20 Rutledge St 411, Nashville, TN 37210
20 Rutledge St 411, Nashville, TN 37210, Active at $685,000 ($596/sq ft). 2 bd · 2 ba · 1,150 sqft · $596/sqft · 0.04 ac.
20 Rutledge St 411, Nashville, TN 37210, Active at $685,000 ($596/sq ft). 2 bd · 2 ba · 1,150 sqft · $596/sqft · 0.04 ac.
Active · $685,000
MLS #3306565 · listed July 25, 2026 · 97 days on market · updated September 6, 2026
2-bed, 2-bath condo at 20 Rutledge St 411 in City Lights, Nashville, 1,150 sqft, $685,000 ($596/sqft), by Compass.
20 Rutledge St 411 is a 2-bedroom, 2-bath condo in Nashville, TN 37210, offered at $685,000, about $596/sq ft across 1,150 sq ft.
At $596/sq ft, this condo is about 67% above the Nashville 37210 median list price per square foot of $356.
Recently sold in Nashville 37210: 38 comparable condos from $483,500 to $905,000, a median of $324/sq ft.
Market read: the Nashville 37210 condos market is buyer-favored as of October 25, 2026, at about 6.5 months of inventory; recent sales have closed near 100% of list in the 12 months to October 26, 2026.
All-in, about $5,291/mo at 20% down (7.33% 30-year fixed).
Beyond principal and interest, the recurring carrying costs on this condo (property tax, insurance, and HOA) run about $1,523/mo, roughly 29% of the all-in monthly payment.
At the current 7.33% 30-year rate, principal and interest on this condo runs about $3,768/mo; at the 6.81% rate of about three months ago it would be roughly $3,576/mo, so monthly P&I is about $192 higher now.
Next step: ask Grant Hammond anything about 20 Rutledge St 411 (comps, HOA, tours) and he replies personally, usually same day.
Analysis by Grant Hammond, Compass RE. Figures as of September 6, 2026. Realtracs via IDX.
This is a condominium; HOA dues and building context are factored into the cost and pricing analysis below.
More context: Nashville condos and building guides.
20 Rutledge St 411 is on the market under more than one Realtracs listing. This page follows MLS #3306565. Also at this address:
An exceptional opportunity to own in City Lights, one of downtown Nashville's premier luxury high-rise communities and one of the best values currently available in the building. This two-bedroom condo features a desirable split-bedroom floor plan with two private en suites, hardwood flooring, quartz countertops, full-height cabinetry, stainless steel appliances, a gas range, and a spacious kitchen that flows seamlessly into the dining and living areas. A thoughtfully designed built-in shelving nook provides the perfect place for books, artwork, collectibles, or additional storage. Two reserved parking spaces in the secured garage are located beside the owner's elevator for convenient access, and a private secured storage unit, an added feature not found with every residence, is also included. Located in the heart of historic Rutledge Hill, directly across from the future Starbucks Southeast corporate office at Peabody Union, you'll enjoy walkability to Ascend Amphitheater, Nissan Stadium, neighborhood favorites like Husk, Harper's, Pinewood Social, and Crema, while returning home to one of downtown's quieter, upscale neighborhoods just beyond the hustle and bustle of Lower Broadway. Ideal as a primary residence, second home, or investment property in a community that allows long term leasing, (No STR) this condo offers an exceptional combination of location, lifestyle, and value.
Listing remarks via the Realtracs Internet Data Exchange.
Complete reported fields for 20 Rutledge St 411 (reference).
| Date | Event | Price | Change |
|---|---|---|---|
| Price change | $685,000 | -$10,000 (-1.4%) | |
| Price change | $695,000 | -$30,000 (-4.1%) | |
| Listed | $725,000 | ||
| Deed recorded | $530,000 | ||
| Quitclaim deed | $0 |
Listed July 25, 2026, this listing has been on the market 97 days as of October 30, 2026. The price has been reduced 2 times, from $725,000 to $685,000 (-5.5%). The most recent change was first seen on our daily record September 13, 2026.
County assessment from Davidson County public records; listing-cycle history tracked by the GH Market Engine.
The Davidson County Assessor's appraised value of 20 Rutledge St 411 by year: $504,600 in 2020 to $606,100 in 2025, a change of +20%. Appraised value is the county's figure for taxation, not a market value or a sale price.
| Year | Land | Building | Yard items | Total | Category |
|---|---|---|---|---|---|
| 2025 | $196,000 | $410,100 | $0 | $606,100 | ROLL |
| 2021 | $208,000 | $323,200 | $0 | $531,200 | ROLL |
| 2020 | $170,000 | $334,600 | $0 | $504,600 | ROLL |
Source: Davidson County Assessor of Property, historical appraisal record, as recorded; totals are the county's own figures. Davidson County reappraises every four years (most recently 2025); other years reflect changes recorded between reappraisals.
