10686 Rockvale Rd, Rockvale, TN 37153 Property Records

Rutherford County property record for 10686 Rockvale Rd, Rockvale, TN 37153

Property Summary

Property Type	Single Family Home
Details	1 ba · 3,278 sqft · built 1980
Lot Size	2.97 acres (129,373 sqft)
Owner	2 Individual Names on File
Last Sale	$339,900 (Nov 2022)
Tax Bill	$2,198 (2025)
Deeds & Mortgages	May 2026 Mortgage Nov 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`146-045.01-000`

Property Details

APN / Parcel Number

Primary APN	`146-045.01-000`
Alternative APNs	`146 04501` `R0080847`

Interior

Full Baths	1 Bath
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	3,278 sqft Living Area
1st Floor Area	1,560 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2006
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Gravel
Lot Area	129,373 sqft (2.97 acres)
Driveway	Driveway
Porch	Slab
Deck Area	204 sqft
Patio Area	204 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	R0080847
Street Address	10686 ROCKVALE RD
City	ROCKVALE
State	TN
Zip	37153-4235
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	J & J
Legal Lot Number	1
Jurisdiction	RUTHERFORD TN
Township / Civil Division	8
Census Block Group	3
Census Block	3010
Census Tract	40809

Owner

10686 Rockvale Rd is owned and occupied by two individuals who bought it in November 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	10686 ROCKVALE RD, ROCKVALE, TN 37153-4235
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 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 28, 2022	Warranty Deed, Transfer · Conventional Mortgage COGENT BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 28, 2022 · Amount on File
Deed Sale	Nov 28, 2022 · Amount on File
Deed Document Number	20222473331
Deed Book / Page	2300 / 2041
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUTHERFORD TN
Recording Date	May 1, 2026
Property Address	10686 ROCKVALE RD, ROCKVALE, TN 37153-4235
Document Number	0002647147
Book / Page	2640 / 1850
Instrument Date	Apr 27, 2026
Instrument	20262647147
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10686 ROCKVALE RD, ROCKVALE, TN 37153-4235

Mortgage

Document Number	0002647147,
Date	May 1, 2026
Book Page	2640/1850
Instrument	20262647147

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD TN
Recording Date	Nov 28, 2022
Property Address	10686 ROCKVALE RD, ROCKVALE, TN 37153-4235
Document Number	0023002041
Book / Page	2300 / 2041
Map Reference	MB 11 PG 350
Instrument Date	Nov 21, 2022
Instrument	2473331
Transaction Type	Transfer
Record Updated	May 12, 2023
Title Company	NOT AVAILABLE, STRUCTURE TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,257.63
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10686 ROCKVALE RD, ROCKVALE, TN 37153-4235

Mortgage

Document Number	0023002044
Date	Nov 28, 2022
Instrument	2300-2044

Lender

Name	COGENT BANK
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 10686 Rockvale Rd was $2,198.

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		$146,825 (+107.89%) Land $42,075 Building $104,750	$587,300 Land $168,300 Building $419,000
2025	$2,198.00	$70,625 Land $22,700 Building $47,925
2023	$1,301.00	$69,350 Land $22,700 Building $46,650	$277,400 (-40.82%) Land $90,800 Building $186,600
2022			$468,700 Land $90,800 Building $377,900

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 10686 Rockvale Rd in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 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 10686 Rockvale Rd is low, with 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 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood	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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
United Communications Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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