109 Smith Rd, Moss, TN 38575 Property Records

Clay County property record for 109 Smith Rd, Moss, TN 38575

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,344 sqft · built 2019
Lot Size	7.63 acres (332,363 sqft)
Owner	Individual Name on File
Tax Bill	$1,463 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`014021 00508`

Property Details

APN / Parcel Number

Primary APN	`014021 00508`
Alternative APN	`021 00508`

Interior

Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,344 sqft Living Area

Exterior

Year Built	Built 2019
Exterior Material	Siding
Lot Area	332,363 sqft (7.63 acres)
Terrain	Rolling
Garage Type	Finished
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	736 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	109 SMITH RD
City	MOSS
State	TN
Zip	38575-6324
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DIST:01 MAP REF:021
Jurisdiction	CLAY TN
Township / Civil Division	1
Census Block Group	1
Census Block	1006
Census Tract	955100

Owner

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

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	109 SMITH RD, MOSS, TN 38575-6324
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Jul 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Jun 15, 2018	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Jun 15, 2018
Transfer Doc	0WD109/654
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY TN
Property Address	109 SMITH RD, MOSS, TN 38575-6324
Transaction Type	Mortgage
Record Updated	Apr 28, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	TD163/115
Date	Apr 16, 2021
Book Page	TD163/115
Instrument	21000534

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

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

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY TN
Property Address	109 SMITH RD, MOSS, TN 38575-6324
Transaction Type	Mortgage
Record Updated	Feb 23, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	TD153/232
Date	Jul 19, 2019
Book Page	TD153/232
Instrument	19000828

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

June 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY TN
Recording Date	Jun 15, 2018
Property Address	109 SMITH RD, MOSS, TN 38575-6324
Document Number	0WD109/654
Book / Page	WD109 / 654
Map Reference	MB109 PG68
Instrument Date	Jun 14, 2018
Instrument	18000609
Transaction Type	Transfer
Record Updated	Jan 31, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 SMITH RD, MOSS, TN 38575-6324

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,463.00	$56,275 (-) Land $6,375 Building $49,900
2023		$56,275 (-) Land $6,375 Building $49,900
2022	$1,463.00	$56,275 Land $6,375 Building $49,900	$225,100 Land $25,500 Building $199,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 29, 2010

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

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 at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NORTHWEST CLAY COUNTY UTILITY serves 4,437 people · EPA ID TN0000573
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Haloacetic acids resolved · Oct 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	8 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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Twin Lakes Telephone Cooperative Fiber	8,000 / 8,000

Cell Coverage

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

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