104 Mountain Shadow Ln, Benton, TN 37307 Property Records

Polk County property record for 104 Mountain Shadow Ln, Benton, TN 37307

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,256 sqft · built 1994
Lot Size	0.83 acres (36,155 sqft)
Owner	2 Individual Names on File
Last Sale	$385,000 (Oct 2024)
Tax Bill	$990 (2025)
Deeds & Mortgages	Oct 2024 Sale & Mortgage Jun 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`046-061.00`

Property Details

APN / Parcel Number

Primary APN	`046-061.00`
Alternative APNs	`0104604606100` `070046 06100`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	2 Stories
Building Area	2,256 sqft Living Area
Gross Area	2,676 sqft
1st Floor Area	1,192 sqft
Upper Floors Area	1,064 sqft
Basement Area	128 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2007
Architectural Style	Custom Design
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	36,155 sqft (0.83 acres)
Lot Dimensions	353 ft deep x 73 ft wide
Terrain	Rolling
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	192 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	104 MOUNTAIN SHADOW LN
City	BENTON
State	TN
Zip	37307-4449
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	73 X 353 IRR
Legal Subdivision	JIMMY L RICHMOND
Jurisdiction	POLK TN
Township / Civil Division	2
Census Block Group	2
Census Block	2074
Census Tract	950204

Owner

104 Mountain Shadow Ln is owned and occupied by two individuals who bought it in October 2024.

Source: Polk County records, as of December 3, 2025

Owner of Record	2 Individual Names on File
Mailing Address	104 MOUNTAIN SHADOW LN, BENTON, TN 37307-4449
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Oct 30, 2024	Warranty Deed, Transfer · Conventional Mortgage TENNESSEE VALLEY FCU
Jun 13, 2018	Deed of Trust, Mortgage · Second Mortgage (Down Payment) TENNESSEE VALLEY FCU
Jul 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage TENNESSEE VALLEY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2024 · Amount on File
Deed Sale	Oct 30, 2024 · Amount on File
Prior Sale	Jul 22, 2009 · Amount on File
Deed Document Number	20242414
Deed Book / Page	360 / 156
Prior Transfer Date	Oct 25, 2024
Prior Transfer Doc	0WD360/156
Record Updated	Jun 8, 2026

October 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK TN
Recording Date	Oct 30, 2024
Property Address	104 MOUNTAIN SHADOW LN, BENTON, TN 37307-4449
Document Number	0WD360/156
Book / Page	WD360 / 156
Instrument Date	Feb 25, 2024
Instrument	24002414
Transaction Type	Transfer
Record Updated	Jan 16, 2026
Title Company	UNKNOWN, CONVEYANCE T&E INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,424.50
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	535 CHESTNUT ST, CHATTANOOGA, TN 37402-4907

Mortgage

Document Number	0024002415
Date	Oct 30, 2024
Instrument	24002415

Lender

Name	TENNESSEE VALLEY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	5.4%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2029
Change Frequency	6 Months
Min Rate At Change	3.4%
Max Rate At Change	7.4%
Index	Other
Max Rate	10.4%

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK TN
Property Address	104 MOUNTAIN SHADOW LN, BENTON, TN 37307-4449
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001252
Date	Jun 13, 2018
Book Page	TD500/178
Instrument	18001252

Lender

Name	TENNESSEE VALLEY FCU
Type	Credit Union
Address	CHATTANOOGA, TN 37402

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2033

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK TN
Property Address	104 MOUNTAIN SHADOW LN, BENTON, TN 37307-4449
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001633
Date	Jul 23, 2020
Book Page	TD528/51
Instrument	20001633

Lender

Name	TENNESSEE VALLEY FCU
Type	Credit Union
Address	CHATTANOOGA, TN 37402

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 104 Mountain Shadow Ln was $990.

Source: Polk County assessment roll, as of December 3, 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	$990.00	$58,625 (-) Land $2,075 Building $56,550	$234,500 Land $8,300 Building $226,200
2024	$990.00	$58,625 (-) Land $2,075 Building $56,550
2023	$990.00 (+22.37%)	$58,625 (+95.42%) Land $2,075 Building $56,550	$234,500 (+95.42%) Land $8,300 Building $226,200
2022	$809.00	$30,000 Land $2,075 Building $27,925	$120,000 Land $8,300 Building $111,700

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 104 Mountain Shadow Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2003.

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
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2003)
Most Recent Claim	May 2003 · Severe Storms, Tornadoes, And 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 104 Mountain Shadow Ln is moderate, ranking above 57% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 57% of the US · above 78% of Tennessee
Wildfire Likelihood	0.2% 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 7 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Mountain Shadow Ln

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