101 Water St, Dover, TN 37058 Property Records

Stewart County property record for 101 Water St, Dover, TN 37058

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,986 sqft · built 1998
Lot Size	0.49 acres (21,447 sqft)
Owner	2 Individual Names on File
Last Sale	$15,600 (Jun 1994)
Tax Bill	$1,971 (2025)
Deeds & Mortgages	May 2026 Line of Credit Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`081073O A 02201`

Property Details

APN / Parcel Number

Primary APN	`081073O A 02201`
Alternative APN	`073O A 02201`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	2 Stories
Building Area	1,986 sqft Living Area
1st Floor Area	1,152 sqft
Upper Floors Area	834 sqft
Basement Area	1,152 sqft
Unfinished Basement	1,152 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,447 sqft (0.49 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	535 sqft
Driveway	Driveway
Driveway Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	576 sqft
Patio Area	330 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	101 WATER ST
City	DOVER
State	TN
Zip	37058-3000
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 07, COUNTY AREA: D01
Jurisdiction	STEWART TN
Township / Civil Division	4
Census Block Group	1
Census Block	1006
Census Tract	110700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Fort Donelson National Battlefield listed 1966 · 10 contributing resources · NRIS 66000076

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

101 Water St is owned and occupied by two individuals who bought it in June 1994.

Source: Stewart County records, as of May 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	101 WATER ST, DOVER, TN 37058-3000
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Her Husband

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 1, 2026	Deed of Trust, Mortgage · Line of Credit PENTAGON FEDERAL CREDIT UNION
Mar 14, 2022	Quit Claim Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Mar 14, 2022	Affidavit of Death of Joint Tenant, Transfer
Mar 14, 2022	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 1994 · Amount on File
Deed Sale	Jun 22, 1994 · Amount on File
Deed Book / Page	272 / 695
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEWART TN
Recording Date	May 1, 2026
Property Address	101 WATER ST, DOVER, TN 37058-3000
Document Number	0000076496
Book / Page	331 / 433
Instrument Date	Apr 23, 2026
Instrument	202676496
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	101 WATER ST, DOVER, TN 37058-3000

Mortgage

Document Number	0000076496,
Date	May 1, 2026
Book Page	331/433
Instrument	202676496

Lender

Name	PENTAGON FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 8, 2056

Interest

Rate	6.38%
Max Rate	-1%

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STEWART TN
Recording Date	Mar 14, 2022
Property Address	101 WATER ST, DOVER, TN 37058-3000
Document Number	000268/296
Book / Page	268 / 296
Instrument Date	Mar 7, 2022
Instrument	64124
Transaction Type	Transfer
Record Updated	Mar 28, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	101 WATER ST, DOVER, TN 37058-3000

Mortgage

Document Number	0000064125
Date	Mar 14, 2022
Instrument	64125

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

March 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	STEWART TN
Recording Date	Mar 14, 2022
Property Address	101 WATER ST, DOVER, TN 37058-3000
Document Number	000268/291
Book / Page	268 / 291
Instrument Date	Feb 24, 2022
Instrument	64123
Transaction Type	Transfer
Record Updated	Mar 28, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 WATER ST, DOVER, TN 37058-3000

March 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	STEWART TN
Recording Date	Mar 14, 2022
Property Address	101 WATER ST, DOVER, TN 37058-3000
Document Number	000268/288
Book / Page	268 / 288
Instrument Date	Feb 17, 2022
Instrument	64122
Transaction Type	Transfer
Record Updated	Mar 28, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 WATER ST, DOVER, TN 37058-3000

Tax Assessment & Valuation

The 2025 property tax bill for 101 Water St was $1,971.

Source: Stewart County assessment roll, as of January 26, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Stewart County
Municipality	Dover City
Unified School District	Stewart County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,971.00	$87,250 (-) Land $9,750 Building $77,500
2024	$1,971.00 (+6.48%)	$87,250 (+69.01%) Land $9,750 Building $77,500
2023	$1,851.00	$51,625 (-) Land $6,500 Building $45,125
2022	$1,851.00	$51,625 Land $6,500 Building $45,125	$206,500 (-40.83%) Land $26,000 Building $180,500
2021			$349,000 Land $39,000 Building $310,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 101 Water St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 14, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	3 (2013–2021)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Aug 2021 · river or lake flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 101 Water St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 95% of Tennessee
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	DOVER WATER DEPT serves 4,037 people · EPA ID TN0000193
Water Source	Surface water
Last State Inspection	Nov 2024
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 106 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cumberland Connect Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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