RD Thompson Way Pittman Rd EAST ST BURNETT RD Marginal St Azalea Dr ENTERPRISE RD Gordon Dr Daisy Way MARKET ST W WARE DR Laurie Way Leanne Bailey Morrison Dr Ware Rd Ben Rd Travelers Rest UNION DR JACOBS CT Willow Birch Cv Lester Rd Stacey Way Feathers Chapel Dr MARGINAL ST E MARGINAL ST W Boyd St High St Westminister Rd SHINAULT RD Railroad Dr HIGHWAY 64 Highway 193 Cedar Hill Cv Highway 194 Highway 195 Market St June Dr Marsh Way MCKINNIE CRK Cami Cv FARINO WAY Bonnie Burton St Whispering Tao Cv Court Sq Holly Hill Rd SARDIS DR Rehoboth Rd Iris Rd FERN RD Hill Dr HWY 64 W Oak St Lynnwood St Hannah Cv LAZENBY DR Duscoe Rd GATELY RD Dee Rd Pattat Way OLD SOLOMON MILL RD Wildflower Dr Heaven Hill Dr JOANN DR Whispering River Cv SOMERVILLE ST Joann Rd Sharon Pl Maple St Spring St Creek Side Cv WEST ST NICHOLAS DR CREEK SIDE DR Alex Cv DINK RD Losch Way Highway 222 DOWDY RD HAVEN HEIGHTS DR Willow Crest Cv Willow Crest Dr Lazy J Dr Latta Ln Vine St MAIN ST Karcher Rd Lindsey Way Stafford Dr Lakeview Rd CREEK VIEW CV SPARKMAN DR Country Club Cv FOWLER DR Teague Store Rd MILLER RD North St East St OLD JERNIGAN RD Armory Rd Benefield Dr DANCY RD Armour Dr OAK MEADOW CV Vale Rd Central Dr South St Ball Park St HERRON DR Levy Dr Greenfield Way BOWERS WAY Alexander Dr Oak Meadows Cv Robertson Dr LATTA LN PARKS RD Vester Rd Dogwood Ln Ozier Dr High St Old L and N Way Sesame Way OLD FIFTY-NINE DR Fairmont St Hwy 76 Hwy Alex Cove Charles Cir Hedge Rose Blvd Meadow Glen Dr MURPHY RD Meadowland Ln ROLLING BROOK CV Rolling Brook Dr Catron Way MOUNT MORIAH DR Ebenezer Loop Kay Dr Kay Ln MISTY RIVER CV Karl Way TAPP DR Dogwood Rd Bartholomew Way North St Finnie Cv Finnie Dr BRAD MEADOW LN SOUTH ST Stroup Dr Warren Rd Stroupe Rd Mcnabb Rd Latta Ln DOGWOOD SPRING DR GRANT RD New Castle Rd Country Club Rd Mount Pisgah Rd SOMERVILLE ST W Lake Dr Fendall Dr CLEMATIS DR Wisdom St Valerie Cv Umbarger Dr Henry Dr JEFFERSON DR Hiawatha St CHESTER RD HIGHWAY 76 E OF JERNIGAN DR E MCNEILL RD N Paradise Way SOMERVILLE ST E Tucker Way Rose Rd HAFFORD CHAPEL WAY Beech Loop CONCORD DR 64 Highway Jernigan Leach Dr Taylor Dr GREEN DR Round Hill Cv South St FLIPPIN EXT Midland St Flippin St Day Rd US Highway 64 HWY 194 HWY 195 McNeill Rd Stuart Loop Terry Rd Court Sq Goldenrod Way Lagrange Rd Main St Neal Rd Tomlin Rd Perygin Dr Sundance Cv Feathers Chapel Buttercup Dr Sunset St TRAVELERS REST RD COLLINSON DR LOCKE RD Collinson Way Morris Dr JOHNSON DR Brianwood Ln Clark Rd Higgs Dr Woodbridge Brookline Cv Concord St Pearl Rolling Meadows Rd Marginal St Doll Way MT MORIAH DR Walls Rd Terry Rd Woodbridge Cv Evergreen Dr Meadow Ln WEST ST Rolling Oaks Dr Springer Rd EASTSIDE DR HERMAN WAY Sycamore St LONDONDERRY DR HIGHWAY 64 W WESTVIEW CV MT PISGAH RD Culver Way Market St Bishop Dr Holden Dr Gary Cv Gaither Way Deerfield Cv Pearl Dr MAIN ST HWY 222 East St Railroad Dr Laconia Rd NEWCASTLE DR ST N END OF MEADOWLAND LN SEABERRY WAY Stevens Dr FAYETTE CORNERS RD Sardis Rd WINFREY DR Fire Tower Rd DOGWOOD SPRING DR HIGHWAY 