109 Howard Dr, White Pine, TN 37890 Property Records

Jefferson County property record for 109 Howard Dr, White Pine, TN 37890

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,312 sqft · built 2019
Lot Size	0.414 acres (18,029 sqft)
Owner	2 Individual Names on File
Last Sale	$210,000 (Dec 2021)
Tax Bill	$906 (2024)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Jul 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`028N-D-016.00`

Property Details

APN / Parcel Number

Primary APN	`028N-D-016.00`
Alternative APNs	`03028ND028N01600` `045028N D 01600`

Interior

Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,312 sqft Living Area
Gross Area	1,732 sqft
1st Floor Area	1,312 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Custom Design
Exterior Material	Siding Sheathing
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	18,029 sqft (0.414 acres)
Lot Dimensions	176 ft deep x 102 ft wide
Terrain	Rolling
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	96 sqft
Deck Area	48 sqft
Patio Area	48 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	109 HOWARD DR
City	WHITE PINE
State	TN
Zip	37890-1700
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	WHISPERING PINES PB: J PG: 315 LOT: 16 102.18 X 176.44
Legal Subdivision	WHISPERING PINES
Legal Lot Number	16
Jurisdiction	JEFFERSON TN
Township / Civil Division	3
Census Block Group	2
Census Block	2039
Census Tract	70102

Owner

109 Howard Dr is owned and occupied by two individuals who bought it in December 2021.

Source: Jefferson County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	109 HOWARD DR, WHITE PINE, TN 37890-1700
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
Dec 28, 2021	Warranty Deed, Transfer · USDA Mortgage HOMETOWN LENDERS INC
Jul 3, 2019	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
Mar 25, 2019	Trustee's Deed, Construction Loan · Construction Mortgage COMMERCIAL BK
Jan 4, 2017	Warranty Deed, Transfer JEFFERSON TITLE COMPANY, JEFFERSON TITLE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2021 · Amount on File
Deed Sale	Dec 28, 2021 · Amount on File
Prior Sale	Jul 3, 2019 · Amount on File
Deed Document Number	202112302
Deed Book / Page	1659 / 671
Prior Transfer Date	Feb 8, 2012
Prior Transfer Doc	0000000993
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON TN
Recording Date	Dec 28, 2021
Property Address	109 HOWARD DR, WHITE PINE, TN 37890-1700
Document Number	0001659671
Book / Page	1659 / 671
Map Reference	CAB J SL 315-318
Instrument Date	Dec 27, 2021
Instrument	21012302
Transaction Type	Transfer
Record Updated	Jan 16, 2026
Title Company	COLONIAL TITLE GROUP INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$777.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 HOWARD DR, WHITE PINE, TN 37890-1700

Mortgage

Document Number	0021012303
Date	Dec 28, 2021
Instrument	21012303

Lender

Name	HOMETOWN LENDERS INC
Type	Mortgage Company

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON TN
Recording Date	Jul 3, 2019
Property Address	109 HOWARD DR, WHITE PINE, TN 37890-1700
Document Number	1480442
Book / Page	001480 / 000442
Instrument Date	Jun 27, 2019
Instrument	4616
Transaction Type	Transfer
Record Updated	Jul 19, 2019
Title Company	LAKEWAY TITLE SERVICES, LAKEWAY TITLE SVCS

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$560.55
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 HOWARD DR WHITE PINE TN 37890, WHITE PINE, TN 37890

Mortgage

Document Number	1480445
Date	Jul 3, 2019
Book Page	001480/000445
Instrument	4617

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	Jul 2, 2049

March 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	JEFFERSON TN
Recording Date	Mar 25, 2019
Property Address	109 HOWARD DR, WHITE PINE, TN 37890-1700
Book / Page	001464 / 000009
Instrument Date	Mar 21, 2019
Instrument	1891
Transaction Type	Construction Loan
Record Updated	Apr 1, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Partnership
Address	2830 LAKE FOREST CIR TALBOTT TN 378773018, TALBOTT, TN 37877-3018

Mortgage

Document Number	14649
Date	Mar 25, 2019
Book Page	001464/000009
Instrument	1891

Lender

Name	COMMERCIAL BK
Type	Bank
Address	HARROGATE, TN 37752

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	60 Months
Due	Mar 24, 2024

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON TN
Recording Date	Jan 4, 2017
Property Address	109 HOWARD DR, WHITE PINE, TN 37890-1700
Document Number	1348452
Book / Page	001348 / 000452
Instrument Date	Oct 21, 2016
Instrument	86
Transaction Type	Transfer
Record Updated	Jan 16, 2017
Title Company	JEFFERSON TITLE COMPANY, JEFFERSON TITLE CO

Transaction

Amount	Amount on Record
Tax	$1,110.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Partnership
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Jefferson County assessment roll, as of December 26, 2025

Property Jurisdictions

Type	Name
State	Tennessee
County	Jefferson County
Municipality	White Pine Town
Unified School District	Jefferson County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$64,350 (-) Land $6,500 Building $57,850	$257,400 (-) Land $26,000 Building $231,400
2024	$906.00	$64,350 Land $6,500 Building $57,850	$257,400 Land $26,000 Building $231,400
2022	$1,158.00	$35,450 Land $3,500 Building $31,950	$141,800 Land $14,000 Building $127,800

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 Howard Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 11, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 109 Howard Dr is low, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · above 53% of Tennessee
Wildfire Likelihood	0.08% 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	WHITE PINE WATER SYSTEM serves 4,171 people · EPA ID TN0000746
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2023
Lead	5 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 170 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Trilight Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

109 Howard Dr, White Pine, TN 37890 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

December 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

July 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2019: Trustee's Deed, Construction Loan

Transaction

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2017: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Howard Dr

Nearby Streets

Search Property Records by Address or Parcel Number