1099 Thomas Rd, Benton, TN 37307 Property Records

Polk County property record for 1099 Thomas Rd, Benton, TN 37307

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 2,936 sqft · built 1999
Lot Size	1.1 acres (47,916 sqft)
Owner	Individual Name on Record
Last Sale	$275,000 (Apr 2026)
Tax Bill	$1,029 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`035-070.45`

Property Details

APN / Parcel Number

Primary APN	`035-070.45`
Alternative APNs	`0103503507045` `070035 07045`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	2 Stories
Building Area	2,936 sqft Living Area
1st Floor Area	1,636 sqft
Upper Floors Area	1,300 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2004
Architectural Style	Custom Design
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	47,916 sqft (1.1 acres)
Terrain	Rolling

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	96 sqft
Deck Area	160 sqft
Patio Area	480 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1099 THOMAS RD
City	BENTON
State	TN
Zip	37307-5200
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROBERT BANKS PROP PB: 8 PG: 136 LOT: 45
Legal Subdivision	ROBERT BANKS PROP
Legal Lot Number	45
Jurisdiction	POLK TN
Township / Civil Division	1
Census Block Group	2
Census Block	2025
Census Tract	950203

Owner

Source: Polk County records, as of April 17, 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
Mailing Address	1099 THOMAS RD, BENTON, TN 37307-5200
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2026	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE INVESTORS GROUP
Apr 10, 2026	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE INVESTORS GROUP
Mar 7, 2023	Warranty Deed, Transfer · Conventional Mortgage BOWATER EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 10, 2026 · Amount on Record
Deed Sale	Apr 10, 2026 · Amount on Record
Prior Sale	Mar 7, 2023 · Amount on Record
Deed Document Number	20261046
Deed Book / Page	5 / 1937
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK TN
Recording Date	Apr 10, 2026
Property Address	1099 THOMAS RD, BENTON, TN 37307-5200
Document Number	00005/1937
Book / Page	5 / 1937
Instrument Date	Apr 7, 2026
Instrument	20261046
Transaction Type	Transfer
Record Updated	Aug 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$102,767.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1099 THOMAS RD, BENTON, TN 37307-5200

Mortgage

Document Number	0000001047,
Date	Apr 10, 2026
Instrument	20261047

Lender

Name	MORTGAGE INVESTORS GROUP

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK TN
Recording Date	Apr 10, 2026
Property Address	1099 THOMAS RD, BENTON, TN 37307-5200
Document Number	0000001046
Book / Page	5 / 1937
Instrument Date	Apr 7, 2026
Instrument	20261046
Transaction Type	Transfer
Record Updated	Apr 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$102,767.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1099 THOMAS RD, BENTON, TN 37307-5200

Mortgage

Document Number	0000001047,
Date	Apr 10, 2026
Instrument	20261047

Lender

Name	MORTGAGE INVESTORS GROUP

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK TN
Recording Date	Mar 7, 2023
Property Address	1099 THOMAS RD, BENTON, TN 37307-5200
Document Number	0WD346/437
Book / Page	WD346 / 437
Map Reference	MB 8 PG 136
Instrument Date	Mar 2, 2023
Instrument	23000561
Transaction Type	Transfer
Record Updated	Mar 22, 2023
Title Company	REALTY TITLE SERVICES/NE, REALTY T&E SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,017.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1099 THOMAS RD, BENTON, TN 37307-5200
Investor	Possibly a Property Investor

Mortgage

Document Number	0023000562
Date	Mar 7, 2023
Instrument	23000562

Lender

Name	BOWATER EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Tax Assessment & Valuation

Source: Polk County assessment roll, as of December 3, 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	$1,029.00	$60,900 (-) Land $3,025 Building $57,875	$243,600 (-) Land $12,100 Building $231,500
2024	$1,029.00	$60,900 (-) Land $3,025 Building $57,875
2023	$1,029.00 (+12.34%)	$60,900 (+66.96%) Land $3,025 Building $57,875	$243,600 (+66.96%) Land $12,100 Building $231,500
2022	$916.00	$36,475 Land $3,025 Building $33,450	$145,900 Land $12,100 Building $133,800

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

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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)

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