Estimated monthly ownership for 20 Rutledge St 411 at $685,000: principal & interest, property tax, insurance, and the HOA fee decomposed below. Estimate only; not a loan offer.
| List price | $685,000 |
|---|---|
| HOA dues | $741 / mo |
| HOA fee includes | Confirm per building (commonly insurance, exterior maintenance, amenities); the fee is part of true monthly cost. |
| Property tax basis | Assessed value × 25% (TN residential ratio) × the Metro Nashville / Davidson County rate |
Estimated total monthly payment for 20 Rutledge St 411 is about $5,291/mo, 20% down on a 30-year fixed at 7.33% (a conforming loan), including principal & interest $3,768, estimated property tax $402, homeowners insurance $380, and HOA dues $741. Estimate only; not a loan offer.
| Principal & interest | $3,768/mo |
|---|---|
| Property tax (est.) | $402/mo |
| Homeowners insurance (est.) | $380/mo |
| HOA dues | $741/mo |
| Estimated total | $5,291/mo |
Assumes 20% down, 30-year fixed at 7.33% (Mortgage News Daily, as of October 23, 2026). Property tax uses the Davidson County Urban Services District rate at the 25% TN residential ratio. Estimate only; not a loan offer or appraisal. Enable JavaScript to adjust down payment, term, loan type, and rate.
| 30-year rate | Principal & interest | Est. total / mo | vs current |
|---|---|---|---|
| 6.33% | $3,403/mo | $4,926/mo | -$365/mo |
| 6.83% | $3,584/mo | $5,107/mo | -$184/mo |
| 7.33% | $3,768/mo | $5,291/mo | current |
| 7.83% | $3,956/mo | $5,479/mo | +$188/mo |
| 8.33% | $4,148/mo | $5,671/mo | +$380/mo |
Principal & interest on a 30-year fixed at 20% down ($548,000 loan), with property tax, insurance, and HOA held constant at $1,523/mo. Current 30-year fixed 7.33% (Mortgage News Daily, as of October 23, 2026). Estimate only; not a loan offer.
Owning 20 Rutledge St 411 runs about $5,291/mo all-in, from the payment estimate above. Whether buying beats renting turns on how long you stay, how fast prices and rents move, and the rent you would otherwise pay. Turn on JavaScript to model those assumptions and find the year buying pulls ahead.
Method: net cost to own equals down payment plus about 3% closing plus payments made, minus equity built (principal paid and appreciation) and about 7% exit costs, measured against cumulative rent. Broker commissions are not set by law and are fully negotiable. Estimate only; not financial advice.
| HOA dues | $741 / mo (about 14% of the estimated total payment) |
|---|---|
| HOA per year | $8,892 |
| HOA over 5 years | $44,460 (at current dues) |
| Effective carrying cost | $4.601 / sq ft / mo (estimated total over 1,150 sq ft) |
HOA dues are part of true monthly cost and typically cover items such as building insurance, exterior maintenance, and amenities; coverage varies by building. Dues can change and buildings may levy special assessments, so review the current budget, reserve study, and any planned assessments before offering. Figures use current dues; estimate only, not a loan offer.
The Davidson County appraised value of $606,100 trails the $685,000 list price. If the next reassessment moves the appraised value toward today's market, estimated annual property tax would rise from about $4,264 now to roughly $4,819 (appraised value times the 25% Tennessee residential ratio times the Davidson County Urban Services District rate). Reassessment timing and the certified rate can change, and a purchase does not by itself trigger reassessment. Verify with the Davidson County Assessor of Property and Trustee. Estimate only.
| Metric | This condo | Nashville 37210 active | Recently sold |
|---|---|---|---|
| Price / sq ft | $596 | $355 median | - |
| Price position | 69th pctile | +68% vs median | - |
This listing beside the active Nashville 37210 market and recent recorded closings. Computed by Grant Hammond from Realtracs via IDX, as of October 31, 2026.
This listing beside the active Nashville 37210 market and recent recorded closings. Computed by Grant Hammond from Realtracs via IDX, as of October 26, 2026.
At $596/sq ft, this condo ranks in the 69th percentile of the 164 active condos in Nashville 37210 by price per square foot.
Computed by Grant Hammond from 164 Nashville 37210 comparables (Realtracs via IDX), as of October 31, 2026, refreshed weekly.
| Active listings | 74 in Nashville 37210 condos |
|---|---|
| Recent absorption | about 11.4 sales / mo |
| Months of inventory | 6.5 months, a buyer-favored market (ample supply) |
Over the past 12 months, homes in Nashville 37210 condos sold at about 100% of list price.
