Chester County property record for 1075 Smith Rd, Luray, TN 38352 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4,077 sqft · built 2025 |
| Lot Size | 26.3 acres (1,146,935 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $130,000 (Mar 2023) |
| Tax Bill | $3,840 (2026) |
| Deeds & Mortgages | Jan 2026 Mortgage Apr 2024 Construction Loan + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 012017 02402 |
| Primary APN | 012017 02402 |
|---|---|
| Alternative APN |
|
| Building Area | 4,077 sqft Living Area |
|---|---|
| 1st Floor Area | 2,981 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2025 |
|---|---|
| Effective Year Built | Effective 2025 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 1,146,935 sqft (26.3 acres) |
| Terrain | Rolling |
| Garage Area | 926 sqft |
| Porch | Slab |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 1075 SMITH RD |
|---|---|
| City | LURAY |
| State | TN |
| Zip | 38352-1790 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 02, COUNTY AREA: S50 |
| Legal Subdivision | TRACT 1 |
| Jurisdiction | CHESTER TN |
| Township / Civil Division | 2 |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 970102 |
Source: Chester County records · APN 012017 02402
Assessment roll updated July 20, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1075 SMITH RD, LURAY, TN 38352-1790 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
| Date | Document |
|---|---|
| Jan 05, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Apr 12, 2024 | Deed of Trust, Mortgage · Construction Mortgage CENTENNIAL BANK |
| Mar 31, 2023 | Warranty Deed, Transfer · Closed-End Mortgage THE PEOPLES BANK |
| Apr 30, 2021 | Warranty Deed, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 31, 2023 · Amount on Record |
| Deed Sale | Mar 31, 2023 · Amount on Record |
| Prior Sale | Mar 28, 2005 · Amount on Record |
| Deed Document Number | 202373129 |
| Deed Book / Page | 503 / 502 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTER TN |
| Property Address | 1075 SMITH RD, LURAY, TN 38352-1790 |
| Transaction Type | Mortgage |
| Record Updated | Jan 22, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1075 SMITH RD, LURAY, TN 38352-1790 |
| Document Number | 0005410619 |
|---|---|
| Date | Jan 05, 2026 |
| Book Page | 541/619 |
| Instrument | 80777 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 01, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTER TN |
| Property Address | 1075 SMITH RD, LURAY, TN 38352-1790 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2026 |
| Name | Verified Name |
|---|---|
| Address | 115 RIDGEWOOD DR, HENDERSON, TN 38340-1588 |
| Document Number | 0005160308 |
|---|---|
| Date | Apr 12, 2024 |
| Book Page | 516/308 |
| Instrument | 75837 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Address | HENDERSON, TN 38340 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 192 Months |
| Due | Apr 11, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESTER TN |
| Recording Date | Mar 31, 2023 |
| Property Address | 1075 SMITH RD, LURAY, TN 38352-1790 |
| Document Number | 0005030502 |
| Book / Page | 503 / 502 |
| Instrument Date | Mar 31, 2023 |
| Instrument | 73129 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $481.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 115 RIDGEWOOD DR, HENDERSON, TN 38340-1588 |
| Document Number | 0000073130 |
|---|---|
| Date | Mar 31, 2023 |
| Instrument | 73130 |
| Name | THE PEOPLES BANK |
|---|---|
| Type | Bank |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 62 Months |
| Due | May 30, 2028 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHESTER TN |
| Recording Date | Apr 30, 2021 |
| Property Address | 1075 SMITH RD, LURAY, TN 38352-1790 |
| Document Number | 0004740347 |
| Book / Page | 474 / 347 |
| Instrument Date | Apr 29, 2021 |
| Instrument | 67149 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $364.45 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 795 SMITH RD, LURAY, TN 38352-1789 |
Source: Chester County records · Assessment roll updated July 20, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Chester County |
| Unified School District | Chester County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,840.00 (+742.11%) | $188,525 (+741.63%) | $816,000 (+810.71%) Land $96,800 Building $719,200 |
| 2025 | $456.00 (+14.57%) | $22,400 (+39.78%) | $89,600 (+39.78%) Land $89,600 |
| 2023 | $398.00 | $16,025 | $64,100 Land $64,100 |
Source: FEMA National Flood Hazard Layer, Chester County (47023C), updated May 4, 2009 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Wildfire Risk | Low above 20% of the US · above 28% of Tennessee |
|---|---|
| Wildfire Likelihood | About 1 in 5,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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