196 PEARL DR JONES ST Monk House Rd Lou Lew Way Jernigan Dr Asbury Dr Alvin Rd Wiles Way Elm Rd HWY 76 COX RD Smyrna Rd FERGE DR WITHERINGTON RD Rawlings Rd HWY 76 W Akin Rd Caldwell Dr ARMOUR ST OLD JACKSON RD Brewer Rd Rogers Dr SINAI DR W BLALOCK DR CHURCH ST Hebron Dr BLALOCK DR S HIGHWAY 76 TRIPP RD MOCKINGBIRD RD PORTER RD Highway 76 N Highway 76 S OLD FIFTYNINE DR WAGON WHEEL DR N Dancyville Eurekaton Rd MONROE RD Boothe Rd Hall Dr WILSON RD Coffee Gap Rd Yum Yum Rd JOYNER CAMPGROUND RD Dancyville Methodist C Rd REV HILL LN RT Fayette Corner Dr FAYETTE CORNER RD SEAY DR Wagon Wheel Dr HIGHWAY 59 HWY 64 Old Brownsville Rd Joyners Campground Dr BELMONT RD Old L and N Way Main St GARNETT RD 38075 NEWCASTLE DR MAIN ST OLD HWY 64 Sellars Ave Old Highway 64 Mount Moriah Dr OAK ST ROBINS HILL LN Pecan Dr Mount Moriah St BOTTOM RD Cross Ln SELLERS AVE Church Ave Green Way WOODS ST Somerville Rd U S WAY MAIN ST Thompson Bottom Rd WOODS AVE Lander Ln Norman St JACKSON ST Cross Ave TRAILER WAY HIGHWAY 64 Laverne Davis Rd Simmons St Webb St JOHNSTON AVE College St PALO AVE Oak Ave US Highway 64 Shelton Ave Allen Ave NEWSON RD Brewer St MECKLENGBURG DR N OF FARRIS RD WHIT VLE NEWCASTLE RD ELLIS AVE N WHITEVILLE LK Ermon Rd Jackson Ave Allen Avenue Ext City Rd Independence Dr BASS AVE DANCYVILLE-EUREKATON RD Us Way MARTIN LUTHER KING DR MAPLE ST Johnston St DRAKE AVE Cooper Cv MARTIN LUTHER KING DR SYCAMORE ST OAK AVE-PALO ST Minerva Ave MAIN ST W Harris St Apple Tree Cv Main St WHITEVILLE LAKE LN Whiteville Ln WHITEVILLE NEW CASTLE RD Highway 100 Whiteville Newcastle Rd MARTIN LUTHER KING JR DR APPLE CV UNION SPRINGS RD Ebony Way MURPHY LANE S HWY 100 WHITEVILLE-NEW CASTLE RD Murphy Ln Ferguson Rd WHT VLE NEWCASTLE RD APPLE VALLEY CV ALLEN WHITE SCHOOL RD Vine St Cross Ave Cross St Norment Ln Griffin St Morrison Ln Bishop Rd SCHOOL ST Sammons St Woodland Ave Wiley St 1900-WHTVLE / N CASTLE HWY 64 ALLEN AVE E US Highway 64 Jarret Ave MITCHELL AVE E Mount Moriah St MT MORIAH ROAD – GRIFFIN ST Oak Ave OAK ST  W WHT VLE NEW CASTLE RD WHT VLE NEWCASTLE RD-DINK WHT VLE-NEW CASTLE RD J T Hunt Ln MORRISON RD Bass St Whiteville Newcastle Rd INA RD Quarter Rd TRAINER DR Thomas Powell Rd MAY RD PARKER CEMETERY LN Old Jackson Rd Ray Hardister Rd Buddy Haase Ln BOYD ST Jim Hardister Rd Armour Ln FAYETTE CORNER DR Fayette Corner Rd Paul Stuart Rd HUGH CROWDER RD OLD JACKSON ROAD S Temple Way Morris Rd Walker Ln AVENT RD MT CARMEL RD MOUNT TABOR RD OLD JACKSON RD HWY 179 HWY 64 Highway 179 White Ln Chandler Ln Francis Dr HUGH CROWDER LN HUGH CROWDER RD MONROE AVE Walter Stuart Loop Newsom Rd MONROE RD Charlie Edmonds Rd SAMMONS RD MONROE ST N Mount Tabor Rd DVILLE EUREKATON RD MT PLEASANT RD Mount Carmel Rd PERRY RD Mount Pleasant Rd Carmel Rd Bruce Rd Hillville Loop GILLIAM RD Hillville Rd Hillville Vildo Rd Country Rd Robinson Ln DANCYVILLE EUREKATON RD Goodman Rd WALKER DR Eurekaton Rd Walker Rd Douglass Way Sonny Fletcher Rd Vildo Rd MT MORIAH DR

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