109 Center St, Normandy, TN 37360 Property Records

Bedford County property record for 109 Center St, Normandy, TN 37360

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,604 sqft · built 1940
Lot Size	0.361 acres (15,730 sqft)
Owner	2 Individual Names on File
Last Sale	$130,000 (Jun 2019)
Deeds & Mortgages	Jun 2019 Sale & Mortgage May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`002095K B 01000`

Property Details

APN / Parcel Number

Primary APN	`002095K B 01000`
Alternative APN	`095K B 01000`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,604 sqft Living Area
1st Floor Area	1,604 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1940
Effective Year Built	Effective 2005
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	15,730 sqft (0.361 acres)
Lot Dimensions	130 ft deep x 121 ft wide
Porch	Open Porch
Porch Area	365 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	109 CENTER ST
City	NORMANDY
State	TN
Zip	37360-5021
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 25, COUNTY AREA: P01
Jurisdiction	BEDFORD TN
Township / Civil Division	5
Census Block Group	2
Census Block	2039
Census Tract	950800

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Normandy Historic District listed 1985 · 44 contributing resources · NRIS 85002786

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

109 Center St is owned and occupied by two individuals who bought it in June 2019.

Source: Bedford County records, as of December 24, 2025

Owner of Record	2 Individual Names on File
Mailing Address	109 CENTER ST, NORMANDY, TN 37360-5021
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
Jun 12, 2019	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
May 12, 2017	Warranty Deed, Transfer PRIMARY RESID'L MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2019 · Amount on File
Deed Sale	Jun 12, 2019 · Amount on File
Prior Sale	May 12, 2017 · Amount on File
Deed Document Number	19003980
Deed Book / Page	D351 / 384
Record Updated	Jun 8, 2026

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD TN
Recording Date	Jun 12, 2019
Property Address	109 CENTER ST, NORMANDY, TN 37360-5021
Document Number	D3980
Book / Page	000351 / 000384
Instrument Date	Jun 7, 2019
Instrument	3980
Transaction Type	Transfer
Record Updated	Jun 24, 2019
Title Company	STEWART TITLE, STEWART TITLE CO TENNESSE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$481.00
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	109 CENTER ST NORMANDY TN 373605021, NORMANDY, TN 37360-5021

Mortgage

Document Number	D3981
Date	Jun 12, 2019
Book Page	000932/000854
Instrument	3981

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 11, 2049

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD TN
Recording Date	May 12, 2017
Property Address	109 CENTER ST, NORMANDY, TN 37360-5021
Document Number	D2863
Book / Page	000337 / 000782
Instrument Date	May 5, 2017
Instrument	2863
Transaction Type	Transfer
Record Updated	Jan 9, 2019
Title Company	FOUNDATION TITLE, FOUNDATION TITLE AND ESCROW SERI

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$314.13
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 CENTER ST NORMANDY TN 373605021, NORMANDY, TN 37360-5021

Mortgage

Document Number	D2864
Date	May 12, 2017
Book Page	000880/000030
Instrument	2864

Lender

Name	PRIMARY RESID'L MTG
Type	Mortgage Company
Address	SALT LAKE CITY, UT 84116

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 11, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Tennessee
County	Bedford County
Municipality	Normandy Town
Unified School District	Bedford County School District (PK - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2025	$38,500 Land $5,000 Building $33,500
2023	$38,500 Land $5,000 Building $33,500
2021		$154,000 Land $20,000 Building $134,000

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 109 Center St 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 August 2, 2007 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 109 Center St is low, with a 0.02% 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	0.02% 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	WARTRACE WATER SYSTEM serves 3,576 people · EPA ID TN0000730
Water Source	Purchased surface water from TULLAHOMA UTILITIES AUTHORITY
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

May also be available: AT&T, United Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Center St

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