Recorded sales in Nashville 37210 condos: 99 in the past 12 months.
Supply-side and recent-sale context for Nashville 37210 condos. Sale figures are trailing 6/12/24-month medians of recorded Nashville 37210 condos closings. Source Realtracs via IDX, as of October 25, 2026.
20 Rutledge St 411 sits in City Lights, Nashville, Davidson County.
In Nashville 37210, homes there are priced around $356 per square foot; inventory in Nashville 37210 condos is running at about 6.5 months, a buyer-favored market; recent sales closed near 100% of list price; 38 sales have been recorded in the past year.
Neighborhood housing-market facts computed by Grant Hammond from Realtracs via IDX, as of October 26, 2026.
Approximately 0.8 miles from downtown Nashville (straight-line distance).
20 Rutledge St 411 is zoned for Jones Paideia Magnet, John Early Paideia Magnet, Pearl Cohn Magnet High School. Attendance zones and enrollment change, confirm current zoning with the Metro Nashville Public Schools district before relying on it.
Get the full details, recent comparable sales, and any off-market options for 20 Rutledge St 411 - plus tour times if you want them. Grant Hammond, Compass RE, replies personally, usually the same day.
Comparable listings near 20 Rutledge St 411, by price and size.
Listed by Benita Giovannetti, Compass. Properties marked with the MTRMLS logo are provided courtesy of the Realtracs Internet Data Exchange Program. Information believed accurate but not guaranteed. IDX by Diverse Solutions.
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As of the latest update (September 6, 2026), 20 Rutledge St 411, Nashville is active, per Realtracs. Contact Grant Hammond, Compass RE, for current availability.
20 Rutledge St 411 was listed on July 25, 2026 and has been on the market 97 days as of October 30, 2026, per Realtracs.
Yes. It was first listed at $725,000. The price has been reduced 2 times, most recently to $685,000 by September 13, 2026, a total change of -5.5%.
20 Rutledge St 411, Nashville is listed at $685,000, about $596 per square foot across 1,150 square feet.
2 bedrooms and 2 bathrooms.
About $596 per square foot ($685,000 across 1,150 sqft).
20 Rutledge St 411, Nashville was built in 2019.
Yes, 2 garage spaces, per the listing.
HOA dues are $741 per month, as listed.
20 Rutledge St 411, Nashville is in the City Lights subdivision of Nashville.
About $5,291 a month with 20% down on a 30-year fixed at 7.33%, principal and interest $3,768, estimated property tax $402, insurance $380, and HOA $741. Estimate only; not a loan offer. Adjust the down payment, term, loan type, and rate in the financing calculator on this page.
20 Rutledge St 411, Nashville is zoned for Jones Paideia Magnet, John Early Paideia Magnet, Pearl Cohn Magnet High School. Attendance zones and enrollment change, verify current zoning with the Metro Nashville Public Schools district.
HOA dues are $741 per month; coverage varies by building (commonly insurance, exterior maintenance, and amenities). Confirm the fee-includes for this building.
At $596 per square foot, 20 Rutledge St 411, Nashville is in the 69th percentile of active listings in the Nashville 37210, about 67% above the $356 building median, on a fee-adjusted price-per-square-foot basis. Comp-based analysis by Grant Hammond, Compass RE, not an appraisal.
Request a time using the tour form on this page (in-person or a live video walkthrough), or call or text Grant Hammond, Compass RE, at (615) 945-7123. Most showings are confirmed within 24 to 48 hours.
Grant Hammond, Compass RE, can prepare and present your offer, walk you through price, contingencies, and timeline, and represent you through closing. Start with the form on this page or call (615) 945-7123. Broker fees are not set by law and are fully negotiable.
Yes. This page shows the full photo set and reported MLS fields; contact Grant Hammond, Compass RE, for a disclosure packet, recent comparable sales, and any off-market options.
Grant Hammond, Compass RE (TN Broker), with 25+ years and $1B+ in Middle Tennessee sales and 350+ Nashville high-rise condo sales. Use the tour or question form on this page.
At about $596 per square foot, 20 Rutledge St 411, Nashville ranks in the 69th percentile of active Nashville 37210 listings by price per square foot, roughly 67% above the Nashville 37210 median; recent comparable sales in Nashville 37210 closed near $324 per square foot. This is comp-based analysis by Grant Hammond, Compass RE, not an appraisal.
The Nashville 37210 condos market is currently buyer-favored (ample supply), at about 6.5 months of inventory; recent sales have closed near 100% of list price over the past year, per Realtracs as of October 25, 2026.
Thinking of selling in City Lights?
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