1179 Old Charlotte Rd, White Bluff, TN 37187 Property Records

Dickson County property record for 1179 Old Charlotte Rd, White Bluff, TN 37187

Property Summary

Property Type	Single Family Home
Details	1 ba · 932 sqft · built 1996
Lot Size	0.189 acres (8,276 sqft)
Owner	Individual Name on File
Last Sale	$136,000 (Oct 2017)
Deeds & Mortgages	Jan 2024 Mortgage Jul 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`022081 06101`

Property Details

APN / Parcel Number

Primary APN	`022081 06101`
Alternative APN	`081 06101`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	932 sqft Living Area
1st Floor Area	932 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2003
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.189 acres)
Garage Type	Finished
Garage Area	121 sqft
Driveway	Driveway
Driveway Area	1 sqft
Utility Building	1 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1179 OLD CHARLOTTE RD
City	WHITE BLUFF
State	TN
Zip	37187-9010
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 12, COUNTY AREA: H02
Jurisdiction	DICKSON TN
Township / Civil Division	5
Census Block Group	1
Census Block	1041
Census Tract	60300

Owner

1179 Old Charlotte Rd is owned and occupied by an individual who bought it in October 2017.

Source: Dickson County records, as of January 19, 2026

Owner of Record	Individual Name on File
Mailing Address	1179 OLD CHARLOTTE RD, WHITE BLUFF, TN 37187-9010
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
Jan 18, 2024	Deed of Trust, Mortgage · FHA Mortgage ISERVE RESIDENTIAL LENDING LLC
Jul 26, 2022	Deed of Trust, Mortgage · Line of Credit DISCOVER BANK
Jan 31, 2022	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Oct 3, 2017	Warranty Deed, Transfer · FHA Mortgage PEOPLES HM EQUITY
Mar 17, 2017	Warranty Deed, Transfer TRINITY TITLE COMPANY, REALTY TITLE & ESCROW CO INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 3, 2017 · Amount on File
Deed Sale	Oct 3, 2017 · Amount on File
Prior Sale	Mar 17, 2017 · Amount on File
Deed Document Number	281054
Deed Book / Page	V1309 / 492
Record Updated	Jun 8, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DICKSON TN
Property Address	1179 OLD CHARLOTTE RD, WHITE BLUFF, TN 37187-9010
Transaction Type	Mortgage
Record Updated	Jan 30, 2024
Title Company	NOT AVAILABLE, SOLUTIONS TITLE PLLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0V15671786
Date	Jan 18, 2024
Book Page	V1567/1786
Instrument	360807

Lender

Name	ISERVE RESIDENTIAL LENDING LLC
Type	Mortgage Company
Address	SAN DIEGO, CA 92127

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DICKSON TN
Property Address	1179 OLD CHARLOTTE RD, WHITE BLUFF, TN 37187-9010
Transaction Type	Mortgage
Record Updated	Aug 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0V15432932
Date	Jul 26, 2022
Book Page	V1543/2932
Instrument	344833

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 26, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DICKSON TN
Property Address	1179 OLD CHARLOTTE RD, WHITE BLUFF, TN 37187-9010
Transaction Type	Mortgage
Record Updated	Feb 10, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00V1533961
Date	Jan 31, 2022
Book Page	V1533/961
Instrument	337851

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	354 Months
Due	Jul 1, 2051

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DICKSON TN
Recording Date	Oct 3, 2017
Property Address	1179 OLD CHARLOTTE RD, WHITE BLUFF, TN 37187-9010
Document Number	V1309492
Book / Page	001309 / 000492
Instrument Date	Sep 28, 2017
Instrument	281054
Transaction Type	Transfer
Record Updated	Oct 6, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$503.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1179 OLD CHARLOTTE RD WHITE BLUFF TN 371879010, WHITE BLUFF, TN 37187-9010

Mortgage

Document Number	V1309496
Date	Oct 3, 2017
Book Page	001309/000496
Instrument	281055

Lender

Name	PEOPLES HM EQUITY
Type	Funding / Finance Company
Address	BRENTWOOD, TN 37027

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 2, 2047

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DICKSON TN
Recording Date	Mar 17, 2017
Property Address	1179 OLD CHARLOTTE RD, WHITE BLUFF, TN 37187-9010
Document Number	V1285815
Book / Page	001285 / 000815
Instrument Date	Mar 17, 2017
Instrument	274935
Transaction Type	Transfer
Record Updated	Mar 23, 2017
Title Company	TRINITY TITLE COMPANY, REALTY TITLE & ESCROW CO INC

Transaction

Amount	Amount on Record
Tax	$444.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1179 OLD CHARLOTTE RD WHITE BLUFF TN 371879010, WHITE BLUFF, TN 37187-9010

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2025	$36,900 Land $2,850 Building $34,050
2024		$147,600 Land $11,400 Building $136,200

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 1179 Old Charlotte Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1998.

Source: FEMA National Flood Hazard Layer, effective January 14, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	3 (1998–2010)
Claims Outside the SFHA	3 of 3
Most Recent Claim	May 2010 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes

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 1179 Old Charlotte Rd 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	WATER AUTH OF DICKSON COUNTY serves 68,675 people · EPA ID TN0000191
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	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	None 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 80 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ignite Broadband Fiber	2,500 / 2,500
Xfinity Cable	2,000 / 250
AT&T DSL	100 / 20

May also be available: Verizon.

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