12 Jacks Rd, Elora, TN 37328 Property Records

Lincoln County property record for 12 Jacks Rd, Elora, TN 37328

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,316 sqft · built 1950
Lot Size	1.12 acres (49,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$100,000 (Nov 2020)
Tax Bill	$446 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage Oct 2020 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`052155J B 01500`

Property Details

APN / Parcel Number

Primary APN	`052155J B 01500`
Alternative APN	`155J B 01500`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,316 sqft Living Area
1st Floor Area	1,316 sqft
Interior Walls	Paneling

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1985
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	49,000 sqft
Lot Dimensions	490 ft deep x 100 ft wide
Terrain	Rolling
Garage Type	Mixed
Garage Area	240 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	200 sqft

Utilities, Heating & Cooling

Cooling System	None
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	12 JACKS RD
City	ELORA
State	TN
Zip	37328-4117
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 24, COUNTY AREA: E01
Jurisdiction	LINCOLN TN
Township / Civil Division	7
Census Block Group	3
Census Block	3016
Census Tract	975500

Owner

Source: Lincoln County records, as of January 26, 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 Record
Mailing Address	12 JACKS RD, ELORA, TN 37328-4117
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2020	Warranty Deed, Transfer STEPHANIE SMOTHERMAN
Oct 13, 2020	Warranty Deed, Transfer · Construction Mortgage JUSTIN CUTLER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 10, 2020 · Amount on Record
Deed Sale	Nov 10, 2020 · Amount on Record
Prior Sale	Oct 13, 2020 · Amount on Record
Deed Document Number	20005507
Deed Book / Page	J16 / 225
Record Updated	Jun 8, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN TN
Recording Date	Nov 10, 2020
Property Address	12 JACKS RD, ELORA, TN 37328-4117
Document Number	0000005507
Book / Page	000016 / 000225
Instrument Date	Nov 6, 2020
Instrument	5507
Transaction Type	Transfer
Record Updated	Nov 18, 2020
Title Company	REGAL TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$370.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12 JACKS RD ELORA TN 373284117, ELORA, TN 37328-4117

Mortgage

Document Number	5508
Date	Nov 10, 2020
Book Page	000809/000044
Instrument	5508

Lender

Name	STEPHANIE SMOTHERMAN
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 9, 2050

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN TN
Recording Date	Oct 13, 2020
Property Address	12 JACKS RD, ELORA, TN 37328-4117
Document Number	0000004947
Book / Page	000016 / 000753
Instrument Date	Oct 9, 2020
Instrument	4947
Transaction Type	Transfer
Record Updated	Oct 27, 2020
Title Company	TORO TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$178.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 331676 MURFREESBORO TN 371331676, MURFREESBORO, TN 37133-1676
Investor	Possibly a Property Investor

Mortgage

Document Number	4949
Date	Oct 13, 2020
Book Page	000807/000424
Instrument	4949

Lender

Name	JUSTIN CUTLER

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Oct 12, 2021

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$446.00	$23,450 Land $5,975 Building $17,475
2024			$93,800 Land $23,900 Building $69,900

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 November 17, 2016 · 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 Policies	1 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	Low lower than 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood	0.01% 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	LINCOLN CO B.P.U. #1 serves 23,846 people · EPA ID TN0000764
Water Source	Purchased surface water from FAYETTEVILLE PUBLIC UTILITIES
Last State Inspection	Apr 2025
Lead	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	65 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 62 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Fayetteville Public Utilities Fiber	1,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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