106 White Cloud Trl, Murfreesboro, TN 37127 Property Records

Rutherford County property record for 106 White Cloud Trl, Murfreesboro, TN 37127

Property Summary

Property Type	Single Family Home
Details	3.25 ba · 3,223 sqft · built 1996
Lot Size	0.185 acres (8,062 sqft)
Owner	Individual Name on File
Last Sale	$370,000 (Mar 2018)
Tax Bill	$3,164 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Feb 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`125F-C-064.00-000`

Property Details

APN / Parcel Number

Primary APN	`125F-C-064.00-000`
Alternative APNs	`125F C 06400` `R0075882`

Interior

Full Baths	3.25 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	3,223 sqft Living Area
1st Floor Area	1,902 sqft
Upper Floors Area	1,321 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2010
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Gravel
Lot Area	8,062 sqft (0.185 acres)
Lot Dimensions	106 ft deep x 64.7 ft wide
Garage Type	Attached
Garage Area	440 sqft
Driveway	Driveway
Porch	Slab
Porch Area	31 sqft
Patio Area	440 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	R0075882
Street Address	106 WHITE CLOUD TRL
City	MURFREESBORO
State	TN
Zip	37127-8322
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 155 INDIAN HILLS UNIT 3 SEC 2 PH 2 PB 17 PG 70 64.72 X 106.76 IRR
Legal Subdivision	INDIAN HILLS UNIT 3 SEC 2 PH 2
Legal Block	2
Legal Lot Number	155
Legal Unit	3
Jurisdiction	RUTHERFORD TN
Township / Civil Division	18
Census Block Group	1
Census Block	1008
Census Tract	41201

Owner

106 White Cloud Trl is owned and occupied by an individual who bought it in March 2018.

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

Owner of Record	Individual Name on File
Mailing Address	106 WHITE CLOUD TRL, MURFREESBORO, TN 37127-8322
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
Nov 6, 2023	Deed of Trust, Mortgage · Conventional Mortgage FEDERAL FIRST LENDING LLC
Feb 9, 2024	Warranty Deed, Transfer JAMES L MEGEE
Mar 20, 2018	Warranty Deed, Transfer · Conventional Mortgage FRANKLIN AMERICAN MTG
Nov 6, 2017	Deed of Trust, Mortgage · Line of Credit TRADERS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 20, 2018 · Amount on File
Deed Sale	Mar 20, 2018 · Amount on File
Prior Sale	Jul 20, 2005 · Amount on File
Deed Document Number	20182136311
Deed Book / Page	1658 / 1270
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD TN
Property Address	106 WHITE CLOUD TRL, MURFREESBORO, TN 37127-8322
Transaction Type	Mortgage
Record Updated	Mar 6, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 WHITE CLOUD TRL, MURFREESBORO, TN 37127-8322

Mortgage

Document Number	0023902107
Date	Nov 6, 2023
Book Page	2390/2107
Instrument	2520673

Lender

Name	FEDERAL FIRST LENDING LLC
Address	SCOTTSDALE, AZ 85260

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD TN
Recording Date	Feb 9, 2024
Property Address	106 WHITE CLOUD TRL, MURFREESBORO, TN 37127-8322
Document Number	0024112813
Book / Page	2411 / 2813
Map Reference	MB 1658 PG 1270
Instrument Date	Feb 9, 2024
Instrument	2531787
Transaction Type	Transfer
Record Updated	Mar 6, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,358.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 WHITE CLOUD TRL, MURFREESBORO, TN 37127-8322

Mortgage

Document Number	0024112817
Date	Feb 9, 2024
Book Page	2411/2817
Instrument	2531788

Lender

Name	JAMES L MEGEE
Type	Private Party

Agreement

Amount	Amount on Record

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD TN
Recording Date	Mar 20, 2018
Property Address	106 WHITE CLOUD TRL, MURFREESBORO, TN 37127-8322
Document Number	RB16581270
Book / Page	001658 / 001270
Instrument Date	Mar 15, 2018
Instrument	2136311
Transaction Type	Transfer
Record Updated	Apr 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,369.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 WHITE CLOUD TRL MURFREESBORO TN 371278322, MURFREESBORO, TN 37127-8322

Mortgage

Document Number	RB16581273
Date	Mar 20, 2018
Book Page	001658/001273
Instrument	2136312

Lender

Name	FRANKLIN AMERICAN MTG
Type	Mortgage Company
Address	FRANKLIN, TN 37067

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 19, 2033

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD TN
Property Address	106 WHITE CLOUD TRL, MURFREESBORO, TN 37127-8322
Document Number	RB16271784
Book / Page	001627 / 001784
Instrument Date	Nov 6, 2017
Transaction Type	Mortgage
Record Updated	Dec 4, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	106 WHITE CLOUD TRL MURFREESBORO TN 371278322, MURFREESBORO, TN 37127-8322

Mortgage

Document Number	RB16271784
Date	Nov 20, 2017
Book Page	001627/001784
Instrument	2117704

Lender

Name	TRADERS BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 106 White Cloud Trl was $3,164.

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

Property Jurisdictions

Type	Name
State	Tennessee
County	Rutherford County
Municipality	Murfreesboro City
Elementary School District	Murfreesboro City School District (PK - 06)
Secondary School District	Rutherford County School District in Murfreesboro (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$133,650 (+19.49%) Land $27,500 Building $106,150	$534,600 Land $110,000 Building $424,600
2025	$3,164.00	$111,850 Land $13,750 Building $98,100
2023		$111,850 Land $13,750 Building $98,100	$447,400 (-) Land $55,000 Building $392,400
2022			$447,400 Land $55,000 Building $392,400

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 106 White Cloud Trl in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 14 policies
Nearby Flood Policies	14 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

Wildfire risk around 106 White Cloud Trl is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of Tennessee
Wildfire Likelihood	Under 0.01% 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 271 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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