1037 Thomas Rd, Benton, TN 37307 Property Records

Polk County property record for 1037 Thomas Rd, Benton, TN 37307

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,832 sqft · built 2005
Lot Size	2.41 acres (104,980 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,721 (2025)
Deeds & Mortgages	Nov 2022 Construction Loan Jun 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`070035 07042`

Property Details

APN / Parcel Number

Primary APN	`070035 07042`
Alternative APN	`035 07042`

Interior

Full Baths	3 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	2 Stories
Building Area	1,832 sqft Living Area
1st Floor Area	1,208 sqft
Upper Floors Area	1,040 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2010
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	104,980 sqft (2.41 acres)
Terrain	Rolling
Garage Type	Detached
Parking Spaces	6 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	320 sqft
Deck Area	128 sqft
Patio Area	368 sqft
Shed	1 Shed
Shed Area	480 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	1037 THOMAS RD
City	BENTON
State	TN
Zip	37307-5200
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 01, COUNTY AREA: D01
Legal Subdivision	ROBERT BANKS PROP
Legal Lot Number	42-A
Jurisdiction	POLK TN
Township / Civil Division	1
Census Block Group	2
Census Block	2025
Census Tract	950203

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 435, BENTON, TN 37307-0435
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2022	Deed of Trust, Mortgage · Construction Mortgage PEOPLES BANK
Jun 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage TJC MORTGAGE INC
Jul 7, 2017	Loan Modification, Mortgage · Conventional with PMI WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2007
Deed Sale	Aug 23, 2007
Deed Document Number	0000252489
Deed Book / Page	WD252 / 426
Prior Transfer Date	Aug 7, 2007
Prior Transfer Doc	00WD252426
Record Updated	Jun 8, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK TN
Property Address	1037 THOMAS RD, BENTON, TN 37307-5200
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1037 THOMAS RD, BENTON, TN 37307-5200

Mortgage

Document Number	00TD569/38
Date	Nov 14, 2022
Book Page	TD569/38
Instrument	22003192

Lender

Name	PEOPLES BANK
Type	Bank
Address	HOHENWALD, TN 38462

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	186 Months
Due	May 10, 2038

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK TN
Property Address	1037 THOMAS RD, BENTON, TN 37307-5200
Transaction Type	Mortgage
Record Updated	Jun 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0TD562/438
Date	Jun 7, 2022
Book Page	TD562/438
Instrument	22001777

Lender

Name	TJC MORTGAGE INC
Type	Mortgage Company
Address	BIRMINGHAM, AL 35243

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2037

July 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK TN
Property Address	1037 THOMAS RD, BENTON, TN 37307-5200
Document Number	0000001668
Instrument Date	Jul 7, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1037 THOMAS RD BENTON TN 373075200, BENTON, TN 37307-5200

Mortgage

Document Number	0000001668
Date	Aug 3, 2017
Book Page	000491/000001
Instrument	1668

Lender

Name	WELLS FARGO BK
Address	FORT MILL, SC 29715

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 2, 2047

Interest

Rate Type	Fixed Rate
Rate	4.25%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Tennessee
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	$1,721.00	$101,875 (-) Land $6,875 Building $95,000
2024	$1,721.00 (+20.6%)	$101,875 (-) Land $6,875 Building $95,000
2023	$1,427.00 (+11.83%)	$101,875 (+100.54%) Land $6,875 Building $95,000	$407,500 (+100.54%) Land $27,500 Building $380,000
2022	$1,276.00	$50,800 Land $6,875 Building $43,925	$203,200 Land $27,500 Building $175,700

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

Flood

Source: FEMA National Flood Hazard Layer, effective May 18, 2009 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force

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

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

Wildfire Risk	Moderate above 46% of the US · above 62% of Tennessee
Wildfire Likelihood	0.1% 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	OCOEE UTILITY DISTRICT serves 21,082 people · EPA ID TN0000525
Water Source	Purchased surface water from several systems
Last State Inspection	May 2025
Lead	Under 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	2 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 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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