102 Stephens St, Benton, TN 37307 Property Records

Polk County property record for 102 Stephens St, Benton, TN 37307

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,129 sqft · built 2008
Lot Size	0.139 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$105,000 (Jun 2018)
Tax Bill	$944 (2025)
Deeds & Mortgages	Jun 2018 Sale & Mortgage Apr 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`070035N D 00300`

Property Details

APN / Parcel Number

Primary APN	`070035N D 00300`
Alternative APN	`035N D 00300`

Interior

Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,129 sqft Living Area
1st Floor Area	1,129 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.139 acres)
Lot Dimensions	85 ft deep x 75 ft wide
Garage Type	Unfinished
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	384 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	None
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	102 STEPHENS ST
City	BENTON
State	TN
Zip	37307-3128
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 01, COUNTY AREA: D01
Legal Subdivision	CUTCHER ADD
Legal Lot Number	5
Jurisdiction	POLK TN
Township / Civil Division	1
Census Block Group	1
Census Block	1020
Census Tract	950203

Owner

102 Stephens St is owned and occupied by two individuals who bought it in June 2018.

Source: Polk County records, as of January 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	102 STEPHENS ST, BENTON, TN 37307-3128
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 5, 2018	Warranty Deed, Transfer · FHA Mortgage LENDUS LLC
Apr 7, 2017	Deed of Trust, Mortgage · Conventional with PMI HOMETOWN LNDRS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 5, 2018 · Amount on File
Deed Sale	Jun 5, 2018 · Amount on File
Prior Sale	May 30, 2003 · Amount on File
Deed Document Number	18001182
Deed Book / Page	WD310 / 017
Record Updated	Jun 8, 2026

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK TN
Recording Date	Jun 5, 2018
Property Address	102 STEPHENS ST, BENTON, TN 37307-3128
Document Number	0WD310/017
Book / Page	WD310 / 017
Instrument Date	May 25, 2018
Instrument	18001182
Transaction Type	Transfer
Record Updated	Sep 1, 2022
Title Company	CREEKSIDE TITLE & ESCROW LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$388.50
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 STEPHENS ST, BENTON, TN 37307-3128

Mortgage

Document Number	0018001183
Date	Jun 5, 2018
Instrument	18001183

Lender

Name	LENDUS LLC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2048

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK TN
Property Address	102 STEPHENS ST, BENTON, TN 37307-3128
Document Number	0000000771
Book / Page	000487 / 000120
Instrument Date	Apr 7, 2017
Transaction Type	Mortgage
Record Updated	Apr 24, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 STEPHENS ST BENTON TN 373073128, BENTON, TN 37307-3128

Mortgage

Document Number	0000000771
Date	Apr 17, 2017
Book Page	000487/000120
Instrument	771

Lender

Name	HOMETOWN LNDRS
Address	HUNTSVILLE, AL 35806

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 16, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 102 Stephens St was $944, up 1.4% from the year before.

Source: Polk County assessment roll, as of May 20, 2025

Property Jurisdictions

Type	Name
State	Tennessee
Municipality	Benton Town
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$944.00 (+1.4%)	$42,125 (-) Land $1,525 Building $40,600
2024	$931.00 (+0.32%)	$42,125 (-) Land $1,525 Building $40,600
2023	$928.00 (+17.92%)	$42,125 (+75.7%) Land $1,525 Building $40,600	$168,500 (+75.7%) Land $6,100 Building $162,400
2022	$787.00	$23,975 Land $1,200 Building $22,775	$95,900 Land $4,800 Building $91,100

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 102 Stephens St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 18, 2009

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 102 Stephens St is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · above 51% of Tennessee
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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	BENTON WATER SYSTEM serves 2,580 people · EPA ID TN0000048
Water Source	Groundwater
Last State Inspection	Sep 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	1 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 114 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30
AT&T DSL	100 / 20

May also be available: Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

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