1077 Thomas Rd, Benton, TN 37307 Property Records

Polk County property record for 1077 Thomas Rd, Benton, TN 37307

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,792 sqft · built 1940
Lot Size	5.67 acres (246,985 sqft)
Owner	Individual Name on Record
Last Sale	$227,000 (Dec 2020)
Tax Bill	$693 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`070035 07044`

Property Details

APN / Parcel Number

Primary APN	`070035 07044`
Alternative APN	`035 07044`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,792 sqft Living Area
1st Floor Area	1,792 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1980
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	246,985 sqft (5.67 acres)
Terrain	Rolling

Exterior Amenities

Porch	Open Porch
Porch Area	464 sqft
Shed	1 Shed
Shed Area	600 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	1077 THOMAS RD
City	BENTON
State	TN
Zip	37307-5200
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 01, COUNTY AREA: D01
Legal Subdivision	RIVERSTONE SUB
Legal Lot Number	44
Jurisdiction	POLK TN
Township / Civil Division	1
Census Block Group	2
Census Block	2025
Census Tract	950203

Owner

Source: Polk County records, as of January 23, 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	1077 THOMAS RD, BENTON, TN 37307-5200
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2020	Warranty Deed, Transfer · Conventional Mortgage BANK OF CLEVELAND
Oct 2, 2018	Warranty Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2020 · Amount on Record
Deed Sale	Dec 15, 2020 · Amount on Record
Prior Sale	Oct 2, 2018 · Amount on Record
Deed Document Number	20003074
Deed Book / Page	WD327 / 114
Record Updated	Jun 8, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK TN
Recording Date	Dec 15, 2020
Property Address	1077 THOMAS RD, BENTON, TN 37307-5200
Document Number	0WD327/114
Book / Page	WD327 / 114
Map Reference	MB 8 PG 136
Instrument Date	Dec 8, 2020
Instrument	20003074
Transaction Type	Transfer
Record Updated	Mar 15, 2022
Title Company	REALTY T&E SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$839.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1077 THOMAS RD, BENTON, TN 37307-5200

Mortgage

Document Number	0000003075
Date	Dec 15, 2020
Book Page	TD535/45
Instrument	20003075

Lender

Name	BANK OF CLEVELAND
Type	Bank
Address	CLEVELAND, TN 37311

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK TN
Recording Date	Oct 2, 2018
Property Address	1077 THOMAS RD, BENTON, TN 37307-5200
Document Number	0000002103
Book / Page	000312 / 000064
Instrument Date	Sep 27, 2018
Instrument	2103
Transaction Type	Transfer
Record Updated	Oct 10, 2018
Title Company	KELTY TITLE AND ESCROW SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$647.50
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	1077 THOMAS RD BENTON TN 373075200, BENTON, TN 37307-5200

Mortgage

Document Number	2104
Date	Oct 2, 2018
Book Page	000504/000324
Instrument	2104

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$693.00	$41,025 (-) Land $10,600 Building $30,425
2024	$693.00	$41,025 (-) Land $10,600 Building $30,425
2023	$693.00 (-5.07%)	$41,025 (+41.1%) Land $10,600 Building $30,425	$164,100 (+41.1%) Land $42,400 Building $121,700
2022	$730.00	$29,075 Land $10,600 Building $18,475	$116,300 Land $42,400 Building $73,900

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

Source: FEMA National Flood Hazard Layer, effective May 18, 2009 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 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

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

Wildfire Risk	Moderate above 46% of the US · above 62% of Tennessee
Wildfire Likelihood	0.1% 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	OCOEE UTILITY DISTRICT serves 21,082 people · EPA ID TN0000525
Water Source	Purchased surface water from several systems
Last State Inspection	May 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Thomas Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures