Polk County property record for 118 Bob White Rd, Ocoee, TN 37361
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 3,212 sqft · built 2020 |
| Lot Size | 1.03 acres (44,867 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $425,000 (Oct 2020) |
| Tax Bill | $2,653 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Oct 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 087G-A-003.00 |
| Primary APN | 087G-A-003.00 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,212 sqft Living Area |
| Gross Area | 3,838 sqft |
| 1st Floor Area | 2,586 sqft |
| Upper Floors Area | 626 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Siding |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 44,867 sqft (1.03 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 626 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1,352 sqft |
| Porch | Finished/Open Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 118 BOB WHITE RD |
|---|---|
| City | OCOEE |
| State | TN |
| Zip | 37361-1403 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OCOEE RIDGE PB: 12 PG: 74 LOT: 3 |
| Legal Subdivision | OCOEE RIDGE |
| Legal Lot Number | 3 |
| Jurisdiction | POLK TN |
| Township / Civil Division | 2 |
| Census Block Group | 1 |
| Census Block | 1050 |
| Census Tract | 950300 |
Source: Polk County records · APN 087G-A-003.00
Assessment roll updated December 3, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 118 BOB WHITE RD, OCOEE, TN 37361-1403 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS NATIONAL BANK |
| Oct 19, 2020 | Deed of Trust, Mortgage FIRST CITIZENS NAT'L BK |
| Mar 15, 2019 | Warranty Deed, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 21, 2020 · Amount on Record |
| Deed Sale | Oct 21, 2020 · Amount on Record |
| Prior Sale | Mar 15, 2019 · Amount on Record |
| Deed Document Number | 20202532 |
| Deed Book / Page | 326 / 31 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK TN |
| Property Address | 118 BOB WHITE RD, OCOEE, TN 37361-1403 |
| Transaction Type | Mortgage |
| Record Updated | Mar 16, 2021 |
| Title Company | THE TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000002533 |
|---|---|
| Date | Oct 21, 2020 |
| Book Page | TD532/208 |
| Instrument | 20002533 |
| Name | FIRST CITIZENS NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | DYERSBURG, TN 38024 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK TN |
| Property Address | 118 BOB WHITE RD, OCOEE, TN 37361-1403 |
| Document Number | 0000002533 |
| Instrument Date | Oct 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2020 |
| Title Company | CLEVELAND ABSTRACT AND TITLE COMPANY, CLEVELAND ABS & TITLE CO |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 118 BOB WHITE RD OCOEE TN 37361, OCOEE, TN 37361 |
| Document Number | 0000002533 |
|---|---|
| Date | Oct 21, 2020 |
| Book Page | 000532/000208 |
| Instrument | 2533 |
| Name | FIRST CITIZENS NAT'L BK |
|---|---|
| Type | Bank |
| Address | DYERSBURG, TN 38024 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 20, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK TN |
| Recording Date | Mar 15, 2019 |
| Property Address | 118 BOB WHITE RD, OCOEE, TN 37361-1403 |
| Document Number | 0000000550 |
| Book / Page | 000314 / 000277 |
| Instrument Date | Mar 15, 2019 |
| Instrument | 550 |
| Transaction Type | Transfer |
| Record Updated | Mar 22, 2019 |
| Amount | Amount Recorded |
|---|---|
| Tax | $18.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | BOB WHITE DR OCOEE TN 37361, OCOEE, TN 37361 |
Source: Polk County records · Assessment roll updated December 3, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,653.00 | $157,050 (-) Land $8,675 Building $148,375 | $628,200 (-) Land $34,700 Building $593,500 |
| 2024 | $2,653.00 | $157,050 (-) Land $8,675 Building $148,375 | |
| 2023 | $2,653.00 (+13.57%) | $157,050 (+68.92%) Land $8,675 Building $148,375 | $628,200 (+68.92%) Land $34,700 Building $593,500 |
| 2022 | $2,336.00 | $92,975 Land $7,150 Building $85,825 | $371,900 Land $28,600 Building $343,300 |
Source: FEMA National Flood Hazard Layer, Polk County (47139C), updated May 18, 2009 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 471399503001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 21 (1994–2020) |
| Claims Outside the SFHA | 3 of 21 |
| Most Recent Claim | Apr 2020 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding |
| Claims by Event |
|
| Wildfire Risk | Moderate above 51% of the US · above 69% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 12 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 1,000 / 1,000 |
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | OCOEE UTILITY DISTRICT serves 21,082 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | May 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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