1045 Smith Store Rd, Guys, TN 38339 Property Records

McNairy County property record for 1045 Smith Store Rd, Guys, TN 38339

Property Summary

Property Type	Rural Home
Details	2 ba · 1,362 sqft · built 2022
Lot Size	25 acres (1,090,742 sqft)
Owner	Individual Name on File
Last Sale	$230,000 (May 2025)
Tax Bill	$720 (2025)
Deeds & Mortgages	May 2025 Sale & Mortgage Oct 2017 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`055151 00109`

Property Details

APN / Parcel Number

Primary APN	`055151 00109`
Alternative APN	`151 00109`

Interior

Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Building Area	1,362 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Metal
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	1,090,742 sqft (25 acres)
Terrain	Rolling
Garage Type	Detached
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Pole Barn	1,600 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	1045 SMITH STORE RD
City	GUYS
State	TN
Zip	38339-5161
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	DISTRICT: 5
Jurisdiction	MCNAIRY TN
Township / Civil Division	7
Census Block Group	1
Census Block	1104
Census Tract	930700

Owner

1045 Smith Store Rd, a rural home, is owned and occupied by an individual who bought it in May 2025.

Source: McNairy County records, as of January 27, 2026

Owner of Record	Individual Name on File
Mailing Address	768 SMITH STORE RD, GUYS, TN 38339-5160
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
May 28, 2025	Warranty Deed, Transfer · Commercial Mortgage THE BANK OF FAYETTE COUNTY
Oct 19, 2017	Warranty Deed, Transfer ATTORNEY ONLY
Mar 24, 2017	Loan Modification, Mortgage HARDIN CNTY BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2025 · Amount on File
Deed Sale	May 28, 2025 · Amount on File
Prior Sale	Jun 9, 2008 · Amount on File
Deed Document Number	0000031831
Deed Book / Page	31 / 831
Record Updated	Jun 8, 2026

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCNAIRY TN
Recording Date	May 28, 2025
Property Address	1045 SMITH STORE RD, GUYS, TN 38339-5161
Document Number	0000031831
Book / Page	31 / 831
Instrument Date	May 28, 2025
Instrument	140434
Transaction Type	Transfer
Record Updated	Jan 28, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$851.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1175 SMITH STORE RD, GUYS, TN 38339-5161

Mortgage

Document Number	0000140435
Date	May 28, 2025
Instrument	140435

Lender

Name	THE BANK OF FAYETTE COUNTY
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCNAIRY TN
Recording Date	Oct 19, 2017
Property Address	SMITH STORE RD, GUYS, TN 38339
Document Number	244187
Book / Page	000244 / 000187
Instrument Date	Oct 16, 2017
Instrument	105137
Transaction Type	Transfer
Record Updated	Jan 10, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$148.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	122 TREECE ST SELMER TN 383753216, SELMER, TN 38375-3216

March 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MCNAIRY TN
Property Address	SMITH STORE RD, GUYS, TN 38339
Document Number	4222835
Book / Page	000422 / 002835
Instrument Date	Mar 24, 2017
Transaction Type	Mortgage
Record Updated	Apr 4, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	346 HUBERT MANUL RD MICHIE TN 383575142, MICHIE, TN 38357-5142

Mortgage

Document Number	4222835
Date	Mar 31, 2017
Book Page	000422/002835
Instrument	102989

Lender

Name	HARDIN CNTY BK
Type	Bank
Address	SAVANNAH, TN 38372

Agreement

Amount	Amount on Record
Term	60 Months
Due	Mar 30, 2022

Tax Assessment & Valuation

The 2025 property tax bill for 1045 Smith Store Rd was $720 with an additional exemption.

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

Property Jurisdictions

Type	Name
State	Tennessee
County	McNairy County
Unified School District	McNairy County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$720.00 Additional exemption filed	$45,625 Land $4,275 Building $41,350
2023		$44,875 Land $4,275 Building $40,600
2022	$55.00		$224,100 Land $58,700 Building $165,400

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 1045 Smith Store Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2010.

Source: FEMA National Flood Hazard Layer, effective December 2, 2008 · 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 Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2010 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes

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 1045 Smith Store Rd is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 57% of Tennessee
Wildfire Likelihood	0.07% 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	SELMER WATER SYSTEM serves 20,648 people · EPA ID TN0000615
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	3 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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

4G LTE only, no 5G reported

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