10523 E Lyon Rd, Readyville, TN 37149 Property Records

Rutherford County property record for 10523 E Lyon Rd, Readyville, TN 37149

Property Summary

Property Type	Single Family Home
Details	1,620 sqft · built 1997
Lot Size	10.8 acres (471,755 sqft)
Owner	2 Individual Names on File
Last Sale	$552,900 (Mar 2026)
Tax Bill	$2,155 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Jan 2022 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`132-010.01-000`

Property Details

APN / Parcel Number

Primary APN	`132-010.01-000`
Alternative APNs	`132 01001` `R0092747`

Interior

Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,620 sqft Living Area
1st Floor Area	1,620 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2010
Architectural Style	Ranch
Exterior Material	Logs
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Gravel
Lot Area	471,755 sqft (10.8 acres)
Porch	Slab
Deck Area	Deck Area
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	R0092747
Street Address	10523 E LYON RD
City	READYVILLE
State	TN
Zip	37149-4592
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	RUTHERFORD TN
Township / Civil Division	4
Census Block Group	2
Census Block	2011
Census Tract	40600

Owner

10523 E Lyon Rd is owned and occupied by two individuals who bought it in March 2026.

Source: Rutherford County records, as of August 11, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	10523 E LYON RD, READYVILLE, TN 37149-4592
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2026	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK NA
Jan 4, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRSTBANK
Aug 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage COGENT BANK
Jun 11, 2018	Warranty Deed, Transfer · Conventional with PMI PINNACLE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2026 · Amount on File
Deed Sale	Mar 17, 2026 · Amount on File
Prior Sale	Jan 4, 2022 · Amount on File
Deed Document Number	20262639506
Deed Book / Page	2625 / 1508
Record Updated	Sep 20, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD TN
Recording Date	Mar 17, 2026
Property Address	10523 E LYON RD, READYVILLE, TN 37149-4592
Document Number	0026251508
Book / Page	2625 / 1508
Instrument Date	Mar 12, 2026
Instrument	2639506
Transaction Type	Transfer
Record Updated	Apr 17, 2026
Title Company	GATEWAY TITLE SERVICES LLC, GATEWAY TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10523 E LYON RD, READYVILLE, TN 37149-4592

Mortgage

Document Number	0026251510
Date	Mar 17, 2026
Instrument	2625/1510

Lender

Name	FIFTH THIRD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD TN
Recording Date	Jan 4, 2022
Property Address	10523 E LYON RD, READYVILLE, TN 37149-4592
Document Number	0021911576
Book / Page	2191 / 1576
Instrument Date	Jan 4, 2022
Instrument	2415478
Transaction Type	Transfer
Record Updated	Feb 16, 2022
Title Company	LAWYERS LAND AND TITLE SERVICES, LAWYERS LAND & TTL SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,035.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Partial Interest Partial Parcel

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10523 E LYON RD, READYVILLE, TN 37149-4592

Mortgage

Document Number	0021911580
Date	Jan 4, 2022
Instrument	2191-1580

Lender

Name	FIRSTBANK
Type	Bank

Agreement

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

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD TN
Property Address	10523 E LYON RD, READYVILLE, TN 37149-4592
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	19412563
Date	Aug 4, 2020
Book Page	1941/2563
Instrument	2293362

Lender

Name	COGENT BANK
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD TN
Recording Date	Jun 11, 2018
Property Address	10523 E LYON RD, READYVILLE, TN 37149-4592
Document Number	RB16813091
Book / Page	001681 / 003091
Instrument Date	Jun 8, 2018
Instrument	2150445
Transaction Type	Transfer
Record Updated	Jun 28, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,304.25
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10523 E LYON RD READYVILLE TN 371494592, READYVILLE, TN 37149-4592

Mortgage

Document Number	RB16813094
Date	Jun 11, 2018
Book Page	001681/003094
Instrument	2150446

Lender

Name	PINNACLE BK
Type	Bank
Address	NASHVILEL, TN 37201

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 10, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 10523 E Lyon Rd was $2,155.

Source: Rutherford County assessment roll, as of August 11, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$142,100 (+23.7%) Land $68,050 Building $74,050	$568,400 Land $272,200 Building $296,200
2025	$2,155.00	$114,875 Land $47,950 Building $66,925
2023	$2,155.00	$114,875 Land $47,950 Building $66,925	$459,500 (-) Land $191,800 Building $267,700
2022			$459,500 Land $191,800 Building $267,700

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 10523 E Lyon Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective January 15, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (2024)
Most Recent Claim	May 2024 · 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 10523 E Lyon Rd is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood	0.02% 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	CONSOLIDATED U.D. OF RUTHERFORD CO serves 221,871 people · EPA ID TN0000791
Water Source	Surface water
Last State Inspection	Jan 2025
Lead	1 ppb (2026) 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
United Communications Fiber	8,000 / 8,000
AT&T Fiber	5,000 / 5,000

Cell Coverage

5G (outdoors only) and 4G LTE

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