107 Circle Dr, Prospect, TN 38477 Property Records

Giles County property record for 107 Circle Dr, Prospect, TN 38477

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,402 sqft · built 2002
Lot Size	0.65 acres (28,314 sqft)
Owner	Individual Name on Record
Last Sale	$275,000 (Aug 2022)
Tax Bill	$1,480 (2025)
Deeds & Mortgages	Nov 2019 Mortgage Aug 2022 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`028164 08700`

Property Details

APN / Parcel Number

Primary APN	`028164 08700`
Alternative APN	`164 08700`

Interior

Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	2,402 sqft Living Area
1st Floor Area	1,210 sqft
Upper Floors Area	1,192 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	28,314 sqft (0.65 acres)
Lot Dimensions	130 ft deep x 180 ft wide
Terrain	Rolling
Garage Type	Finished
Garage Area	416 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	560 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	107 CIRCLE DR
City	PROSPECT
State	TN
Zip	38477-6360
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 02, COUNTY AREA: R01
Jurisdiction	GILES TN
Township / Civil Division	1
Census Block Group	1
Census Block	1067
Census Tract	920700

Owner

Source: Giles County records, as of January 26, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	107 CIRCLE DR, PROSPECT, TN 38477-6360
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2019	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Aug 26, 2022	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Feb 23, 2021	Warranty Deed, Transfer · Conventional Mortgage CHURCHILL MORTGAGE CORP
Nov 30, 2018	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
Mar 20, 2018	Grant Deed, Transfer PREMIUM TITLE INC
Mar 13, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2022 · Amount on Record
Deed Sale	Aug 26, 2022 · Amount on Record
Prior Sale	Feb 23, 2021 · Amount on Record
Deed Document Number	22140121
Deed Book / Page	D397 / 679
Record Updated	Jun 8, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILES TN
Property Address	107 CIRCLE DR, PROSPECT, TN 38477-6360
Transaction Type	Mortgage
Record Updated	Sep 8, 2022
Title Company	OMNIA TITLE CORP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000124020
Date	Nov 1, 2019
Book Page	DT587/841
Instrument	19124020

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2049

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GILES TN
Recording Date	Aug 26, 2022
Property Address	107 CIRCLE DR, PROSPECT, TN 38477-6360
Document Number	0000140121
Book / Page	D397 / 679
Instrument Date	Aug 22, 2022
Instrument	22140121
Transaction Type	Transfer
Record Updated	Jan 16, 2026
Title Company	BELL AND ALEXANDER TITLE SERVICES, BELL & ALEXANDER TTL SVCS IN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,017.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 CIRCLE DR, PROSPECT, TN 38477-6360

Mortgage

Document Number	0000140122
Date	Aug 26, 2022
Instrument	22140122

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GILES TN
Recording Date	Feb 23, 2021
Property Address	107 CIRCLE DR, PROSPECT, TN 38477-6360
Document Number	0000130817
Book / Page	D388 / 556
Instrument Date	Feb 12, 2021
Instrument	21130817
Transaction Type	Transfer
Record Updated	Jan 16, 2026
Title Company	BELL AND ALEXANDER TITLE SERVICES, BELL & ALEXANDER TTL SVCS IN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$647.13
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 CIRCLE DR, PROSPECT, TN 38477-6360

Mortgage

Document Number	0000130818
Date	Feb 23, 2021
Instrument	21130818

Lender

Name	CHURCHILL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	481 Months
Due	Mar 1, 2061

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GILES TN
Recording Date	Nov 30, 2018
Property Address	107 CIRCLE DR, PROSPECT, TN 38477-6360
Document Number	0000119534
Book / Page	000378 / 000609
Instrument Date	Nov 30, 2018
Instrument	119534
Transaction Type	Transfer
Record Updated	Dec 11, 2018
Title Company	GILES TITLE AND ESCROW SERVICES LLC, GILES TITLE & ESCROW SVCS LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$619.75
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	107 CIRCLE DR PROSPECT TN 384776360, PROSPECT, TN 38477-6360

Mortgage

Document Number	119535
Date	Nov 30, 2018
Book Page	000575/000067
Instrument	119535

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 29, 2048

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GILES TN
Recording Date	Mar 20, 2018
Property Address	107 CIRCLE DR, PROSPECT, TN 38477-6360
Document Number	0000115997
Book / Page	000375 / 000246
Instrument Date	Mar 8, 2018
Instrument	115997
Transaction Type	Transfer
Record Updated	Mar 27, 2018
Title Company	PREMIUM TITLE INC

Transaction

Amount	Amount Recorded
Tax	$281.20
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	373 CORTNER HOLLOW RD PETERSBURG TN 371448542, PETERSBURG, TN 37144-8542

March 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	GILES TN
Recording Date	Mar 13, 2017
Property Address	107 CIRCLE DR, PROSPECT, TN 38477-6360
Document Number	0000111321
Book / Page	000370 / 000949
Instrument Date	Mar 6, 2017
Instrument	111321
Transaction Type	Foreclosure
Record Updated	Mar 17, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$218.16
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1661 WORTHINGTON RD #100 WEST PALM BEACH FL 334096493, 100, WEST PALM BEACH, FL 33409-6493

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,480.00 (+16.08%)	$64,200 (-) Land $4,575 Building $59,625
2024	$1,275.00	$64,200 (-) Land $4,575 Building $59,625
2023	$1,275.00	$64,200 (-) Land $4,575 Building $59,625
2022	$1,275.00	$64,200 Land $4,575 Building $59,625	$256,800 Land $18,300 Building $238,500

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

Source: FEMA National Flood Hazard Layer, effective August 30, 2017 · 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	4 (2004–2020)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Jan 2020 · other causes

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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	SOUTH GILES UTILITY DISTRICT serves 6,985 people · EPA ID TN0000649
Water Source	Purchased surface water from several systems
Last State Inspection	Jul 2025
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jul 2019
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 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
PES Energize Fiber	5,000 / 5,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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